HARRY SMITH, LIMITED

🌳Matureactive

SC008622 · ltd · incorporated 1913-04-15

Investment thesis

Property vehicle with a workable charge structure — clean refinance potential.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Dependent on title and valuation due diligence; standard property risks.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 51.5y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to May 2025

Net worth

£1.66M

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Sector: Financial & insurance

ALSO REGISTERED FOR

68209Other letting and operating of own or leased real estate

Investor take

Pursue

Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 51.5y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 51.5 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 2 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

10 officers (6 active, 10 linked, 6 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

10 connected companies via shared directors

Filing history

120 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Positive net assets

Net assets £1,658,365

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£1.7m

↑ 3.9% YoY

Current Assets

£1.1m

↑ 7.3% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-05-31	2024-05-31
Total assets	£1.66M	£1.60M
Current assets	£1.12M	£1.05M
Net assets	£1.66M	£1.60M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (29 events)Click to expand

2025-11-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-24
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-20
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-11
📄
change-person-director-company-with-change-date
officers · CH01
2023-12-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-12-11
📄
change-person-director-company-with-change-date
officers · CH01
2023-12-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-12-08
📄
change-person-secretary-company-with-change-date
officers · CH03
2023-12-08
📄
change-person-secretary-company-with-change-date
officers · CH03
2023-12-01
➕
LEVITUS, Joanne appointed
director
2023-12-01
➕
LEVITUS, Susan appointed
director
2023-10-18
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-03-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-02-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-02-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-02-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-02-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2015-02-08
➕
LEVITUS, Susan appointed
secretary
2014-12-15
➕
LEVITUS, Harry Peter, Mr. appointed
secretary
1998-04-08
➕
LEVITUS, Sylvia Deborah appointed
secretary
1998-04-08
➕
LEVITUS, David Clive, Mr. appointed
director
1998-04-08
➖
LEVITUS, Raymond Saul resigned
secretary
1998-04-08
➖
LEVITUS, Maurice resigned
director
1998-04-08
➖
LEVITUS, Raymond Saul resigned
director
1998-04-08
➖
LEVITUS, Sylvia Deborah resigned
director
1986-02-11
🔓
Charge satisfied #1
1974-10-25
🔒
Charge registered #1
Lender: The Royal Bank of Scotland Limited
1913-04-15
🏢
Company incorporated
As HARRY SMITH, LIMITED

Owner dependency

76/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

+Long-tenure founder: Senior director has been in place 28 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 58 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

60/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
primary20+ year tenure: Director in role 28 years. Very long tenure is a classic succession signal.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr David Clive Levitus Individual · British · DOB 08/1968 · age 58	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	06/04/2016

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 · G postcode area

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LINKUP MORTGAGE LTD→ SC867187 · est 2025 · no financials extracted	—	—	—	—	—	—	—
LURABUS→ SC680836 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
MARWAHA INVESTMENTS LTD→ SC691673 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
MAVEN CAPITAL CARDIFF TRUSTEE LIMITED→ SC502023 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
MAVEN CAPITAL GCM LIMITED→ SC446214 · est 2013 · no financials extracted	—	—	—	—	13y	—	—
MAVEN IFS EQUITY GP LIMITED→ SC777479 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
MAVEN MEIF II ESEM DEBT GP LTD→ SC792907 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
MAVEN NOMINEE LIMITED→ SC374366 · est 2010 · no financials extracted	—	—	—	—	16y	—	—
MAVEN NPIF II NE EQUITY GP LIMITED→ SC793279 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
MAVEN PROPERTY CARRIED INTEREST LIMITED→ SC787806 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
MAVEN PROPERTY INVESTMENTS LIMITED→ SC299736 · est 2006 · no financials extracted	—	—	—	—	20y	—	—
MAVEN SLF FP LIMITED→ SC391763 · est 2011 · no financials extracted	—	—	—	—	15y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated1913-04-15

Jurisdictionscotland

Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

65 C/O Cherrytree Group

65 Bath Street, First Floor Right

Glasgow

G2 2BX

Scotland

Filing status

Accounts

Next due: 2027-02-28

Last made up to: 2025-05-31

Confirmation statement

Next due: 2027-01-14

Last: 2025-12-31