JMG EMPLOYEE BENEFITS LIMITED
🌳Matureactive
09828000 · ltd · incorporated 2015-10-16
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 4.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
2 live charges · oldest 4.2y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.2 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (60/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
9 officers (2 active, 9 linked, 7 with DOB)
86
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
67 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
6
filings
- • 2 accounts
- • 2 other
- • 2 mortgage
Counts from Companies House filing history.
Corporate timeline (41 events)Click to expand
- 2026-01-06📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2026-01-06📄legacyaccounts · PARENT_ACC
- 2026-01-06📄legacyother · GUARANTEE2
- 2026-01-06📄legacyother · AGREEMENT2
- 2025-12-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-01🔓Charge satisfied #1
- 2025-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-21🔒Charge registered #2Lender: Ares Management Limited
- 2024-12-20📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-12-20📄legacyaccounts · PARENT_ACC
- 2024-12-20📄legacyother · GUARANTEE2
- 2024-12-20📄legacyother · AGREEMENT2
- 2024-08-13➖STALLWORTHY, Nigel resigneddirector
- 2024-08-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-11📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2023-12-11📄legacyaccounts · PARENT_ACC
- 2023-12-11📄legacyother · AGREEMENT2
- 2023-12-11📄legacyother · GUARANTEE2
- 2023-01-25📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2023-01-25📄legacyaccounts · PARENT_ACC
- 2023-01-25📄legacyother · GUARANTEE2
- 2023-01-25📄legacyother · AGREEMENT2
- 2023-01-04📄legacyaccounts · PARENT_ACC
- 2023-01-04📄legacyother · GUARANTEE2
- 2022-08-02➖WRIGHT, Kathren resignedsecretary
- 2022-05-26➖HOUGHTON, Nicholas John resigneddirector
- 2022-05-26➖WRIGHT, Kathren resigneddirector
- 2022-02-04🔒Charge registered #1Lender: Ares Management Limited
- 2021-10-15➕SMITH, Marc appointeddirector
- 2021-10-15➕STALLWORTHY, Nigel appointeddirector
- 2020-11-20➖GLENDINNING, Paul Richard resigneddirector
- 2017-04-01➕WRIGHT, Kathren appointedsecretary
- 2017-04-01➕WRIGHT, Kathren appointeddirector
- 2017-03-31➖HUTCHINSON, Timothy John resignedsecretary
- 2017-03-31➖HUTCHINSON, Timothy John resigneddirector
- 2016-04-01➕FOX, Charles Jake Christian appointeddirector
- 2015-10-16🏢Company incorporatedAs JMG EMPLOYEE BENEFITS LIMITED
- 2015-10-16➕HUTCHINSON, Timothy John appointedsecretary
- 2015-10-16➕GLENDINNING, Paul Richard appointeddirector
- 2015-10-16➕HOUGHTON, Nicholas John appointeddirector
- 2015-10-16➕HUTCHINSON, Timothy John appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
41/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
J M Glendinning Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
J M Glendinning Group Limited
Corporate parent · holds 75-100% shares · board control
⬇
JMG EMPLOYEE BENEFITS LIMITED
This company · 09828000
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
J M Glendinning Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
1 historic (ceased) PSC
- Mr Charles Jake Christian Foxceased 20/11/2020· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Financial services · LS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2410 TRADING LIMITED→ 16903740 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 260 DEGREES WEST→ 13495989 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| A1 CAPITAL LIMITED→ 06038834 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| ABOVE & BEYOND MORTGAGES (YORKSHIRE) LIMITED→ 12891319 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ADEL WILLS LTD→ 10147070 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ADM FINANCIAL SERVICES LTD→ 14030719 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ADVANTAGE MORTGAGE SERVICES (YORKSHIRE) LIMITED→ 05238006 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| ADVICE CHAMPION SERVICES LIMITED→ 11994269 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ADVICE MATTERS FINANCIAL PLANNING LTD→ 10658430 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| AFJM INVESTMENTS LIMITED→ 15079360 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AGE ASSIST LIMITED→ 08340133 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| AGE PARTNERSHIP LIMITED→ 05265969 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →🔒Advanced scoring suite
Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Statusactive
Typeltd
Incorporated2015-10-16
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
Elmwood House Ghyll Royd
Guiseley
Leeds
West Yorkshire
LS20 9LT
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-25
Last: 2025-10-11
Officers (2 active · 7 resigned)
FOX, Charles Jake Christian→
Activedirector · ~49y · appointed 2016-04-01
View their other companies + combined net worth →
Active
HUTCHINSON, Timothy John→
Resignedsecretary · appointed 2015-10-16 · resigned 2017-03-31
WRIGHT, Kathren→
Resignedsecretary · appointed 2017-04-01 · resigned 2022-08-02
GLENDINNING, Paul Richard→
Resigneddirector · ~56y · appointed 2015-10-16 · resigned 2020-11-20
HOUGHTON, Nicholas John→
Resigneddirector · ~54y · appointed 2015-10-16 · resigned 2022-05-26
HUTCHINSON, Timothy John→
Resigneddirector · ~65y · appointed 2015-10-16 · resigned 2017-03-31
STALLWORTHY, Nigel→
Resigneddirector · ~67y · appointed 2021-10-15 · resigned 2024-08-13
WRIGHT, Kathren→
Resigneddirector · ~54y · appointed 2017-04-01 · resigned 2022-05-26
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Ares Management Ares Management Limited | A registered charge | — | 21/11/2025 | — | |
| satisfied | Ares Management Ares Management Limited | A registered charge | — | 04/02/2022 | 01/12/2025 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (67 total)
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2026-01-06
legacy
accounts · PARENT_ACC
2026-01-06
legacy
other · GUARANTEE2
2026-01-06
legacy
other · AGREEMENT2
2026-01-06
mortgage-satisfy-charge-full
mortgage · MR04
2025-12-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-15
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-12-20
legacy
accounts · PARENT_ACC
2024-12-20
legacy
other · GUARANTEE2
2024-12-20
legacy
other · AGREEMENT2
2024-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-24
termination-director-company-with-name-termination-date
officers · TM01
2024-08-13
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2023-12-11
legacy
accounts · PARENT_ACC
2023-12-11