JIM WYLIE MORTGAGE & FINANCIAL SERVICES LIMITED

🌳Matureactive
SC246054 · ltd · incorporated 2003-03-20
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
£180.3k
book net assets
Opportunity
80/100
Exceptional
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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
Asset-holding vehicle with a 62-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 62). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

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, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (2 active, 4 linked, 2 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
60 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £180,345

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£180k
↑ 43% YoY
Current Assets
£391k
↑ 17% YoY
Current Liabilities
—
£0£78k£156k£235k£313k£391kFeb 2024Feb 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-02-282024-02-28
Total assets£182.8k£135.9k
Current assets£391.1k£333.7k
Net assets£180.3k£125.9k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

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 (22 events)Click to expand
  1. 2025-05-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-04-23
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  3. 2025-03-24
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  4. 2025-03-21
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  5. 2024-06-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2023-08-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-09-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-10-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-10-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2019-07-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2018-10-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2017-07-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2017-07-10
    ➕
    WYLIE, Lorraine appointed
    director
  14. 2017-07-10
    ➖
    WYLIE, Lorraine Jean Steven resigned
    secretary
  15. 2017-07-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2017-07-10
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  17. 2016-08-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2003-03-20
    🏢
    Company incorporated
    As JIM WYLIE MORTGAGE & FINANCIAL SERVICES LIMITED
  19. 2003-03-20
    ➕
    WYLIE, James Chalmers appointed
    director
  20. 2003-03-20
    ➕
    WYLIE, Lorraine Jean Steven appointed
    secretary
  21. 2003-03-20
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  22. 2003-03-20
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary

Owner dependency

99/100
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 "WYLIE" — 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.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100
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 62. Early succession window.
  • 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
NameSharesVoting rightsNature of controlNotified
Mrs Lorraine Wylie
Individual · British · DOB 10/1966 · age 60
25–50%
25–50%25-50% shares · 25-50% voting10/07/2017
Mr James Chalmers Wylie
Individual · British · DOB 08/1964 · age 62
——sig. influencesignificant influence20/03/2017

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2003-03-20
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

39 Anderson Drive
Darvel
Ayrshire
KA17 0DE

Filing status

Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2026-05-07
Last: 2025-04-23

Officers (2 active · 2 resigned)

WYLIE, James Chalmers→
director · ~62y · appointed 2003-03-20
View their other companies + combined net worth →
Active
WYLIE, Lorraine→
director · ~60y · appointed 2017-07-10
View their other companies + combined net worth →
Active
WYLIE, Lorraine Jean Steven→
secretary · appointed 2003-03-20 · resigned 2017-07-10
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2003-03-20 · resigned 2003-03-20
Resigned

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

Recent filings (60 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-23
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-04-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-03-24
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2025-03-21
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-02
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-12
accounts-with-accounts-type-micro-entity
accounts · AA
2020-10-30