BLACK DOG FINANCIAL SERVICES LTD.

🌳Matureactive
SC265100 · ltd · incorporated 2004-03-18
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 Aug 2025
Net worth
£61.1k
book net assets
Opportunity
80/100
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 71-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 71). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
68 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 £61,058
Cash YoY
-6%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£90k
↓ 6.1% YoY
Net Worth
£61k
↑ 2.3% YoY
Current Assets
£102k
↓ 4.9% YoY
Current Liabilities
—
£0£22k£43k£65k£86k£108kAug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-08-312024-08-31
Total assets£63.1k£61.3k
Current assets£102.3k£107.7k
Cash£89.9k£95.8k
Debtors£12.4k£11.8k
Net assets£61.1k£59.7k

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
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2025-10-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-07-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-07-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2025-07-14
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  5. 2024-10-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-10-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-04-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-04-06
    ➖
    HOGG, Angus John resigned
    director
  9. 2023-04-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2022-05-30
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2021-10-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-10-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-10-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-10-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-10-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2004-03-18
    🏢
    Company incorporated
    As BLACK DOG FINANCIAL SERVICES LTD.
  17. 2004-03-18
    ➕
    CHAPPELL, George David appointed
    secretary
  18. 2004-03-18
    ➕
    CHAPPELL, George David appointed
    director
  19. 2004-03-18
    ➕
    PENNY, Richard Miles appointed
    director
  20. 2004-03-18
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  21. 2004-03-18
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  22. 2004-03-18
    ➕
    HOGG, Angus John appointed
    director
  23. 2004-03-18
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  24. 2004-03-18
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

83/100
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.
  • +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

96/100
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 71 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 22 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

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Richard Miles Penny
Individual · British · DOB 05/1964 · age 62
25–50%
—25-50% shares01/07/2016
Mr Angus John Hogg
Individual · British · DOB 01/1955 · age 71
25–50%
—25-50% shares01/07/2016
Mr George David Chappell
Individual · British · DOB 05/1955 · age 71
25–50%
—25-50% shares01/07/2016

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

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————19y8063y
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———10024y8082y
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——£100.0k—22y8062y
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——£107.3k—19y8064y
MUNRO & NOBLE FINANCIAL SERVICES LIMITED→
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———024y8066y
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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
Incorporated2004-03-18
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

15 Spey Crescent
Fochabers
IV32 7QN
Scotland

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2027-04-02
Last: 2026-03-19

Officers (3 active · 3 resigned)

CHAPPELL, George David→
secretary · appointed 2004-03-18
View their other companies + combined net worth →
Active
CHAPPELL, George David→
director · ~71y · appointed 2004-03-18
View their other companies + combined net worth →
Active
PENNY, Richard Miles→
director · ~62y · appointed 2004-03-18
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2004-03-18 · resigned 2004-03-18
Resigned
HOGG, Angus John→
director · ~71y · appointed 2004-03-18 · resigned 2023-04-06
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2004-03-18 · resigned 2004-03-18
Resigned

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

Recent filings (68 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-14
change-person-director-company-with-change-date
officers · CH01
2025-07-14
change-person-secretary-company-with-change-date
officers · CH03
2025-07-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-01
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-10
termination-director-company-with-name-termination-date
officers · TM01
2023-04-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-31