JAMES STEVENSON (FLAGS) LIMITED
- · Oldest live charge 32.9y old — refinance window within 12 months
- 18129SIC 18129
Opportunity 80/100 (exceptional), bankability 80/100. Strong seller-intent signal (68/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 32.9y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 32.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-11-30 | 2024-11-30 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
Corporate timeline (36 events)Click to expand
- 2025-12-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-04-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-25➕WRIGHT, Caroline appointeddirector
- 2025-03-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-05-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-05-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-05-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-05-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-01-13➖KERR, Amanda Jane resigneddirector
- 2022-12-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-01-11📄change-person-director-company-with-change-dateofficers · CH01
- 2021-12-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-11📄change-person-director-company-with-change-dateofficers · CH01
- 2020-12-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2012-07-06➖GEDDES, Alexander Allan resigneddirector
- 2012-07-05➕GEDDES, Allan John Duncan appointeddirector
- 2012-07-05➕KERR, Amanda Jane appointeddirector
- 2011-02-11➖KERR, Amanda Jane resignedsecretary
- 2011-02-11➖GEDDES, Allan John Duncan resigneddirector
- 2011-02-11➖KERR, Amanda Jane resigneddirector
- 2011-02-10➕GEDDES, Alexander Allan appointeddirector
- 2003-03-31➖GEDDES, Alexander Allan resigneddirector
- 2003-03-31➖GEDDES, Jean Mitchell resigneddirector
- 2002-07-08➖GEDDES, Jean Mitchell resignedsecretary
- 2002-07-08➕KERR, Amanda Jane appointedsecretary
- 2002-07-08➕KERR, Amanda Jane appointeddirector
- 1993-07-15🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 1991-12-31➕GEDDES, Jean Mitchell appointedsecretary
- 1991-12-31➕GEDDES, Alexander Allan appointeddirector
- 1991-12-31➕GEDDES, Jean Mitchell appointeddirector
- 1990-03-01➕GEDDES, Allan John Duncan appointeddirector
- 1970-05-06🏢Company incorporatedAs JAMES STEVENSON (FLAGS) LIMITED
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 14 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Allan John Duncan Geddes Individual · British · DOB 10/1967 · age 59 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 24/05/2023 |
2 historic (ceased) PSCs
- Mr Alexander Allan Geddesceased 24/05/2023· 50-75% shares
- Mrs Jean Mitchell Geddesceased 24/05/2023· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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7 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 →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
Registered office
Filing status
Officers (2 active · 8 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 15/07/1993 | — |