HARRIS FINANCE CO. LTD.

🌳Matureactive

SC131349 · ltd · incorporated 1991-04-18

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.

Why now

Window steady · low confidence

Steady and tidy — no seller pressure yet. Approach only if an angle opens.

Opportunity decay

approaching window · 12-months

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

· Oldest live charge 32.8y old — refinance window within 12 months

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 Apr 2025

Net worth

—

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 76-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (73/100, director aged 76). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

3 live charges · oldest 32.8y

85/100

ready

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

· Oldest live charge is 32.8 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (83/100)

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

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

6 officers (4 active, 6 linked, 3 with DOB)

Ownership & PSC

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

Director network

21 connected companies via shared directors

Filing history

97 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

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.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-04-30	2024-04-30
Total assets	—	£2.32M
Current assets	—	£2.70M
Cash	—	£219.2k
Debtors	—	£2.26M
Net assets	—	£2.16M
Average employees	3	—

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

• 1 confirmation-statement
• 1 officers

Last 180 days

filings

• 1 confirmation-statement
• 1 officers
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (29 events)Click to expand

2026-04-23
📄
change-person-director-company-with-change-date
officers · CH01
2026-01-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-21
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-04-14
🔒
Charge registered #3
Lender: The Royal Bank of Scotland PLC
2020-01-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-04-18
📄
change-person-director-company-with-change-date
officers · CH01
2019-02-11
📄
mortgage-satisfy-charge-full
mortgage · MR04
2019-02-11
📄
mortgage-satisfy-charge-full
mortgage · MR04
2019-02-11
🔓
Charge satisfied #2
2019-02-11
🔓
Charge satisfied #1
2019-01-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-01-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-05-03
➕
HARRIS, Ross Aitken appointed
director
2017-05-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2004-11-18
🔒
Charge registered #2
Lender: The Royal Bank of Scotland PLC
1993-08-04
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
1991-04-18
🏢
Company incorporated
As HARRIS FINANCE CO. LTD.
1991-04-18
➕
HARRIS, Elizabeth Gibson appointed
secretary
1991-04-18
➕
HARRIS, Elizabeth Gibson appointed
director
1991-04-18
➕
HARRIS, Ian Colquhoun appointed
director
1991-04-18
➕
REID, Brian appointed
nominee-secretary
1991-04-18
➖
REID, Brian resigned
nominee-secretary
1991-04-18
➕
WAUGH, Joanne appointed
nominee-director
1991-04-18
➖
WAUGH, Joanne resigned
nominee-director

Owner dependency

98/100

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

+Founder name in company name: Company name contains director surname "HARRIS" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 35 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 76 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100

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 76 years old. Natural succession window is now.
primary20+ year tenure: Director in role 35 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 35 years old and no new directors in the last 3 years — succession not yet being planned internally.
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.)

Group structure

J J Harris & Son Taxi Repairs (Glw) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

J J Harris & Son Taxi Repairs (Glw) Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

HARRIS FINANCE CO. LTD.

This company · SC131349

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 J Harris & Son Taxi Repairs (Glw) Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% 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

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
@SIPP LIMITED→ SC217126 · est 2001	£37.09M £26.97M–£47.20M	£10.21M	—	6200	25y	85	62y
FORWARD ASSET FINANCE LIMITED→ SC337979 · est 2008	£1.02M £744.7k–£1.30M	—	—	500	18y	83	64y
COMMONWEALTH GAMES (SCOTLAND) ENDOWMENT FUND→ SC301214 · est 2006	£22.3k £16.2k–£28.3k	—	—	0	20y	83	66y
BLAIRSTON ENTERPRISES LIMITED→ SC368750 · est 2009	—	—	£2.38M	—	16y	83	72y
CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED→ SC200273 · est 1999 · no financials extracted	—	—	—	—	26y	83	59y
FEMALE INDEPENDENT LTD.→ SC245607 · est 2003	—	—	£20.0k	—	23y	83	66y
HARRY SMITH, LIMITED→ SC008622 · est 1913	—	—	£1.66M	—	113y	83	58y
KELVIN SMITH (INSURANCE BROKERS) LIMITED→ SC301532 · est 2006	—	—	£3.48M	—	20y	83	63y
MORTGAGE ADVICE BROKERAGE LTD→ SC336489 · est 2008	—	—	—	1500	18y	83	58y
NITRON INVESTMENTS LIMITED→ SC047915 · est 1970	—	—	£431.4k	—	55y	83	80y
PENTA CAPITAL INVESTMENTS LIMITED→ SC277543 · est 2004 · no financials extracted	—	—	—	—	21y	83	64y
PEOPLESCHAMPION.COM LIMITED→ SC270602 · est 2004 · no financials extracted	—	—	—	—	21y	83	63y

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.

See pricing →

Company details

Statusactive

Typeltd

Incorporated1991-04-18

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

6th Floor Gordon Chambers

90 Mitchell Street

Glasgow

G1 3NQ

Filing status

Accounts

Next due: 2027-01-31

Last made up to: 2025-04-30

Confirmation statement

Next due: 2027-05-02

Last: 2026-04-18

Officers (4 active · 2 resigned)

HARRIS, Elizabeth Gibson→

secretary · appointed 1991-04-18

View their other companies + combined net worth →

Active

HARRIS, Elizabeth Gibson→

director · ~73y · appointed 1991-04-18

View their other companies + combined net worth →

Active

HARRIS, Ian Colquhoun→

director · ~76y · appointed 1991-04-18

View their other companies + combined net worth →

Active

HARRIS, Ross Aitken→

director · ~48y · appointed 2017-05-03

View their other companies + combined net worth →

Active

REID, Brian→

nominee-secretary · appointed 1991-04-18 · resigned 1991-04-18

Resigned

WAUGH, Joanne→

nominee-director · appointed 1991-04-18 · resigned 1991-04-18

Resigned

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
outstanding	Lloyds Banking Group The Royal Bank of Scotland PLC	A registered charge	—	14/04/2021	—
satisfied	Lloyds Banking Group The Royal Bank of Scotland PLC	Bond & floating charge	1 property	18/11/2004	11/02/2019
satisfied	Lloyds Banking Group The Royal Bank of Scotland PLC	Bond & floating charge	1 property	04/08/1993	11/02/2019

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (97 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-04-23

change-person-director-company-with-change-date

officers · CH01

2026-04-23