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.

Why now

Window steady · low confidence

Steady and stalled — no momentum either way. Needs an approach trigger.

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Aug 2025

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 16.4y

45/100

under pressure

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

· Oldest live charge is 16.4 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Distress signals active — lender appetite narrows.

Data confidence

Overall: high (87/100)

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

Company profile

address, 1 SIC codes, incorporation date

100

Financials

3 years of iXBRL accounts extracted + narrative notes parsed

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

3 officers (1 active, 3 linked, 2 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

7 connected companies via shared directors

Filing history

46 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

3 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-08-31	2024-08-31	2023-08-31

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (21 events)Click to expand

2026-05-29
📄
accounts-with-accounts-type-dormant
accounts · AA
2025-06-09
📄
accounts-with-accounts-type-dormant
accounts · AA
2024-06-25
📄
accounts-with-accounts-type-dormant
accounts · AA
2023-05-28
📄
accounts-with-accounts-type-dormant
accounts · AA
2022-06-19
📄
accounts-with-accounts-type-dormant
accounts · AA
2021-04-08
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2021-04-07
📄
accounts-with-accounts-type-dormant
accounts · AA
2021-04-06
📄
gazette-notice-compulsory
gazette · GAZ1
2020-05-29
📄
accounts-with-accounts-type-dormant
accounts · AA
2019-05-17
📄
accounts-with-accounts-type-dormant
accounts · AA
2018-06-08
📄
accounts-with-accounts-type-dormant
accounts · AA
2017-05-18
📄
accounts-with-accounts-type-dormant
accounts · AA
2016-03-28
📄
accounts-with-accounts-type-dormant
accounts · AA
2015-08-30
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2010-04-23
➖
JENKINS, Kevin resigned
secretary
2010-04-23
➖
JOLLY, Andrew Eric resigned
director
2010-02-18
🔒
Charge registered #1
Lender: Clydesdale Bank PLC
2009-09-23
➕
JOLLY, Andrew Eric appointed
director
2007-08-14
🏢
Company incorporated
As CAMERON FINANCIAL LIMITED
2007-08-14
➕
JENKINS, Grant Cameron appointed
director
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%

Name	Shares	Voting rights	Nature of control	Notified
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 influence	06/04/2016

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 →

Similar companies

Active · Financial services · DD postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
MGA FINANCIAL MANAGEMENT LIMITED→ SC189425 · est 1998	—	—	—	300	27y	82	63y
STUART GEARTY (INSURANCE SERVICES) LTD.→ SC195449 · est 1999	—	—	—	4	27y	82	87y
THE MORTGAGE FINANCE STORE LIMITED→ SC245264 · est 2003	—	—	£158.9k	—	23y	82	68y
MORTGAGE MANAGERS LIMITED→ SC375517 · est 2010	—	—	£19.1k	—	16y	81	63y
SCOTTISH CANADIAN TRUST. LIMITED→ SC006394 · est 1907	—	—	—	0	119y	81	84y
ANGUS M WATSON LTD.→ SC336578 · est 2008	—	—	£100.2k	—	18y	80	75y
COMMERCIAL RISK SOLUTIONS LTD→ SC368285 · est 2009	—	—	—	100	16y	80	63y
FORTH FINANCIAL SERVICES (FIFE) LIMITED→ SC241029 · est 2002	—	—	—	300	23y	80	74y
GLENABER LIMITED→ SC242360 · est 2003	—	—	£1.02M	—	23y	80	68y
HILLEROD LIMITED→ SC127178 · est 1990	—	—	£2	—	35y	80	74y
INTELLIGENT MORTGAGE SERVICES LIMITED→ SC241484 · est 2002	—	—	£100.3k	—	23y	80	59y
LAND MANAGEMENT (SCOTLAND) LTD.→ SC250200 · est 2003	—	—	£438.7k	—	23y	80	59y

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: 2027-05-31

Last made up to: 2025-08-31

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

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	Virgin Money Clydesdale Bank PLC	Standard security	1 property	18/02/2010	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (46 total)

accounts-with-accounts-type-dormant

accounts · AA

2026-05-29

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