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.
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 May 2025
Net worth
£17.1k
book net assets
Opportunity
82/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65120Non-life insurance
Investor take
Pursue
Strong 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 19.8y

30/100
under pressure

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

  • · Oldest live charge is 19.8 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
59 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 declared
Positive 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 accounts
Cash
£10k
↑ 31% YoY
Net Worth
£17k
↓ 57% YoY
Current Assets
£68k
↓ 17% YoY
Current Liabilities
—
£0£16k£33k£49k£65k£82kMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-05-312024-05-31
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 confirmation-statement
Last 180 days
4
filings
  • • 1 confirmation-statement
  • • 1 accounts
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2026-02-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2026-01-21
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  3. 2026-01-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-07-03
    ➖
    MCCALLUM, Kathleen resigned
    secretary
  5. 2025-02-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2024-02-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-02-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-02-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-05-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2021-04-02
    🔒
    Charge registered #4
    Lender: The Royal Bank of Scotland PLC
  11. 2021-01-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-11-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2020-10-29
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  14. 2020-01-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-02-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-02-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2017-10-13
    📄
    capital-allotment-shares
    capital · SH01
  18. 2007-02-22
    🔒
    Charge registered #2
    Lender: Hsbc Bank PLC
  19. 2006-08-16
    🔒
    Charge registered #1
    Lender: Hsbc Bank PLC
  20. 2003-03-06
    🏢
    Company incorporated
    As JMC FINANCIAL SERVICES LIMITED
  21. 2003-03-06
    ➕
    MCCALLUM, John Alexander appointed
    director
  22. 2003-03-06
    ➕
    MCCALLUM, Kathleen appointed
    secretary
  23. 2003-03-06
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  24. 2003-03-06
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary

Owner dependency

93/100
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.
  • +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 candidate

Strong 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

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
Mr John Alexander Mccallum
Individual · British · DOB 07/1968 · age 58
75–100%
—75-100% shares06/03/2017

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

Similar companies

Active · Financial services · KA postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
CHRISTIE FINANCIAL PLANNING LIMITED→
SC189743 · est 1998
——£162.2k—27y8265y
KEN BINNIE FINANCIAL LIMITED→
SC244778 · est 2003
——£253—23y8266y
PACIFIC SHELF 1272 LIMITED→
SC267459 · est 2004
———122y8277y
A G FINANCE (SCOTLAND) LIMITED→
SC281499 · est 2005
———1121y8064y
ACMCA LIMITED→
SC234784 · est 2002
——£19.7k—23y8071y
ALAN R. MACKAY & COMPANY LIMITED→
SC114821 · est 1988
———3737y8058y
AYRSHIRE FINANCIAL SERVICES LTD.→
SC209344 · est 2000
——£109.2k—25y8060y
B.P.D. SOLUTIONS LTD→
SC396317 · est 2011
——£2—15y8066y
DAVID MUNRO FINANCIAL SERVICES LIMITED→
SC350315 · est 2008
——£47.9k—17y8062y
JIM WYLIE MORTGAGE & FINANCIAL SERVICES LIMITED→
SC246054 · est 2003
———20023y8062y
KEN NAIRN LTD→
SC394820 · est 2011
——£178.0k—15y8062y
KLIN FACILITIES MANAGEMENT LIMITED→
SC342810 · est 2008
——£7.2k—18y8060y
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: 2027-04-26
Last: 2026-04-12

Officers (1 active · 2 resigned)

MCCALLUM, John Alexander→
director · ~58y · appointed 2003-03-06
View their other companies + combined net worth →
Active
MCCALLUM, Kathleen→
secretary · appointed 2003-03-06 · resigned 2025-07-03
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2003-03-06 · resigned 2003-03-06
Resigned

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
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property02/04/2021—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—29/10/2020—
outstanding
HSBC
Hsbc Bank PLC
Standard security1 property22/02/2007—
outstanding
HSBC
Hsbc Bank PLC
Floating charge1 property16/08/2006—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (59 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-06
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