J.J.C. TRAVEL LIMITED
- · Oldest live charge 18.9y old — refinance window within 12 months
Opportunity 78/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
1 live charge · oldest 18.9y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 18.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £319.5k | £151.7k |
| Current assets | £107.2k | £95.4k |
| Net assets | £103.5k | £56.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 confirmation-statement
- • 1 persons-with-significant-control
- • 1 confirmation-statement
- • 1 persons-with-significant-control
- • 1 accounts
Corporate timeline (31 events)Click to expand
- 2026-03-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-12-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-30📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-10-12📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2024-04-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-16✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2023-07-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-06-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-08-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-09-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-09-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-09-01➕MACDONALD, Claire appointeddirector
- 2019-07-16➖MACDONALD, Wiliamina Keddie resignedsecretary
- 2019-07-16📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2011-08-01➖MACDONALD, Williamina Keddie resigneddirector
- 2011-07-12➖MACDONALD, Kelly resignedsecretary
- 2011-07-12➖MACDONALD, Kelly resigneddirector
- 2011-07-11➕MACDONALD, Wiliamina Keddie appointedsecretary
- 2007-06-20🔒Charge registered #1Lender: Lloyds Tsb Scotland PLC
- 2004-10-28➕MACDONALD, William appointeddirector
- 2004-09-07🏢Company incorporatedAs J.J.C. TRAVEL LIMITED
- 2004-09-07➕MACDONALD, Kelly appointedsecretary
- 2004-09-07➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2004-09-07➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 2004-09-07➕MACDONALD, Kelly appointeddirector
- 2004-09-07➕MACDONALD, Williamina Keddie appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Claire Baille Macdonald Individual · British · DOB 06/1982 · age 44 | 25–50% | — | 25-50% shares | 01/09/2020 |
Mr William Macdonald Individual · British · DOB 09/1976 · age 50 | 25–50% | — | 25-50% shares | 01/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (2 active · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Bond & floating charge | 1 property | 20/06/2007 | — |