EWM (FINANCIAL SERVICES) LIMITED

🌳Matureactive

SC139175 · ltd · incorporated 1992-07-03

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

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

72/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 72/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

7 live charges · 5 lenders · oldest 23.4y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 23.4 years old — likely at or near maturity.
· 5 lenders named — inter-creditor friction likely.
· Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (61/100)

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

Lenders & charges

7 charges (7/7 with lender, 7/7 with type)

Directors & officers

18 officers (3 active, 18 linked, 15 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

20 connected companies via shared directors

Filing history

147 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

72/100Strong

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

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 officers
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (64 events)Click to expand

2026-01-14
📄
change-person-director-company-with-change-date
officers · CH01
2025-11-07
📄
accounts-with-accounts-type-dormant
accounts · AA
2024-11-25
📄
accounts-with-accounts-type-dormant
accounts · AA
2024-08-01
📄
change-person-director-company-with-change-date
officers · CH01
2024-04-25
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-04-25
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-18
📄
accounts-with-accounts-type-dormant
accounts · AA
2024-03-13
📄
accounts-with-accounts-type-dormant
accounts · AA
2023-05-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-26
📄
accounts-with-accounts-type-dormant
accounts · AA
2020-10-01
📄
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2020-09-24
📄
legacy
capital · SH20
2020-09-24
⚠️
legacy
insolvency · CAP-SS
2020-09-24
📄
resolution
resolution · RESOLUTIONS
2019-11-20
📄
accounts-with-accounts-type-dormant
accounts · AA
2019-06-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-06-07
➖
EDMONDS, Robert Neil resigned
director
2019-06-04
📄
accounts-with-accounts-type-dormant
accounts · AA
2019-05-07
📄
change-person-director-company-with-change-date
officers · CH01
2019-03-29
🔓
Charge satisfied #5
2019-03-29
🔓
Charge satisfied #4
2019-03-11
🔒
Charge registered #7
Lender: Barclays Bank PLC (As Security Agent for the Secured Parties)
2019-03-11
🔒
Charge registered #6
Lender: Barclays Bank PLC as Security Agent for the Secured Parties
2019-01-30
➖
DAY, Philip Edward resigned
director
2017-08-21
➕
EDMONDS, Robert Neil appointed
director
2017-06-01
➖
LEE, Kristian Brian resigned
director
2016-03-01
➕
SIMPSON, Stephen Robert appointed
director
2015-09-01
➕
HERRING, John Anthony appointed
director
2012-02-20
➖
HOUSTON, David Oliver resigned
director
2012-01-04
➕
LEE, Kristian Brian appointed
director
2011-08-12
🔓
Charge satisfied #3
2011-07-25
🔒
Charge registered #5
Lender: Barclays Bank PLC
2011-07-22
🔒
Charge registered #4
Lender: Barclays Bank PLC
2010-06-18
➖
WHITAKER, Alec resigned
director
2009-10-28
🔒
Charge registered #3
Lender: Barclays Bank PLC
2008-02-27
➕
DAY, Philip Edward appointed
director
2006-11-16
🔓
Charge satisfied #2
2005-03-02
🔓
Charge satisfied #1
2005-02-25
🔒
Charge registered #2
Lender: Barclays Bank PLC as Security Trustee
2002-11-15
🔒
Charge registered #1
Lender: The Governor and Company of the Bank of Scotland
2001-07-16
➖
BIRRELL, Colin resigned
director
2001-06-21
➖
CARRUTHERS, June resigned
director
2001-06-21
➕
WHITAKER, Alec appointed
director
2001-06-20
➕
HOUSTON, David Oliver appointed
director
2001-05-31
➕
CARRUTHERS, June appointed
secretary
2001-05-31
➖
DUNBAR, Jennifer Mary resigned
secretary
2001-05-31
➕
CARRUTHERS, June appointed
director
2001-05-31
➖
DUNBAR, Jennifer Mary resigned
director
2000-01-28
➕
BIRRELL, Colin appointed
director
2000-01-28
➖
STEVENSON, David Deas resigned
director

Showing most recent 50 of 64 events

Owner dependency

73/100

High — earn-out structure required

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

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Founder age: Director aged approximately 69 — succession pressure is live.

Succession & seller-readiness

71/100

Strong succession signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
secondaryStable-but-static management: Company is 34 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

1 high · 1 med ·

1 insolvency-related filing on record

high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2020-09-24: legacy

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.

