GEORGE STUBBS FINANCIAL SERVICES LIMITED
⚰️Wound downdissolved
SC150771 · ltd · incorporated 1994-05-09
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
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 material changes in the last 90 days.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2024
Net worth
—
book net assets
Opportunity
63/100
Worth a look
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed unclear — structural issues outweigh the discount.
Opportunity 63/100 (worth a look), bankability 72/100. Strong seller-intent signal (60/100, director aged 60). 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 (73/100).
🏦
Refinance opportunity
3 live charges · 3 lenders · oldest 17.4y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 17.4 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)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
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
15 officers (2 active, 15 linked, 12 with DOB)
86
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
124 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
63/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
30
Concerning — overdue filings or status flags present.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
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 | 2024-03-31 | 2023-03-31 |
|---|---|---|
| Average employees | 200 | 300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (59 events)Click to expand
- 2024-12-10📄gazette-dissolved-voluntarygazette · GAZ2(A)
- 2024-12-10🏁Company dissolved
- 2024-11-21📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-24📄gazette-notice-voluntarygazette · GAZ1(A)
- 2024-09-12📄dissolution-application-strike-off-companydissolution · DS01
- 2024-07-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-10📄memorandum-articlesincorporation · MA
- 2024-01-03📄resolutionresolution · RESOLUTIONS
- 2023-12-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-12-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-12-20🔓Charge satisfied #3
- 2023-12-20🔓Charge satisfied #2
- 2023-12-19➖LAFFERTY, James resigneddirector
- 2023-12-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-11📄change-person-director-company-with-change-dateofficers · CH01
- 2023-05-26📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-05-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-13➕EDWARDS, David appointeddirector
- 2023-04-13➖KING, Anthony Robert resigneddirector
- 2023-03-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-07➕TAYLOR, Robert Walter Thomas Urry appointeddirector
- 2023-02-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-10🔒Charge registered #3Lender: Investec Bank PLC (As Security Agent)
- 2023-02-10🔒Charge registered #2Lender: Investec Bank PLC
- 2022-08-05➖COGMAN-HELLIER, Simon Mark resigneddirector
- 2022-08-05➕KING, Anthony Robert appointeddirector
- 2022-08-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-08-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-07-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-07-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-06-30➕COGMAN-HELLIER, Simon Mark appointeddirector
- 2022-06-30➖FLEMING, Sean Liam resigneddirector
- 2022-06-30➖HERD, Keith Baird resigneddirector
- 2022-06-30➕LAFFERTY, James appointeddirector
- 2022-06-30➖LAFFERTY, James resigneddirector
- 2022-06-30➖STUBBS, George David resigneddirector
- 2022-06-30🔓Charge satisfied #1
- 2022-04-27➖STUBBS, Rhona resignedsecretary
- 2019-09-01➕FLEMING, Sean Liam appointeddirector
- 2019-04-29➕HERD, Keith Baird appointeddirector
- 2019-04-29➕LAFFERTY, James appointeddirector
- 2018-01-12➖MCGILL, Alasdair Iain resigneddirector
- 2017-08-31➖CHAMBERS, Kelman resigneddirector
- 2015-04-13➕MCGILL, Alasdair Iain appointeddirector
- 2013-04-10➕CHAMBERS, Kelman appointeddirector
- 2009-02-27🔒Charge registered #1Lender: Clydesdale Bank PLC
Showing most recent 50 of 59 events
Owner dependency
66/100
High — earn-out structure requiredMaterial 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.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 32 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high ·Company dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2024-12-10
Group structure
Radiant Financial Group Uk Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Radiant Financial Group Uk Holdings Limited
Corporate parent · holds 75-100% shares
⬇
GEORGE STUBBS FINANCIAL SERVICES LIMITED
This company · SC150771
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 |
