CAMERON FINANCIAL LIMITED

💤Zombieactive
SC329254 · ltd · incorporated 2007-08-14
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2024
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 59). 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 (73/100).

🏦

Refinance opportunity

1 live charge · oldest 16.2y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 16.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (1 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
45 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Aug 2023Aug 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-08-312023-08-31

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
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2025-06-09
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  2. 2024-06-25
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  3. 2023-05-28
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  4. 2022-06-19
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  5. 2021-04-08
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  6. 2021-04-07
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  7. 2021-04-06
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  8. 2020-05-29
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  9. 2019-05-17
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  10. 2018-06-08
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  11. 2017-05-18
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  12. 2016-03-28
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  13. 2015-08-30
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-05-30
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  15. 2010-04-23
    ➖
    JENKINS, Kevin resigned
    secretary
  16. 2010-04-23
    ➖
    JOLLY, Andrew Eric resigned
    director
  17. 2010-02-18
    🔒
    Charge registered #1
    Lender: Clydesdale Bank PLC
  18. 2009-09-23
    ➕
    JOLLY, Andrew Eric appointed
    director
  19. 2007-08-14
    🏢
    Company incorporated
    As CAMERON FINANCIAL LIMITED
  20. 2007-08-14
    ➕
    JENKINS, Grant Cameron appointed
    director
  21. 2007-08-14
    ➕
    JENKINS, Kevin appointed
    secretary

Owner dependency

93/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

78/100
Likely off-market candidate

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 19 years.
  • secondaryStable-but-static management: Company is 19 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Grant Cameron Jenkins
Individual · Scottish · DOB 03/1967 · age 59
75–100%
75–100%board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence06/04/2016

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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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
Incorporated2007-08-14
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

38 3/L 38 Whitehall Street
Dundee
DD1 4AF

Filing status

Accounts
Next due: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-11-22
Last: 2025-11-08

Officers (1 active · 2 resigned)

JENKINS, Grant Cameron→
director · ~59y · appointed 2007-08-14
View their other companies + combined net worth →
Active
JENKINS, Kevin→
secretary · appointed 2007-08-14 · resigned 2010-04-23
Resigned
JOLLY, Andrew Eric→
director · ~48y · appointed 2009-09-23 · resigned 2010-04-23
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC
Standard security1 property18/02/2010—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (45 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-19
accounts-with-accounts-type-dormant
accounts · AA
2025-06-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-08
accounts-with-accounts-type-dormant
accounts · AA
2024-06-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-20
accounts-with-accounts-type-dormant
accounts · AA
2023-05-28
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-25
accounts-with-accounts-type-dormant
accounts · AA
2022-06-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-22
gazette-filings-brought-up-to-date
gazette · DISS40
2021-04-08
accounts-with-accounts-type-dormant
accounts · AA
2021-04-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-07
gazette-notice-compulsory
gazette · GAZ1
2021-04-06
accounts-with-accounts-type-dormant
accounts · AA
2020-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-11-28