ASSET & GENERAL FINANCE LTD

🌳Matureactive
SC308532 · ltd · incorporated 2006-09-13
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 Sept 2024
Net worth
£1.6k
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 63-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. 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.

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
11 officers (2 active, 11 linked, 7 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
67 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
85
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £1,565
Net assets shrinking
Down £16,879 YoY
Cash YoY
+56%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£39k
↑ 56% YoY
Net Worth
£2k
↓ 92% YoY
Current Assets
£67k
↑ 8.2% YoY
Current Liabilities
—
£0£13k£27k£40k£53k£67kSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-09-302023-09-30
Total assets£1.6k£18.4k
Current assets£66.7k£61.6k
Cash£39.4k£25.3k
Debtors£27.3k£36.3k
Net assets£1.6k£18.4k

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
0
filings
Last 180 days
1
filing
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
  1. 2025-11-10
    ➕
    WILSON, Charles James appointed
    director
  2. 2025-11-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  3. 2025-08-26
    ➖
    LARSON, Gordon resigned
    director
  4. 2025-08-26
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2025-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2025-06-25
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2024-05-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2024-05-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2024-03-13
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  10. 2023-06-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-07-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2022-07-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2022-06-30
    ➖
    ANGUS, James resigned
    director
  14. 2022-06-30
    ➕
    LARSON, Gordon appointed
    director
  15. 2022-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2021-06-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2020-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2019-08-29
    ➕
    ANGUS, James appointed
    director
  19. 2019-08-29
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  20. 2019-08-01
    📄
    resolution
    resolution · RESOLUTIONS
  21. 2019-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2019-06-17
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  23. 2013-10-01
    ➖
    ANGUS, James resigned
    director
  24. 2010-09-30
    ➖
    MCARTHUR, Jo-Anne, Mrs. resigned
    secretary
  25. 2010-08-19
    ➖
    BRENARD, Lee Christian resigned
    director
  26. 2010-06-02
    ➖
    DONNELL, Alison resigned
    director
  27. 2008-12-09
    ➕
    BRENARD, Lee Christian appointed
    director
  28. 2007-06-12
    ➕
    ANGUS, James appointed
    director
  29. 2007-06-12
    ➕
    DONNELL, Alison appointed
    director
  30. 2006-09-13
    🏢
    Company incorporated
    As ASSET & GENERAL FINANCE LTD
  31. 2006-09-13
    ➕
    MCARTHUR, Mark Craig appointed
    director
  32. 2006-09-13
    ➕
    MCARTHUR, Jo-Anne, Mrs. appointed
    secretary
  33. 2006-09-13
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-secretary
  34. 2006-09-13
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-secretary
  35. 2006-09-13
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-director
  36. 2006-09-13
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-director
  37. 2006-09-13
    ➕
    PETER TRAINER CORPORATE SERVICES LTD. appointed
    corporate-nominee-director
  38. 2006-09-13
    ➖
    PETER TRAINER CORPORATE SERVICES LTD. resigned
    corporate-nominee-director

Owner dependency

76/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

69/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 20 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Mark Craig Mcarthur
Individual · British · DOB 04/1963 · age 63
75–100%
—75-100% shares01/05/2016

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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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
Incorporated2006-09-13
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

3rd Floor, Queens House 24 Henderson Street
Bridge Of Allan
Stirling
FK9 4HP
Scotland

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-09-27
Last: 2025-09-13

Officers (2 active · 9 resigned)

MCARTHUR, Mark Craig→
director · ~63y · appointed 2006-09-13
View their other companies + combined net worth →
Active
WILSON, Charles James→
director · ~49y · appointed 2025-11-10
View their other companies + combined net worth →
Active
MCARTHUR, Jo-Anne, Mrs.→
secretary · appointed 2006-09-13 · resigned 2010-09-30
Resigned
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-secretary · appointed 2006-09-13 · resigned 2006-09-13
Resigned
ANGUS, James→
director · ~72y · appointed 2019-08-29 · resigned 2022-06-30
Resigned
ANGUS, James→
director · ~72y · appointed 2007-06-12 · resigned 2013-10-01
Resigned
BRENARD, Lee Christian→
director · ~52y · appointed 2008-12-09 · resigned 2010-08-19
Resigned
DONNELL, Alison→
director · ~71y · appointed 2007-06-12 · resigned 2010-06-02
Resigned
LARSON, Gordon→
director · ~40y · appointed 2022-06-30 · resigned 2025-08-26
Resigned
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-director · appointed 2006-09-13 · resigned 2006-09-13
Resigned
PETER TRAINER CORPORATE SERVICES LTD.→
corporate-nominee-director · appointed 2006-09-13 · resigned 2006-09-13
Resigned

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

Recent filings (67 total)

appoint-person-director-company-with-name-date
officers · AP01
2025-11-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-18
termination-director-company-with-name-termination-date
officers · TM01
2025-08-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-05-01
certificate-change-of-name-company
change-of-name · CERTNM
2024-03-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-27
termination-director-company-with-name-termination-date
officers · TM01
2022-07-06
appoint-person-director-company-with-name-date
officers · AP01
2022-07-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-30