|---|---|---|---|---|
Radiant Financial Group Uk Holdings Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 30/06/2022 |
1 historic (ceased) PSC
- Mr George David Stubbsceased 30/06/2022· 50-75% shares
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 · PH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| THE SCOTTISH LION INSURANCE COMPANY LIMITED→ SC025905 · est 1947 · no financials extracted | — | — | — | — | 78y | 83 | 79y |
| ALBASURE LTD.→ SC277428 · est 2004 | — | — | — | 100 | 21y | 82 | 75y |
| CRIEFF FINANCIAL & MORTGAGE CENTRE LIMITED→ SC330821 · est 2007 | — | — | — | 300 | 18y | 82 | 67y |
| THE LENDING CHANNEL LTD→ SC334818 · est 2007 | — | — | — | 2100 | 18y | 81 | 61y |
| BLACKFORD FINANCIAL SOLUTIONS LIMITED→ SC324569 · est 2007 | — | — | — | 200 | 19y | 80 | 58y |
| BRAIDS BRAWEST LIMITED→ SC244281 · est 2003 | — | — | — | — | 23y | 80 | 61y |
| DUPPLIN INVESTMENTS LIMITED→ SC480480 · est 2014 | — | — | — | 0 | 12y | 80 | 59y |
| HERITABLE LIMITED→ SC237615 · est 2002 | — | — | — | — | 23y | 80 | 73y |
| KAIM INVESTMENT COMPANY LIMITED→ SC020977 · est 1939 | — | — | — | 2 | 87y | 80 | 88y |
| PROFESSIONAL MORTGAGE ADVISERS LTD→ SC270934 · est 2004 | — | — | — | 200 | 22y | 80 | 62y |
| RODNEY NEIL FINANCIAL SERVICES (BLAIRGOWRIE) LIMITED→ SC209096 · est 2000 | — | — | £100.9k | — | 26y | 80 | 67y |
| STRATA GROUP HOLDINGS (SCOTLAND) LIMITED→ SC193882 · est 1999 | — | — | — | 0 | 27y | 80 | 59y |
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
Statusdissolved
Typeltd
Incorporated1994-05-09
Jurisdictionscotland
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
Suite 6 South Inch Business Centre
Perth
PH2 8BW
Scotland
Filing status
Accounts
Next due: —
Last made up to: 2024-03-31
Confirmation statement
Next due: —
Last: 2023-08-29
Officers (0 active · 13 resigned)
EDWARDS, David→
Activedirector · ~60y · appointed 2023-04-13
View their other companies + combined net worth →
TAYLOR, Robert Walter Thomas Urry→
Activedirector · ~50y · appointed 2023-03-07
View their other companies + combined net worth →
STUBBS, Rhona→
Resignedsecretary · appointed 2007-10-01 · resigned 2022-04-27
CCW SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 1998-05-06 · resigned 2007-10-01
PAGAN MACBETH→
Resignedcorporate-secretary · appointed 1994-05-09 · resigned 1998-05-06
CHAMBERS, Kelman→
Resigneddirector · ~60y · appointed 2013-04-10 · resigned 2017-08-31
CLARKE, John Bernard→
Resigneddirector · ~71y · appointed 1994-05-09 · resigned 1994-08-05
COGMAN-HELLIER, Simon Mark→
Resigneddirector · ~64y · appointed 2022-06-30 · resigned 2022-08-05
FLEMING, Sean Liam→
Resigneddirector · ~37y · appointed 2019-09-01 · resigned 2022-06-30
HERD, Keith Baird→
Resigneddirector · ~71y · appointed 2019-04-29 · resigned 2022-06-30
KING, Anthony Robert→
Resigneddirector · ~51y · appointed 2022-08-05 · resigned 2023-04-13
LAFFERTY, James→
Resigneddirector · ~69y · appointed 2022-06-30 · resigned 2023-12-19
LAFFERTY, James→
Resigneddirector · ~69y · appointed 2019-04-29 · resigned 2022-06-30
MCGILL, Alasdair Iain→
Resigneddirector · ~57y · appointed 2015-04-13 · resigned 2018-01-12
STUBBS, George David→
Resigneddirector · ~61y · appointed 1994-08-05 · resigned 2022-06-30
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Investec Bank (As Security Agent) Investec Bank PLC (As Security Agent) | A registered charge | — | 10/02/2023 | 20/12/2023 | |
| satisfied | Investec Bank Investec Bank PLC | A registered charge | 1 property | 10/02/2023 | 20/12/2023 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 27/02/2009 | 30/06/2022 |
Recent filings (124 total)
gazette-dissolved-voluntary
gazette · GAZ2(A)
2024-12-10
change-person-director-company-with-change-date
officers · CH01
2024-11-21
gazette-notice-voluntary
gazette · GAZ1(A)
2024-09-24
dissolution-application-strike-off-company
dissolution · DS01
2024-09-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-17
memorandum-articles
incorporation · MA
2024-01-10
resolution
resolution · RESOLUTIONS
2024-01-03
termination-director-company-with-name-termination-date
officers · TM01
2023-12-22
mortgage-satisfy-charge-full
mortgage · MR04
2023-12-20
mortgage-satisfy-charge-full
mortgage · MR04
2023-12-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-15
change-person-director-company-with-change-date
officers · CH01
2023-09-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-08
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-05-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-25