FINDLAY ACCESS SERVICES LTD.

🌳Matureactive

SC245777 · ltd · incorporated 2003-03-17

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£-3.5k

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: SIC 09100

Sector: Mining & quarrying

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

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

Lenders & charges

Confirmed no charges registered

Directors & officers

5 officers (3 active, 5 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

55 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Negative net assets

Liabilities exceed assets by £3,537

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

-£4k

↑ 20% YoY

Current Assets

£10k

↑ 107% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Total assets	£4.2k	£4.7k
Current assets	£9.8k	£4.7k
Net assets	£-3.5k	£-4.4k

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

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (23 events)Click to expand

2025-12-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-15
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-15
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-12-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-11-29
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2017-10-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-03-10
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2016-11-24
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-03-15
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-09-29
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-03-09
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-03-12
➕
MCNAUGHTON, Claire Lesley appointed
director
2003-03-17
🏢
Company incorporated
As FINDLAY ACCESS SERVICES LTD.
2003-03-17
➕
MCNAUGHTON, Claire Leslay appointed
secretary
2003-03-17
➕
FINDLAY, Stuart Alexander appointed
director
2003-03-17
➕
BRIAN REID LTD. appointed
corporate-nominee-secretary
2003-03-17
➖
BRIAN REID LTD. resigned
corporate-nominee-secretary
2003-03-17
➕
STEPHEN MABBOTT LTD. appointed
corporate-nominee-director
2003-03-17
➖
STEPHEN MABBOTT LTD. resigned
corporate-nominee-director

Owner dependency

98/100

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

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Founder name in company name: Company name contains director surname "FINDLAY" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

86/100

Likely off-market candidate

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Stuart Alexander Findlay Individual · British · DOB 08/1961 · age 65	25–50%	—	board control25-50% shares · board control	06/04/2016
Ms Claire Lesley Mcnaughton Individual · British · DOB 05/1965 · age 61	25–50%	—	25-50% shares	06/04/2016

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

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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

Incorporated2003-03-17

Jurisdictionscotland

Primary SIC09100 — SIC 09100

Registered office

23 Dundas Avenue Dundas Avenue

North Berwick

EH39 4PS

Scotland

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-03-23

Last: 2026-03-09

Officers (3 active · 2 resigned)

MCNAUGHTON, Claire Leslay→

secretary · appointed 2003-03-17

View their other companies + combined net worth →

Active

FINDLAY, Stuart Alexander→

director · ~65y · appointed 2003-03-17

View their other companies + combined net worth →

Active

MCNAUGHTON, Claire Lesley→

director · ~61y · appointed 2014-03-12

View their other companies + combined net worth →

Active

BRIAN REID LTD.→

corporate-nominee-secretary · appointed 2003-03-17 · resigned 2003-03-17

Resigned

STEPHEN MABBOTT LTD.→

corporate-nominee-director · appointed 2003-03-17 · resigned 2003-03-17

Resigned

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