JASMINE HOLDINGS LIMITED

🌳Matureactive

SC149145 · ltd · incorporated 1994-02-18

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2024

Net worth

£106.0k

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Management consultancy activities other than financial management

Sector: Professional, scientific & technical

Investor take

Pursue

Asset-holding vehicle with a 76-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (93/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

7 live charges · 3 lenders · oldest 31.0y

35/100

too messy

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

· Oldest live charge is 31.0 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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

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

Directors & officers

14 officers (3 active, 14 linked, 10 with DOB)

Ownership & PSC

2 active PSC(s) of 3 total, 3 with control declared

Director network

5 connected companies via shared directors

Filing history

119 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

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 £105,962

Cash YoY

-13%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£11k

↓ 13% YoY

Net Worth

£106k

↑ 411% YoY

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2024-12-31	2023-12-31
Cash	£10.6k	£12.3k
Net assets	£106.0k	£-34.0k

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

🔒Filing-note intelligence

3 signals 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

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (60 events)Click to expand

2025-09-29
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-29
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-29
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-29
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-29
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-29
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-29
🔓
Charge satisfied #7
2025-09-29
🔓
Charge satisfied #6
2025-09-29
🔓
Charge satisfied #5
2025-09-29
🔓
Charge satisfied #4
2025-09-29
🔓
Charge satisfied #3
2025-09-29
🔓
Charge satisfied #1
2025-09-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-10
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-12-06
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-09-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-20
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2022-09-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-09-20
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2022-09-16
➕
STEWART, Neil Frew appointed
secretary
2022-09-16
➖
COWIE, Daniel Duncan resigned
secretary
2022-09-16
➖
COWIE, Daniel Duncan resigned
director
2022-06-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-24
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2022-03-01
📄
gazette-notice-compulsory
gazette · GAZ1
2021-08-31
📄
capital-cancellation-shares
capital · SH06
2021-08-31
📄
capital-return-purchase-own-shares
capital · SH03
2019-09-26
➖
PRIOR, Mairi Joyce resigned
director
2017-08-02
➕
COWIE, Sheila Mary appointed
director
2016-11-01
➕
PRIOR, Mairi Joyce appointed
director
2016-09-07
🔒
Charge registered #7
Lender: Clydesdale Bank PLC (SC001111)
2014-11-05
➖
FORRESTER, Gregor James resigned
director
2014-10-31
➖
PENNY, David John resigned
director
2012-11-27
🔒
Charge registered #6
Lender: Clydesdale Bank PLC
2012-07-04
🔓
Charge satisfied #2
2012-01-01
➕
FORRESTER, Gregor James appointed
director
2011-09-21
➖
PENNY, David John resigned
director
2010-04-01
➕
PENNY, David John appointed
director
2010-04-01
➕
PENNY, David John appointed
director
2008-09-08
🔒
Charge registered #5
Lender: Clydesdale Bank PLC
2008-09-01
➖
STRACHAN, Ian Watt resigned
director
2007-04-17
➕
COWIE, Daniel Duncan appointed
secretary
2007-04-17
➕
COWIE, Daniel Duncan appointed
director
2007-04-17
➕
STRACHAN, Ian Watt appointed
director
2007-01-12
➖
COWIE, George Holmes resigned
secretary
2007-01-12
➖
COWIE, George Holmes resigned
director
1995-10-18
🔒
Charge registered #4
Lender: Clydesdale Bank Public Limited Company
1995-09-15
🔒
Charge registered #3
Lender: Clydesdale Bank Public Limited Company

Showing most recent 50 of 60 events

Owner dependency

83/100

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.
+Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 76 — succession pressure is live.

Succession & seller-readiness

96/100

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.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 32 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 32 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 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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mrs Sheila Mary Cowie Individual · British · DOB 11/1950 · age 76	50–75%	—	50-75% shares	06/04/2016
Mr Neil Frew Stewart Individual · British · DOB 03/1951 · age 75	25–50%	—	25-50% shares	06/04/2016

