JOURNEYCALL LIMITED

🌳Matureactive
SC202170 · ltd · incorporated 1999-12-07
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
year to Jul 2025
Net worth
book net assets
Opportunity
73/100
Strong
🔔
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What this business does
Primary activity: Activities of call centres
Sector: Administrative & support services
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 73/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. 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: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

6 live charges · 5 lenders · oldest 20.4y

35/100
too messy

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

  • · Oldest live charge is 20.4 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 (72/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
20 officers (2 active, 20 linked, 13 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
142 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-07-31
Average employees39000

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
3
filings
  • 2 accounts
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (69 events)Click to expand
  1. 2026-01-13
    📄
    accounts-amended-with-accounts-type-small
    accounts · AAMD
  2. 2025-12-19
    📄
    accounts-with-accounts-type-small
    accounts · AA
  3. 2025-02-21
    📄
    accounts-with-accounts-type-small
    accounts · AA
  4. 2025-02-21
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2024-04-30
    📄
    accounts-with-accounts-type-full
    accounts · AA
  6. 2023-12-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2023-08-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2023-08-15
    🔒
    Charge registered #6
    Lender: Barclays Bank PLC
  9. 2023-06-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2023-06-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2023-06-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2023-06-01
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  13. 2023-06-01
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2023-06-01
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2023-05-31
    LAWSON, Iain appointed
    director
  16. 2023-05-31
    WILKIN CHAPMAN COMPANY SECRETARIAL SERVICES LIMITED resigned
    corporate-secretary
  17. 2023-05-31
    DUNN, Terence Frederick resigned
    director
  18. 2023-03-29
    📄
    accounts-with-accounts-type-full
    accounts · AA
  19. 2022-01-13
    📄
    accounts-with-accounts-type-full
    accounts · AA
  20. 2020-12-18
    📄
    accounts-with-accounts-type-full
    accounts · AA
  21. 2020-09-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  22. 2020-09-24
    🔓
    Charge satisfied #5
  23. 2020-01-14
    📄
    accounts-with-accounts-type-full
    accounts · AA
  24. 2020-01-14
    📄
    appoint-corporate-secretary-company-with-name-date
    officers · AP04
  25. 2020-01-08
    WILKIN CHAPMAN COMPANY SECRETARIAL SERVICES LIMITED appointed
    corporate-secretary
  26. 2019-11-08
    ROLLITS COMPANY SECRETARIES LIMITED resigned
    corporate-secretary
  27. 2019-10-31
    STEWART, Lesley resigned
    director
  28. 2017-06-20
    🔓
    Charge satisfied #4
  29. 2017-06-20
    🔓
    Charge satisfied #3
  30. 2017-02-14
    LONGMAN, Michael Guy resigned
    director
  31. 2016-05-31
    HILL, Simon resigned
    secretary
  32. 2016-05-31
    ROLLITS COMPANY SECRETARIES LIMITED appointed
    corporate-secretary
  33. 2016-05-31
    HILL, Simon John resigned
    director
  34. 2016-05-31
    LOCKWOOD, Christopher Charles resigned
    director
  35. 2015-11-17
    LONGMAN, Michael Guy appointed
    director
  36. 2015-05-19
    🔒
    Charge registered #5
    Lender: Barclays Bank PLC
  37. 2013-11-28
    PIRIE, Patricia Susanna resigned
    director
  38. 2013-05-16
    LOCKWOOD, Christopher Charles appointed
    director
  39. 2012-10-16
    🔒
    Charge registered #4
    Lender: Hsbc Bank PLC
  40. 2011-08-24
    LAWSON, Theresa Frances appointed
    director
  41. 2011-08-24
    HILL, Simon appointed
    secretary
  42. 2011-08-24
    PIRIE, Patricia Susanna resigned
    secretary
  43. 2010-03-18
    ELLIS, Robin resigned
    director
  44. 2010-03-18
    HILL, Simon John appointed
    director
  45. 2010-03-18
    SCOTT, Ian Desmond Patrick resigned
    director
  46. 2009-01-30
    ELLIS, Robin appointed
    director
  47. 2009-01-30
    MACFARLANE, John Quentin resigned
    director
  48. 2008-11-11
    HOWATT, John resigned
    director
  49. 2008-05-01
    HOWATT, John appointed
    director
  50. 2008-01-30
    DUNN, Terence Frederick appointed
    director
Showing most recent 50 of 69 events

Owner dependency

66/100
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.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

49/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 15 years.
  • 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.

