LEGGATTS FINANCIAL SERVICES LIMITED

🌳Matureactive
SC255061 · ltd · incorporated 2003-08-29
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 Dec 2024
Net worth
£38.1k
book net assets
Opportunity
81/100
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 73-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 73). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (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
5 officers (4 active, 5 linked, 3 with DOB)
82
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
54 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £38,088

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£38k
↑ 2.0% YoY
Current Assets
£52k
↓ 8.1% YoY
Current Liabilities
—
£0£11k£23k£34k£45k£57kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£38.1k£37.3k
Current assets£52.3k£56.9k
Net assets£38.1k£37.3k

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. 2025-07-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-07-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-07-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-09-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-09-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2020-09-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2019-09-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-09-05
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2019-09-05
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2018-09-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2018-09-10
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  12. 2018-09-10
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  13. 2017-09-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-07-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2016-09-15
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2013-03-01
    ➕
    THOMPSON, Cara Jane appointed
    director
  17. 2003-08-29
    🏢
    Company incorporated
    As LEGGATTS FINANCIAL SERVICES LIMITED
  18. 2003-08-29
    ➕
    GRUBER, Elaine appointed
    secretary
  19. 2003-08-29
    ➕
    GRUBER, Elaine appointed
    director
  20. 2003-08-29
    ➕
    ILETT, Stephen George appointed
    director
  21. 2003-08-29
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  22. 2003-08-29
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary

Owner dependency

75/100
High — earn-out structure required

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

FACTORS
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 73 — succession pressure is live.

Succession & seller-readiness

90/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
  • 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
Mr Stephen George Ilett
Individual · British · DOB 11/1961 · age 65
25–50%
—25-50% shares06/04/2016
Mrs Elaine Gruber
Individual · British · DOB 07/1953 · age 73
25–50%
—25-50% shares06/04/2016

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 →

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CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
CHAPMAN OF INVERNESS LIMITED→
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———40087y8277y
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SC382862 · est 2010
——£1—15y8084y
BLACK DOG FINANCIAL SERVICES LTD.→
SC265100 · est 2004
——£61.1k—22y8071y
CAMPBELL & MCCONNACHIE LIMITED→
SC314177 · est 2007 · no financials extracted
————19y8063y
DALZIELS PRIVATE PERSONAL FINANCE LIMITED→
SC243222 · est 2003
——£142.9k—23y8061y
DUNDONNELL INVESTMENTS LIMITED→
SC226018 · est 2001
———10024y8082y
ELMBRAE MORTGAGE & PENSIONS LTD.→
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——£100.0k—22y8062y
HUTCHESON FINANCIAL SERVICES LIMITED→
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——£11.6k—17y8065y
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——£107.3k—19y8064y
MUNRO & NOBLE FINANCIAL SERVICES LIMITED→
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———024y8066y
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————44y8084y
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———025y8067y
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
Incorporated2003-08-29
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Kempfield Court
Dingwall
Ross-Shire
IV15 9RT

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-09-12
Last: 2025-08-29

Officers (4 active · 1 resigned)

GRUBER, Elaine→
secretary · appointed 2003-08-29
View their other companies + combined net worth →
Active
GRUBER, Elaine→
director · ~73y · appointed 2003-08-29
View their other companies + combined net worth →
Active
ILETT, Stephen George→
director · ~65y · appointed 2003-08-29
View their other companies + combined net worth →
Active
THOMPSON, Cara Jane→
director · ~46y · appointed 2013-03-01
View their other companies + combined net worth →
Active
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2003-08-29 · resigned 2003-08-29
Resigned

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

Recent filings (54 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-02
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-05
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-29
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-04
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-29
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-18
accounts-with-accounts-type-micro-entity
accounts · AA
2020-09-18
accounts-with-accounts-type-micro-entity
accounts · AA
2019-09-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-09-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2019-09-05