SMG FINANCIAL MANAGEMENT LIMITED
🌳Matureactive
SC254010 · ltd · incorporated 2003-08-08
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 18.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2025
Net worth
£440.9k
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 62-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 85/100. 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).
🏦
Refinance opportunity
1 live charge · oldest 18.2y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 18.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
89 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
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 · FRS 102Positive net assets
Net assets £440,873
Cash YoY
-12%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£152k
↓ 12% YoY
Net Worth
£441k
↑ 15% YoY
Current Assets
£527k
↑ 16% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-11-30 | 2024-11-30 |
|---|---|---|
| Total assets | £443.5k | £440.8k |
| Current assets | £527.2k | £454.5k |
| Cash | £151.7k | £171.4k |
| Debtors | £375.5k | £283.1k |
| Net assets | £440.9k | £384.3k |
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
2
filings
- • 2 persons-with-significant-control
Last 180 days
3
filings
- • 2 persons-with-significant-control
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2026-03-31📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-03-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-01-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-20📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-16📄resolutionresolution · RESOLUTIONS
- 2025-07-16📄capital-name-of-class-of-sharescapital · SH08
- 2025-02-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-25📄resolutionresolution · RESOLUTIONS
- 2024-09-25📄capital-name-of-class-of-sharescapital · SH08
- 2024-02-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-02➕MCCUBBIN, Blair appointeddirector
- 2023-01-04📄capital-name-of-class-of-sharescapital · SH08
- 2022-12-30📄memorandum-articlesincorporation · MA
- 2022-12-30📄resolutionresolution · RESOLUTIONS
- 2022-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-29📄capital-allotment-sharescapital · SH01
- 2022-11-29📄capital-allotment-sharescapital · SH01
- 2022-11-29📄capital-allotment-sharescapital · SH01
- 2022-07-25📄memorandum-articlesincorporation · MA
- 2022-07-25📄resolutionresolution · RESOLUTIONS
- 2022-07-25📄capital-name-of-class-of-sharescapital · SH08
- 2016-06-01🔓Charge satisfied #1
- 2014-09-02➖MCGAUCHIE, Roslyn Jane resignedsecretary
- 2008-03-05➖MINTO, Paul resignedsecretary
- 2008-02-18🔒Charge registered #1Lender: Royal Bank of Scotland PLC
- 2008-01-02➕MCGAUCHIE, Roslyn Jane appointedsecretary
- 2003-08-08🏢Company incorporatedAs SMG FINANCIAL MANAGEMENT LIMITED
- 2003-08-08➕MCGAUCHIE, Shaun appointeddirector
- 2003-08-08➕MINTO, Paul appointedsecretary
- 2003-08-08➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2003-08-08➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
Owner dependency
76/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +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.
Succession & seller-readiness
76/100
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 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
cleanNo 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 |
|---|---|---|---|---|
Mrs Roslyn Jane Mcgauchie Individual · British · DOB 06/1971 · age 55 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 26/03/2026 |
Mr Shaun Mcgauchie Individual · British · DOB 08/1964 · age 62 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
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 →Similar companies
Active · Financial services · DG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BESPOKE HOME FINANCE LTD→ SC493767 · est 2014 | £193.7k £140.8k–£246.5k | — | — | 1 | 11y | 78 | 60y |
| DALBEATTIE FINANCE COMPANY LIMITED→ SC031300 · est 1956 · no financials extracted | — | — | — | — | 70y | 82 | 65y |
| HESTAN ASSET FINANCE LIMITED→ SC258322 · est 2003 | — | — | £950.9k | — | 22y | 80 | 68y |
| KENNEDY FINANCE LIMITED→ SC287955 · est 2005 | — | — | — | 100 | 20y | 80 | 65y |
| MARR FINANCIAL SERVICES LTD→ SC275449 · est 2004 | — | — | — | 4 | 21y | 80 | 66y |
| NYTHVA LTD→ SC057726 · est 1975 | — | — | £866.5k | — | 51y | 80 | 78y |
| ANNANDALE TRUSTEES LIMITED→ SC155060 · est 1994 | — | — | £1.1k | — | 31y | 79 | 65y |
| CARSPHAIRN RENEWABLE ENERGY FUND LIMITED→ SC359237 · est 2009 | — | — | — | 0 | 17y | 79 | 82y |
| NORMAN G. BLOUNT LIMITED→ SC058021 · est 1975 | — | — | — | 100 | 50y | 79 | 84y |
| SLFT LIMITED→ SC433548 · est 2012 | — | — | — | 0 | 13y | 79 | 78y |
| J & CO BROKERS LTD→ SC487325 · est 2014 | — | — | £8.4k | — | 11y | 78 | 64y |
| ARLA FOODS GP LIMITED→ SC550037 · est 2016 · no financials extracted | — | — | — | — | 9y | 77 | 64y |
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
Incorporated2003-08-08
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
First Floor Campbell House
Bankend Road
Dumfries
Dumfries & Galloway
DG1 4UQ
Filing status
Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2026-08-22
Last: 2025-08-08
Officers (2 active · 3 resigned)
MCCUBBIN, Blair→
Activedirector · ~36y · appointed 2023-03-02
View their other companies + combined net worth →
MCGAUCHIE, Shaun→
Activedirector · ~62y · appointed 2003-08-08
View their other companies + combined net worth →
MCGAUCHIE, Roslyn Jane→
Resignedsecretary · appointed 2008-01-02 · resigned 2014-09-02
MINTO, Paul→
Resignedsecretary · appointed 2003-08-08 · resigned 2008-03-05
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 2003-08-08 · resigned 2003-08-08
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 18/02/2008 | 01/06/2016 |
Recent filings (89 total)
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-03-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-12
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-20
change-person-director-company-with-change-date
officers · CH01
2025-08-20
resolution
resolution · RESOLUTIONS
2025-07-16
capital-name-of-class-of-shares
capital · SH08
2025-07-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-03
resolution
resolution · RESOLUTIONS
2024-09-25
capital-name-of-class-of-shares
capital · SH08
2024-09-25
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-14
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-08
appoint-person-director-company-with-name-date
officers · AP01
2023-03-07
capital-name-of-class-of-shares
capital · SH08
2023-01-04