JAMES AND GEORGE COLLIE FINANCIAL MANAGEMENT LIMITED

🌳Matureactive

SC253171 · ltd · incorporated 2003-07-23

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 Dec 2024

Net worth

£11.1k

book net assets

Opportunity

81/100

Exceptional

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle with a 68-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -59% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (74/100)

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

10 officers (5 active, 10 linked, 9 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

11 connected companies via shared directors

Filing history

97 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

81/100Exceptional

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

Positive net assets

Net assets £11,147

Net assets shrinking

Down £14,785 YoY

Cash draining

Cash down 59% YoY

Cash YoY

-59%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£12k

↓ 59% YoY

Net Worth

£11k

↓ 57% YoY

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2024-12-31	2023-12-31
Cash	£12.0k	£29.0k
Net assets	£11.1k	£25.9k

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

🔒Filing-note intelligence

3 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

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (34 events)Click to expand

2025-08-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-02-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-11-15
➕
MCLENNAN, Forbes Fleming appointed
director
2021-11-15
➖
SHEPHERD, Richard Douglas Mckenzie resigned
director
2021-07-30
📄
change-person-director-company-with-change-date
officers · CH01
2021-05-05
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-30
📄
capital-return-purchase-own-shares
capital · SH03
2021-04-13
📄
capital-cancellation-shares
capital · SH06
2021-04-07
📄
resolution
resolution · RESOLUTIONS
2021-01-14
📄
change-corporate-secretary-company-with-change-date
officers · CH04
2020-09-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-06-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-05-16
📄
capital-return-purchase-own-shares
capital · SH03
2019-04-23
📄
capital-cancellation-shares
capital · SH06
2019-04-23
📄
resolution
resolution · RESOLUTIONS
2019-04-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-03-31
➖
DAWSON, Philip George resigned
director
2018-12-31
➖
CRIGHTON, Gail Doreen resigned
director
2018-04-01
➕
SHEPHERD, Richard Douglas Mckenzie appointed
director
2018-03-31
➖
DAWSON, Anthony James resigned
director
2010-11-22
➕
BENSON, Alexander Edward appointed
director
2010-11-22
➕
CHALMERS, Robert Charles appointed
director
2010-11-22
➕
CRIGHTON, Gail Doreen appointed
director
2004-09-21
➖
BUCHAN, Alexander Greig resigned
director
2003-08-08
➕
BUCHAN, Alexander Greig appointed
director
2003-07-23
🏢
Company incorporated
As JAMES AND GEORGE COLLIE FINANCIAL MANAGEMENT LIMITED
2003-07-23
➕
JAMES AND GEORGE COLLIE LLP appointed
corporate-secretary
2003-07-23
➕
LOVE, Duncan Mackinnon appointed
director
2003-07-23
➕
DAWSON, Anthony James appointed
director
2003-07-23
➕
DAWSON, Philip George appointed
director

Owner dependency

65/100

High — earn-out structure required

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

80/100

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 68. Approaching typical UK retirement age — succession thinking likely.
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.)

🔒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 →

Similar companies

Active · Financial services · AB postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
MILLER & CO. INVESTMENT MANAGEMENT LIMITED→ SC143600 · est 1993	£363.6k £264.4k–£462.7k	—	—	4	33y	85	61y
PROFESSIONAL FINANCIAL PLANNERS LIMITED→ SC327610 · est 2007	—	—	£2.38M	—	18y	83	69y
WEALTHWAY LIMITED→ SC207478 · est 2000	—	—	—	300	25y	83	63y
ADVANCED FINANCIAL PLANNING SCOTLAND LIMITED→ SC387177 · est 2010	—	—	—	1100	15y	82	72y
ATHOLL SCOTT FINANCIAL SERVICES LIMITED→ SC108824 · est 1988	—	—	£233.4k	—	38y	82	59y
OPTIMA FINANCIAL SERVICES LTD.→ SC202196 · est 1999	—	—	£134.3k	—	26y	82	69y
ATLAS FINANCIAL CONSULTING LIMITED→ SC217926 · est 2001	—	—	£37.9k	—	25y	81	64y
FUTURA INVESTMENTS LIMITED→ SC181954 · est 1998	—	—	—	—	28y	81	61y
J M TAYLOR FINANCIAL SERVICES LIMITED→ SC352131 · est 2008	—	—	£1.71M	—	17y	81	68y
LOSSIEMOUTH FISHERMEN'S BENEVOLENT ASSOCIATION LIMITED→ SC185887 · est 1998	—	—	£77.0k	—	27y	81	81y
SEED FUND (CARRY PARTNER) GENERAL PARTNER LIMITED→ SC318560 · est 2007 · no financials extracted	—	—	—	—	19y	81	71y
24X2 INVESTMENTS LIMITED→ SC260211 · est 2003	—	—	£397.9k	—	22y	80	62y

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.

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Company details

Statusactive

Typeltd

Incorporated2003-07-23

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

1 East Craibstone Street

Aberdeen

Aberdeenshire

AB11 6YQ

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-08-06

Last: 2025-07-23