J. & C. STUART PHARMACIES LIMITED

🌳Matureactive
SC237335 · ltd · incorporated 2002-09-25
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 Mar 2025
Net worth
£384.3k
book net assets
Opportunity
72/100
Strong
🔔
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What this business does
Primary activity: Dispensing chemist in specialised stores
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 72/100 (strong), bankability 67/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

7 live charges · 4 lenders · oldest 23.5y

35/100
too messy

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

  • · Oldest live charge is 23.5 years old — likely at or near maturity.
  • · 4 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
75
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
9 officers (3 active, 9 linked, 5 with DOB)
81
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
92 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
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 £384,274
Net assets shrinking
Down £63,860 YoY
Cash YoY
+2%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£479k
↑ 2.3% YoY
Net Worth
£384k
↓ 14% YoY
Current Assets
£525k
↓ 6.4% YoY
Current Liabilities
—
£0£112k£224k£337k£449k£561kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£437.1k£533.6k
Current assets£525.2k£561.0k
Cash£479.4k£468.4k
Debtors£20.7k£47.5k
Net assets£384.3k£448.1k

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
0
filings
Last 90 days
0
filings
Last 180 days
5
filings
  • • 4 mortgage
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (48 events)Click to expand
  1. 2025-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-11-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-11-11
    🔒
    Charge registered #7
    Lender: Barclays Security Trustee Limited (As Security Trustee) (Crn: 10825314)
  4. 2025-11-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2025-11-05
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2025-11-05
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2025-11-05
    🔓
    Charge satisfied #4
  8. 2025-11-05
    🔓
    Charge satisfied #5
  9. 2025-10-20
    🔒
    Charge registered #6
    Lender: Barclays Security Trustee Limited as Security Trustee (Company Number 10825314)
  10. 2025-02-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2024-03-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2023-04-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2022-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2022-02-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-03-17
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2021-03-10
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  17. 2021-03-09
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  18. 2021-03-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  19. 2021-03-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  20. 2021-03-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  21. 2021-03-09
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  22. 2021-03-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  23. 2021-03-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  24. 2021-03-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  25. 2021-03-05
    🔒
    Charge registered #4
    Lender: Unity Trust Bank PLC
  26. 2021-03-02
    ➕
    TIMLIN, Elaine appointed
    secretary
  27. 2021-03-02
    ➕
    SADIQ, Mohammad Naseem appointed
    director
  28. 2021-03-02
    ➕
    TIMLIN, Brian appointed
    director
  29. 2021-03-02
    ➖
    STUART, John resigned
    secretary
  30. 2021-03-02
    ➖
    SCOTT, Duncan Malcolm resigned
    director
  31. 2021-03-02
    ➖
    STUART, Colleen Margaret Watson resigned
    director
  32. 2021-03-02
    ➖
    STUART, John resigned
    director
  33. 2021-03-02
    🔒
    Charge registered #5
    Lender: Unity Trust Bank PLC
  34. 2021-02-25
    🔓
    Charge satisfied #3
  35. 2021-02-25
    🔓
    Charge satisfied #2
  36. 2012-01-11
    🔓
    Charge satisfied #1
  37. 2005-01-26
    ➕
    SCOTT, Duncan Malcolm appointed
    director
  38. 2004-02-24
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  39. 2003-05-29
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  40. 2002-10-17
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  41. 2002-09-25
    🏢
    Company incorporated
    As J. & C. STUART PHARMACIES LIMITED
  42. 2002-09-25
    ➕
    STUART, John appointed
    secretary
  43. 2002-09-25
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  44. 2002-09-25
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  45. 2002-09-25
    ➕
    STUART, Colleen Margaret Watson appointed
    director
  46. 2002-09-25
    ➕
    STUART, John appointed
    director
  47. 2002-09-25
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  48. 2002-09-25
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

46/100
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.
  • secondaryStable-but-static management: Company is 24 years old and no new directors in the last 3 years — succession not yet being planned internally.

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

Kst Pharm Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Kst Pharm Ltd
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
J. & C. STUART PHARMACIES LIMITED
This company · SC237335

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
Kst Pharm Ltd
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control02/03/2021
3 historic (ceased) PSCs
  • Mr John Stuartceased 02/03/2021· significant influence
  • Mr Duncan Scottceased 02/03/2021· 50-75% shares
  • Mrs Colleen Stuartceased 02/03/2021· 25-50% 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 →

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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
Incorporated2002-09-25
Jurisdictionscotland
Primary SIC47730 — Dispensing chemist in specialised stores

Registered office

29 Brandon Street
Hamilton
South Lanarkshire
ML3 6DA
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-09
Last: 2025-09-25

Officers (3 active · 6 resigned)

TIMLIN, Elaine→
secretary · appointed 2021-03-02
View their other companies + combined net worth →
Active
SADIQ, Mohammad Naseem→
director · ~57y · appointed 2021-03-02
View their other companies + combined net worth →
Active
TIMLIN, Brian→
director · ~52y · appointed 2021-03-02
View their other companies + combined net worth →
Active
STUART, John→
secretary · appointed 2002-09-25 · resigned 2021-03-02
Resigned
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2002-09-25 · resigned 2002-09-25
Resigned
SCOTT, Duncan Malcolm→
director · ~62y · appointed 2005-01-26 · resigned 2021-03-02
Resigned
STUART, Colleen Margaret Watson→
director · ~60y · appointed 2002-09-25 · resigned 2021-03-02
Resigned
STUART, John→
director · ~62y · appointed 2002-09-25 · resigned 2021-03-02
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2002-09-25 · resigned 2002-09-25
Resigned

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

Mortgages & charges

7
Total charges
2
Outstanding
1
Active lenders
Status:Lender:7 of 7 shown
TypeProperties
outstanding
Barclays
Barclays Security Trustee Limited (As Security Trustee) (Crn: 10825314)
A registered charge1 property11/11/2025—
outstanding
Barclays
Barclays Security Trustee Limited as Security Trustee (Company Number 10825314)
A registered charge1 property20/10/2025—
satisfied
Unity Trust Bank
Unity Trust Bank PLC
A registered charge1 property05/03/202105/11/2025
satisfied
Unity Trust Bank
Unity Trust Bank PLC
A registered charge—02/03/202105/11/2025
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property24/02/200425/02/2021
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property29/05/200325/02/2021
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property17/10/200211/01/2012
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (92 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-06
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-05
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-03
change-person-director-company-with-change-date
officers · CH01
2023-04-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-11
confirmation-statement-with-updates
confirmation-statement · CS01
2021-11-12