1 historic (ceased) PSC

Mr Daniel Duncan Cowieceased 05/07/2021· significant influence

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

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Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
J'LISSIA LTD→ SC870383 · est 2025 · no financials extracted	—	—	—	—	—	—	—
JAMES FISHER PROPERTIES LIMITED→ SC289788 · est 2005 · no financials extracted	—	—	—	—	20y	—	—
JAMIE SHEWAN SUBSEA SERVICES LTD→ SC766621 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
JCAJ LTD→ SC406640 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
JENGRA LIMITED→ SC358899 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
JEOPLAN LTD→ SC488555 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
JESSCON LTD→ SC804442 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
JHL TECHNICAL LTD→ SC873784 · est 2025 · no financials extracted	—	—	—	—	—	—	—
JIM YOUNG LIFTING SERVICES LIMITED→ SC856855 · est 2025 · no financials extracted	—	—	—	—	—	—	—
JK BARCLAY LIMITED→ SC404037 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
JK DECOM LTD→ SC848785 · est 2025 · no financials extracted	—	—	—	—	—	—	—
JKH CONSULTANCY LTD→ SC762364 · est 2023 · no financials extracted	—	—	—	—	3y	—	—

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

Incorporated1994-02-18

Jurisdictionscotland

Primary SIC70229 — Management consultancy activities other than financial management

Registered office

47 Woodside Road

Bridge Of Don Industrial Estate

Aberdeen

AB23 8EF

Scotland

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-03-04

Last: 2026-02-18

Officers (3 active · 11 resigned)

STEWART, Neil Frew→

secretary · appointed 2022-09-16

View their other companies + combined net worth →

Active

COWIE, Sheila Mary→

director · ~76y · appointed 2017-08-02

View their other companies + combined net worth →

Active

STEWART, Neil Frew→

director · ~75y · appointed 1994-02-25

View their other companies + combined net worth →

Active

COWIE, Daniel Duncan→

secretary · appointed 2007-04-17 · resigned 2022-09-16

Resigned

COWIE, George Holmes→

secretary · appointed 1994-02-25 · resigned 2007-01-12

Resigned

PAULL & WILLIAMSONS→

corporate-secretary · appointed 1994-02-18 · resigned 1994-02-25

Resigned

BARRIE, Sidney→

director · ~76y · appointed 1994-02-18 · resigned 1994-02-25

Resigned

COWIE, Daniel Duncan→

director · ~50y · appointed 2007-04-17 · resigned 2022-09-16

Resigned

COWIE, George Holmes→

director · ~79y · appointed 1994-02-25 · resigned 2007-01-12

Resigned

FORRESTER, Gregor James→

director · ~56y · appointed 2012-01-01 · resigned 2014-11-05

Resigned

PENNY, David John→

director · ~43y · appointed 2010-04-01 · resigned 2014-10-31

Resigned

PENNY, David John→

director · ~43y · appointed 2010-04-01 · resigned 2011-09-21

Resigned

PRIOR, Mairi Joyce→

director · ~53y · appointed 2016-11-01 · resigned 2019-09-26

Resigned

STRACHAN, Ian Watt→

director · ~82y · appointed 2007-04-17 · resigned 2008-09-01

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
satisfied	Virgin Money Clydesdale Bank PLC (SC001111)	A registered charge	1 property	07/09/2016	29/09/2025
satisfied	Virgin Money Clydesdale Bank PLC	Floating charge	1 property	27/11/2012	29/09/2025
satisfied	Virgin Money Clydesdale Bank PLC	Standard security	1 property	08/09/2008	29/09/2025
satisfied	Virgin Money Clydesdale Bank Public Limited Company	Standard security	1 property	18/10/1995	29/09/2025
satisfied	Virgin Money Clydesdale Bank Public Limited Company	Standard security	1 property	15/09/1995	29/09/2025
satisfied	Virgin Money Clydesdale Bank Public Limited Company	Standard security	1 property	03/08/1995	04/07/2012
satisfied	Virgin Money Clydesdale Bank Public Limited Company	Floating charge	1 property	09/05/1995	29/09/2025

Recent filings (119 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-03-13

mortgage-satisfy-charge-full

mortgage · MR04

2025-09-29

mortgage-satisfy-charge-full

mortgage · MR04

2025-09-29

mortgage-satisfy-charge-full

mortgage · MR04

2025-09-29

mortgage-satisfy-charge-full

mortgage · MR04

2025-09-29

mortgage-satisfy-charge-full

mortgage · MR04

2025-09-29

mortgage-satisfy-charge-full

mortgage · MR04

2025-09-29

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

accounts · AA

2025-09-23

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-03-25

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

accounts · AA

2024-12-17

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-03-26

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

accounts · AA

2023-09-12

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-04-04

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2023-02-10

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

persons-with-significant-control · PSC07

2022-12-06