J & M TAYLOR (HOLDINGS) LIMITED

🌳Matureactive

SC064489 · ltd · incorporated 1978-04-04

Investment thesis

Property vehicle with leveraged stack — refinance / partial-release angle.

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

Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.

Why now

Window steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£3.35M

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Other letting and operating of own or leased real estate

Sector: Real estate

Investor take

Pursue

Asset-holding vehicle with a 81-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (78/100, director aged 81). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -61% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · oldest 37.2y

45/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Oldest live charge is 37.2 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (79/100)

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

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

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

3 officers (3 active, 3 linked, 2 with DOB)

Ownership & PSC

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

Director network

1 connected companies via shared directors

Filing history

96 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

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 · accounting standard not declared

Positive net assets

Net assets £3,350,517

Cash draining

Cash down 61% YoY

Cash YoY

-61%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£125k

↓ 61% YoY

Net Worth

£3.4m

↑ 2.6% YoY

Current Assets

£197k

↓ 40% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Total assets	£3.55M	£3.47M
Current assets	£197.0k	£326.8k
Cash	£125.1k	£317.3k
Debtors	£70.9k	£8.4k
Net assets	£3.35M	£3.27M

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

Counts from Companies House filing history.

Corporate timeline (22 events)Click to expand

2025-12-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-13
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-17
📄
mortgage-satisfy-charge-full
mortgage · MR04
2021-03-17
🔓
Charge satisfied #3
2020-12-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-03
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-03
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-09-03
🔓
Charge satisfied #2
2020-09-03
🔓
Charge satisfied #1
2019-09-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-10-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-12-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-11-10
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-11-10
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-08-27
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
1992-04-23
🔒
Charge registered #3
Lender: The Royal Bank of Scotland PLC
1990-05-14
🔒
Charge registered #2
Lender: The Royal Bank of Scotland PLC
1989-04-04
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
1978-04-04
🏢
Company incorporated
As J & M TAYLOR (HOLDINGS) LIMITED

Owner dependency

96/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Founder name in company name: Company name contains director surname "TAYLOR" — strong identity link between founder and business.
+Founder age: Director aged approximately 81 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
secondaryStable-but-static management: Company is 48 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

1 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr Ian Taylor Individual · British · DOB 01/1945 · age 81	50–75%	50–75%	50-75% shares · 50-75% voting	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 →

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CITY LETS (GLASGOW) LIMITED→ SC160734 · est 1995	£622.8k £529.4k–£716.2k	—	£622.8k	—	30y	82	87y
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D M & S PROPERTIES LTD.→ SC295500 · est 2006	£570.4k £484.8k–£655.9k	—	£570.4k	—	20y	82	78y
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COLPROP LIMITED→ SC151689 · est 1994	£531.5k £451.8k–£611.2k	—	£531.5k	—	31y	82	84y
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Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

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 →

🔒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

Incorporated1978-04-04

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

9 Wallace Street

Paisley

PA3 2BU

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-11-20

Last: 2025-11-06

Officers (3 active · 0 resigned)

TAYLOR, Glenda Ann→

secretary

View their other companies + combined net worth →

Active

TAYLOR, Glenda Ann→

director · ~80y

View their other companies + combined net worth →

Active

TAYLOR, Ian→

director · ~81y

View their other companies + combined net worth →

Active

Click a director name to see their full track record across all companies.

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:3 of 3 shown

		Type	Properties
satisfied	Lloyds Banking Group The Royal Bank of Scotland PLC	Standard security	2 properties	23/04/1992	17/03/2021
satisfied	Lloyds Banking Group The Royal Bank of Scotland PLC	Standard security	1 property	14/05/1990	03/09/2020
satisfied	Lloyds Banking Group The Royal Bank of Scotland PLC	Bond & floating charge	1 property	04/04/1989	03/09/2020

Recent filings (96 total)

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-12-08

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-11-10

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-12-13

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-11-25

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-12-15

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-11-08

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-12-21

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-11-10

accounts-with-accounts-type-total-exemption-full

accounts · AA

2021-11-26

confirmation-statement-with-no-updates

confirmation-statement · CS01

2021-11-08

mortgage-satisfy-charge-full

mortgage · MR04

2021-03-17

accounts-with-accounts-type-total-exemption-full

accounts · AA

2020-12-18

confirmation-statement-with-no-updates

confirmation-statement · CS01

2020-11-06

mortgage-satisfy-charge-full

mortgage · MR04

2020-09-03

mortgage-satisfy-charge-full

mortgage · MR04

2020-09-03