Group structure

Volantis Two Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Volantis Two Limited

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

ultimate parent

⬇

EWM (FINANCIAL SERVICES) LIMITED

This company · SC139175

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
Volantis Two Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control · firm interest	21/09/2020

1 historic (ceased) PSC

Ewm (Topco) Limitedceased 21/09/2020· 75-100% shares · 75-100% voting · firm interest

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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DALBEATTIE FINANCE COMPANY LIMITED→ SC031300 · est 1956 · no financials extracted	—	—	—	—	70y	82	65y
ANNANDALE TRUSTEES LIMITED→ SC155060 · est 1994	—	—	£1.1k	—	31y	79	65y
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ARLA FOODS GP LIMITED→ SC550037 · est 2016 · no financials extracted	—	—	—	—	9y	77	64y
ALASTAIR PATERSON LIMITED→ SC867953 · est 2025 · no financials extracted	—	—	—	—	—	76	74y
BORDER FINANCE LIMITED→ SC366555 · est 2009	—	—	£4.98M	—	16y	76	54y
CJJ RASCAL LTD→ SC725638 · est 2022	—	—	£2.7k	—	4y	76	65y
DALLING WEALTH MANAGEMENT LIMITED→ SC612175 · est 2018	—	—	£73.1k	—	7y	76	60y
CCRS BROKERS LIMITED→ SC345403 · est 2008	—	—	£60.0k	—	17y	75	57y
BITHELL ASSET FINANCE SOLUTIONS LTD→ SC482478 · est 2014	—	—	—	2	11y	74	40y
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Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

8 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

Incorporated1992-07-03

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

The Edinburgh Woollen Mill Limited

Waverley Mills

Langholm

Dumfriesshire

DG13 0EB

Filing status

Accounts

Next due: 2026-11-30

Last made up to: 2025-03-01

Confirmation statement

Next due: 2027-03-24

Last: 2026-03-10

Officers (3 active · 15 resigned)

CARRUTHERS, June→

secretary · appointed 2001-05-31

View their other companies + combined net worth →

Active

HERRING, John Anthony→

director · ~69y · appointed 2015-09-01

View their other companies + combined net worth →

Active

SIMPSON, Stephen Robert→

director · ~58y · appointed 2016-03-01

View their other companies + combined net worth →

Active

DUNBAR, Jennifer Mary→

secretary · appointed 1992-10-15 · resigned 2001-05-31

Resigned

MEIKLEJOHN, Iain Maury Campbell→

nominee-secretary · appointed 1992-07-03 · resigned 1992-10-15

Resigned

AINSLIE, James Thomas Heard→

director · ~90y · appointed 1992-10-15 · resigned 1996-02-02

Resigned

BIRRELL, Colin→

director · ~71y · appointed 2000-01-28 · resigned 2001-07-16

Resigned

CARRUTHERS, June→

director · ~62y · appointed 2001-05-31 · resigned 2001-06-21

Resigned

DAY, Philip Edward→

director · ~61y · appointed 2008-02-27 · resigned 2019-01-30

Resigned

DUNBAR, Jennifer Mary→

director · ~85y · appointed 1996-02-02 · resigned 2001-05-31

Resigned

EDMONDS, Robert Neil→

director · ~61y · appointed 2017-08-21 · resigned 2019-06-07

Resigned

HALLY, Paul William→

director · ~67y · appointed 1992-08-14 · resigned 1992-10-15

Resigned

HOUSTON, David Oliver→

director · ~73y · appointed 2001-06-20 · resigned 2012-02-20

Resigned

LEE, Kristian Brian→

director · ~52y · appointed 2012-01-04 · resigned 2017-06-01

Resigned

MEIKLEJOHN, Iain Maury Campbell→

nominee-director · ~72y · appointed 1992-07-03 · resigned 1992-10-15

Resigned

STEVENSON, David Deas→

director · ~85y · appointed 1992-10-15 · resigned 2000-01-28

Resigned

WHITAKER, Alec→

director · ~66y · appointed 2001-06-21 · resigned 2010-06-18

Resigned

WILL, James Robert→

nominee-director · ~71y · appointed 1992-07-03 · resigned 1992-10-15

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:7 of 7 shown

		Type	Properties
outstanding	Barclays Barclays Bank PLC (As Security Agent for the Secured Parties)	A registered charge	1 property	11/03/2019	—
outstanding	Barclays Barclays Bank PLC as Security Agent for the Secured Parties	A registered charge	1 property	11/03/2019	—
satisfied	Barclays Barclays Bank PLC	Debenture	1 property	25/07/2011	29/03/2019
satisfied	Barclays Barclays Bank PLC	Bond & floating charge	1 property	22/07/2011	29/03/2019
satisfied	Barclays Barclays Bank PLC	Fixed and floating security document	1 property	28/10/2009	12/08/2011
satisfied	Barclays Barclays Bank PLC as Security Trustee	Floating charge	1 property	25/02/2005	16/11/2006
satisfied	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Floating charge	3 properties	15/11/2002	02/03/2005

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

Recent filings (147 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-03-10

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

officers · CH01

2026-01-14

accounts-with-accounts-type-dormant

accounts · AA

2025-11-07

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-03-17

accounts-with-accounts-type-dormant

accounts · AA

2024-11-25

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

officers · CH01

2024-08-01

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-05-07

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-04-25

confirmation-statement-with-updates

confirmation-statement · CS01

2024-04-25

notification-of-a-person-with-significant-control

persons-with-significant-control · PSC02

2024-04-25

cessation-of-a-person-with-significant-control

persons-with-significant-control · PSC07

2024-04-25

accounts-with-accounts-type-dormant

accounts · AA

2024-03-18

accounts-with-accounts-type-dormant

accounts · AA

2024-03-13

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

accounts · AA

2023-05-02

confirmation-statement-with-no-updates

confirmation-statement · CS01

2021-03-15