JMC FINANCIAL SERVICES LIMITED
💤Zombieactive
SC245180 · ltd · incorporated 2003-03-06
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£17.1k
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
- 65120Non-life insurance
Investor take
PursueStrong opportunity: active trading company with exceptional profile and acceptable with review structure.
Opportunity 82/100 (exceptional), bankability 65/100. Strong seller-intent signal (70/100, director aged 58). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
4 live charges · 2 lenders · oldest 19.7y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 19.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · 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, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
3 officers (1 active, 3 linked, 1 with DOB)
77
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
58 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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £17,109
Net assets shrinking
Down £23,017 YoY
Cash YoY
+31%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£10k
↑ 31% YoY
Net Worth
£17k
↓ 57% YoY
Current Assets
£68k
↓ 17% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £71.4k | £94.0k |
| Current assets | £67.9k | £81.7k |
| Cash | £10.4k | £7.9k |
| Debtors | £57.6k | £73.8k |
| Net assets | £17.1k | £40.1k |
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
1
filing
- • 1 accounts
Last 180 days
3
filings
- • 1 accounts
- • 1 officers
- • 1 address
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2026-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-01-21📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-01-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-03➖MCCALLUM, Kathleen resignedsecretary
- 2025-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-04-02🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 2021-01-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-10-29🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2020-01-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-13📄capital-allotment-sharescapital · SH01
- 2017-01-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2007-02-22🔒Charge registered #2Lender: Hsbc Bank PLC
- 2006-08-16🔒Charge registered #1Lender: Hsbc Bank PLC
- 2003-03-06🏢Company incorporatedAs JMC FINANCIAL SERVICES LIMITED
- 2003-03-06➕MCCALLUM, John Alexander appointeddirector
- 2003-03-06➕MCCALLUM, Kathleen appointedsecretary
- 2003-03-06➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2003-03-06➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
Owner dependency
93/100
Critical — business is the founderThe 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.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
Succession & seller-readiness
85/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. 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 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 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
cleanNo 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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Alexander Mccallum Individual · British · DOB 07/1968 · age 58 | 75–100% | — | 75-100% shares | 06/03/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| JFX TRADING NETWORK LTD→ SC847676 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| MONARCHIA (AESTHETICS AND SAFETY) CONSULTANCY LTD→ SC801508 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| NICHOLSON WEALTH LIMITED→ SC835235 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ONE INGRAM FINANCE LTD→ SC555330 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| PELICAN FINANCE LIMITED→ SC521621 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| PRM FINANCIAL SERVICES LIMITED→ SC544185 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| SILVERBURN INVESTMENTS LIMITED→ SC362017 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| SIMPLY BROKERING LTD→ SC662456 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| SM30 GROUP LTD→ SC842520 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| SPECIAL PENSION TRUSTEE LTD→ SC876253 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| STOCKINGBRIDGE LTD→ SC475908 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| STONEFIELD FINANCIAL SERVICES LTD→ SC436450 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2003-03-06
Jurisdictionscotland
Primary SIC65110 — Life insurance
Registered office
26 Ritchie Street
West Kilbride
KA23 9AL
Scotland
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-04-26
Last: 2025-04-12
Officers (1 active · 2 resigned)
MCCALLUM, John Alexander→
Activedirector · ~58y · appointed 2003-03-06
View their other companies + combined net worth →
MCCALLUM, Kathleen→
Resignedsecretary · appointed 2003-03-06 · resigned 2025-07-03
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 2003-03-06 · resigned 2003-03-06
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
4
Outstanding
2
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 02/04/2021 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 29/10/2020 | — | |
| outstanding | HSBC Hsbc Bank PLC | Standard security | 1 property | 22/02/2007 | — | |
| outstanding | HSBC Hsbc Bank PLC | Floating charge | 1 property | 16/08/2006 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (58 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-26
termination-secretary-company-with-name-termination-date
officers · TM02
2026-01-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-01-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-05-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-27