Group structure

Esp Systex Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Esp Systex Holdings Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
JOURNEYCALL LIMITED
This company · SC202170

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%
NameSharesVoting rightsNature of controlNotified
Esp Systex Holdings Limited
Corporate entity
75100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated1999-12-07
Jurisdictionscotland
Primary SIC82200 — Activities of call centres

Registered office

14 City Quay
Dundee
DD1 3JA
Scotland

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-12-21
Last: 2025-12-07

Officers (2 active · 18 resigned)

LAWSON, Iain
director · ~42y · appointed 2023-05-31
View their other companies + combined net worth →
Active
LAWSON, Theresa Frances
director · ~49y · appointed 2011-08-24
View their other companies + combined net worth →
Active
HILL, Simon
secretary · appointed 2011-08-24 · resigned 2016-05-31
Resigned
MORONEY, Jill Lea
secretary · appointed 1999-12-07 · resigned 2000-01-13
Resigned
PIRIE, Patricia Susanna
secretary · appointed 2006-02-01 · resigned 2011-08-24
Resigned
FAIRCLOUGH ACCOUNTANCY SERVICES LTD
corporate-secretary · appointed 2003-05-14 · resigned 2006-01-31
Resigned
PAULL & WILLIAMSONS
corporate-secretary · appointed 2000-01-13 · resigned 2003-05-14
Resigned
ROLLITS COMPANY SECRETARIES LIMITED
corporate-secretary · appointed 2016-05-31 · resigned 2019-11-08
Resigned
WILKIN CHAPMAN COMPANY SECRETARIAL SERVICES LIMITED
corporate-secretary · appointed 2020-01-08 · resigned 2023-05-31
Resigned
DUNN, Terence Frederick
director · ~74y · appointed 2008-01-30 · resigned 2023-05-31
Resigned
ELLIS, Robin
director · ~70y · appointed 2009-01-30 · resigned 2010-03-18
Resigned
HILL, Simon John
director · ~61y · appointed 2010-03-18 · resigned 2016-05-31
Resigned
HOWATT, John
director · ~56y · appointed 2008-05-01 · resigned 2008-11-11
Resigned
LOCKWOOD, Christopher Charles
director · ~70y · appointed 2013-05-16 · resigned 2016-05-31
Resigned
LONGMAN, Michael Guy
director · ~62y · appointed 2015-11-17 · resigned 2017-02-14
Resigned
MACFARLANE, John Quentin
director · ~78y · appointed 2000-01-13 · resigned 2009-01-30
Resigned
MCNIVEN, Alan Ross
director · ~76y · appointed 1999-12-07 · resigned 2000-01-13
Resigned
PIRIE, Patricia Susanna
director · ~58y · appointed 2006-08-02 · resigned 2013-11-28
Resigned
SCOTT, Ian Desmond Patrick
director · ~60y · appointed 2005-12-01 · resigned 2010-03-18
Resigned
STEWART, Lesley
director · ~66y · appointed 2006-08-02 · resigned 2019-10-31
Resigned

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

Mortgages & charges

6
Total charges
1
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Barclays
Barclays Bank PLC
A registered charge15/08/2023
satisfied
Barclays
Barclays Bank PLC
A registered charge19/05/201524/09/2020
satisfied
HSBC
Hsbc Bank PLC
Floating charge1 property16/10/201220/06/2017
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Bond & floating charge1 property21/11/200720/06/2017
satisfied
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Bond & floating charge1 property29/11/200610/12/2007
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property23/12/200526/09/2007
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (142 total)

accounts-amended-with-accounts-type-small
accounts · AAMD
2026-01-13
accounts-with-accounts-type-small
accounts · AA
2025-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-16
accounts-with-accounts-type-small
accounts · AA
2025-02-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-10
accounts-with-accounts-type-full
accounts · AA
2024-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-12-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-06-08
change-person-director-company-with-change-date
officers · CH01
2023-06-07
change-person-director-company-with-change-date
officers · CH01
2023-06-06
termination-secretary-company-with-name-termination-date
officers · TM02
2023-06-01
termination-director-company-with-name-termination-date
officers · TM01
2023-06-01