J.V. FINN LIMITED

💤Zombieactive
SC238034 · ltd · incorporated 2002-10-11
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 68100Buying and selling of own real estate
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 59). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 13.0y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 13.0 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (78/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (1 active, 4 linked, 1 with DOB)
75
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
60 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 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
Average employees100100

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
0
filings
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2025-10-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-05-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-06-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-06-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-03-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-08-04
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  7. 2021-08-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  8. 2021-08-01
    ➖
    FINN, Hazel resigned
    secretary
  9. 2020-05-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2019-10-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2018-12-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2017-12-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2016-11-11
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-10-23
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-10-19
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2014-12-12
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2013-07-08
    🔒
    Charge registered #2
    Lender: Bank of Scotland PLC
  18. 2013-06-03
    🔒
    Charge registered #1
    Lender: Bank of Scotland PLC
  19. 2002-10-11
    🏢
    Company incorporated
    As J.V. FINN LIMITED
  20. 2002-10-11
    ➕
    FINN, Jonathan Victor appointed
    director
  21. 2002-10-11
    ➕
    FINN, Hazel appointed
    secretary
  22. 2002-10-11
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  23. 2002-10-11
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  24. 2002-10-11
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  25. 2002-10-11
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

100/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Founder name in company name: Company name contains director surname "FINN" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

85/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Jonathan Victor Finn
Individual · British · DOB 04/1967 · age 59
25–50%
25–50%board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence · firm interest07/04/2016
1 historic (ceased) PSC
  • Mrs Hazel Finnceased 01/08/2021· 25-50% shares · 25-50% voting · board control · significant influence · 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 →

Similar companies

Active · Financial services · EH postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
AMATI GLOBAL INVESTORS LIMITED→
SC199908 · est 1999
£8.90M
£6.47M–£11.33M
——280026y8466y
CS MANAGERS LTD→
SC231678 · est 2002
£1.50M
£1.09M–£1.91M
——120024y8677y
GBCP VII (GENERAL PARTNER) LIMITED→
SC253395 · est 2003 · no financials extracted
————22y8362y
NOBLE GROSSART LIMITED→
SC046265 · est 1969 · no financials extracted
————57y8372y
PREMIER COMMERCIAL LIMITED→
SC160330 · est 1995
——£282.5k—30y8361y
RIA CAPITAL MARKETS LIMITED→
SC226461 · est 2001 · no financials extracted
————24y8358y
SCOTIA WEALTH MANAGEMENT LTD.→
SC267795 · est 2004
———130022y8358y
ALAN STEEL (ASSET MANAGEMENT) LIMITED→
SC058014 · est 1975
———4450y8262y
ALEX HAMMOND-CHAMBERS & COMPANY→
SC126819 · est 1990 · no financials extracted
————35y8284y
BANDRON LIMITED→
SC082385 · est 1983
———40043y8271y
FAMILY & BUSINESS ASSURANCE (SERVICES) LIMITED→
SC347357 · est 2008
——£50.9k—17y8267y
HAMILTON DALRYMPLE TRUST COMPANY.→
SC017910 · est 1934 · no financials extracted
————92y8271y
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
Incorporated2002-10-11
Jurisdictionscotland
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

104 Rose Street
Edinburgh
EH2 2NN

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-25
Last: 2025-10-11

Officers (1 active · 3 resigned)

FINN, Jonathan Victor→
director · ~59y · appointed 2002-10-11
View their other companies + combined net worth →
Active
FINN, Hazel→
secretary · appointed 2002-10-11 · resigned 2021-08-01
Resigned
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2002-10-11 · resigned 2002-10-11
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2002-10-11 · resigned 2002-10-11
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property08/07/2013—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property03/06/2013—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (60 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-13
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-15
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-28
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-01
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-16
termination-secretary-company-with-name-termination-date
officers · TM02
2021-08-04
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2021-08-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-28
accounts-with-accounts-type-micro-entity
accounts · AA
2020-05-12
accounts-with-accounts-type-micro-entity
accounts · AA
2019-10-14