AML ASSOCIATES FINANCIAL SERVICES LTD.

💤Zombieactive
SC238338 · ltd · incorporated 2002-10-18
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 2026
Net worth
£48.6k
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

1 live charge · oldest 17.4y

45/100
under pressure

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

  • · Oldest live charge is 17.4 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (76/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (1 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
71 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
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
85
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 £48,643
Cash YoY
+50%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£75k
↑ 50% YoY
Net Worth
£49k
↑ 41% YoY
Current Assets
—
Current Liabilities
—
£0£15k£30k£45k£60k£75kMar 2025Mar 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-03-312025-03-31
Total assets£48.8k£34.6k
Cash£74.8k£49.9k
Net assets£48.6k£34.5k

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
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-04-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-04-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-04-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-06-29
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2022-04-28
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  7. 2022-04-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-04-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-02-11
    ➕
    MCLACHLAN, Lachlan appointed
    director
  10. 2021-02-11
    ➖
    MACLEOD, Rona resigned
    secretary
  11. 2021-02-11
    ➖
    MACLEOD, Alisdair Hector Macmillan resigned
    director
  12. 2021-02-11
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  13. 2021-02-11
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  14. 2021-02-11
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  15. 2021-02-11
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2021-02-11
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2021-02-11
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  18. 2021-02-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2020-04-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2009-01-27
    🔒
    Charge registered #1
    Lender: Royal Bank of Scotland PLC
  21. 2002-10-18
    🏢
    Company incorporated
    As AML ASSOCIATES FINANCIAL SERVICES LTD.
  22. 2002-10-18
    ➕
    MACLEOD, Rona appointed
    secretary
  23. 2002-10-18
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  24. 2002-10-18
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  25. 2002-10-18
    ➕
    MACLEOD, Alisdair Hector Macmillan appointed
    director
  26. 2002-10-18
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  27. 2002-10-18
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

75/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

55/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • 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

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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Lachlan Mclachlan
Individual · British · DOB 12/1973 · age 53
75–100%
—75-100% shares11/02/2021
2 historic (ceased) PSCs
  • Mr Alisdair Hector Macmillan Macleodceased 11/02/2021· 25-50% shares
  • Mrs Rona Macleodceased 11/02/2021· 25-50% shares

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
@SIPP LIMITED→
SC217126 · est 2001
£37.09M
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£10.21M—620025y8562y
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SC235634 · est 2002
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———23y8261y
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SC337979 · est 2008
£1.02M
£744.7k–£1.30M
——50018y8364y
COMMONWEALTH GAMES (SCOTLAND) ENDOWMENT FUND→
SC301214 · est 2006
£22.3k
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——020y8366y
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——£2.38M—16y8372y
CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED→
SC200273 · est 1999 · no financials extracted
————26y8359y
FEMALE INDEPENDENT LTD.→
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——£20.0k—23y8366y
HARRY SMITH, LIMITED→
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——£1.66M—113y8358y
KELVIN SMITH (INSURANCE BROKERS) LIMITED→
SC301532 · est 2006
——£3.48M—20y8363y
MORTGAGE ADVICE BROKERAGE LTD→
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———150018y8358y
NITRON INVESTMENTS LIMITED→
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————21y8364y
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
Incorporated2002-10-18
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

2 Inglewood Crescent
East Kilbride
Glasgow
G75 8QD
Scotland

Filing status

Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-03-01
Last: 2026-02-15

Officers (1 active · 4 resigned)

MCLACHLAN, Lachlan→
director · ~53y · appointed 2021-02-11
View their other companies + combined net worth →
Active
MACLEOD, Rona→
secretary · appointed 2002-10-18 · resigned 2021-02-11
Resigned
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2002-10-18 · resigned 2002-10-18
Resigned
MACLEOD, Alisdair Hector Macmillan→
director · ~75y · appointed 2002-10-18 · resigned 2021-02-11
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2002-10-18 · resigned 2002-10-18
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
Floating charge1 property27/01/2009—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (71 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-06-29
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2022-04-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-29
confirmation-statement-with-updates
confirmation-statement · CS01
2021-02-15
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-02-11