A G FINANCE (SCOTLAND) LIMITED
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | — | £2.76M |
| Current assets | — | £3.49M |
| Cash | — | £828.9k |
| Debtors | — | £2.66M |
| Net assets | — | £2.76M |
| Average employees | 11 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (20 events)Click to expand
- 2025-11-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-13📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-01-31➖GLOVER, Maureen Mary Craig resignedsecretary
- 2024-12-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-04-04📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-04-04📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-01-16📄capital-cancellation-sharescapital · SH06
- 2023-12-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-22📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-12-07📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-12-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-12-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-11-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2005-03-14🏢Company incorporatedAs A G FINANCE (SCOTLAND) LIMITED
- 2005-03-14➕GLOVER, Andrew Howie appointeddirector
- 2005-03-14➕GLOVER, Maureen Mary Craig appointedsecretary
- 2005-03-14➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2005-03-14➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 21 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
cleanGroup structure
Kamms Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Kamms Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 05/01/2024 |
2 historic (ceased) PSCs
- Mr Andrew Howie Gloverceased 05/01/2024· 25-50% shares
- Mrs Maureen Mary Craig Gloverceased 05/01/2024· 25-50% shares
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.
See pricing →Similar companies
Active · Financial services · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CHRISTIE FINANCIAL PLANNING LIMITED→ SC189743 · est 1998 | — | — | £162.2k | — | 27y | 82 | 65y |
| JMC FINANCIAL SERVICES LIMITED→ SC245180 · est 2003 | — | — | £17.1k | — | 23y | 82 | 58y |
| KEN BINNIE FINANCIAL LIMITED→ SC244778 · est 2003 | — | — | £253 | — | 23y | 82 | 66y |
| PACIFIC SHELF 1272 LIMITED→ SC267459 · est 2004 | — | — | — | 1 | 21y | 82 | 77y |
| ACMCA LIMITED→ SC234784 · est 2002 | — | — | £19.7k | — | 23y | 80 | 71y |
| ALAN R. MACKAY & COMPANY LIMITED→ SC114821 · est 1988 | — | — | — | 37 | 37y | 80 | 58y |
| AYRSHIRE FINANCIAL SERVICES LTD.→ SC209344 · est 2000 | — | — | £85.3k | — | 25y | 80 | 60y |
| B.P.D. SOLUTIONS LTD→ SC396317 · est 2011 | — | — | £2 | — | 15y | 80 | 66y |
| DAVID MUNRO FINANCIAL SERVICES LIMITED→ SC350315 · est 2008 | — | — | £47.9k | — | 17y | 80 | 62y |
| MONARCHIA (AESTHETICS AND SAFETY) CONSULTANCY LTD→ SC801508 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| NICHOLSON WEALTH LIMITED→ SC835235 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ONE INGRAM FINANCE LTD→ SC555330 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
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 →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 (1 active · 2 resigned)
Click a director name to see their full track record across all companies.