JEMAL LIMITED

🌳Matureactive
SC331562 · ltd · incorporated 2007-09-28
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 18.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Licenced restaurants
Sector: Accommodation & food service
ALSO REGISTERED FOR
  • 56302Public houses and bars
Investor take
Pursue
Active trading company with a 62-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 62). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 18.6y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 18.6 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 (76/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
59 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
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£0Nov 2023Nov 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-11-302023-11-30
Average employees500500

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
0
filings
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-07-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-11-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2024-11-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2024-11-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2024-10-24
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2024-10-24
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2024-10-24
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2024-10-24
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2024-06-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2023-06-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2022-08-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2021-06-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2020-08-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2020-05-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2019-08-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2018-08-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2017-10-05
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  18. 2008-01-15
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  19. 2007-10-24
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  20. 2007-10-04
    ➕
    BASS, Martine appointed
    secretary
  21. 2007-09-28
    🏢
    Company incorporated
    As JEMAL LIMITED
  22. 2007-09-28
    ➕
    BASS, Elaine appointed
    director
  23. 2007-09-28
    ➕
    MORRISON, James Howie appointed
    director
  24. 2007-09-28
    ➕
    BRIAN REID LTD. appointed
    corporate-secretary
  25. 2007-09-28
    ➖
    BRIAN REID LTD. resigned
    corporate-secretary
  26. 2007-09-28
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-director
  27. 2007-09-28
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-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 19 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — 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
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Elaine Bass
Individual · British · DOB 02/1964 · age 62
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
James Howie Morrison
Individual · British · DOB 12/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2007-09-28
Jurisdictionscotland
Primary SIC56101 — Licenced restaurants

Registered office

26-30 Marine Place
Buckie
AB56 1UT
Scotland

Filing status

Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-10-12
Last: 2025-09-28

Officers (3 active · 2 resigned)

BASS, Martine→
secretary · appointed 2007-10-04
View their other companies + combined net worth →
Active
BASS, Elaine→
director · ~62y · appointed 2007-09-28
View their other companies + combined net worth →
Active
MORRISON, James Howie→
director · ~59y · appointed 2007-09-28
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-secretary · appointed 2007-09-28 · resigned 2007-09-28
Resigned
STEPHEN MABBOTT LTD.→
corporate-director · appointed 2007-09-28 · resigned 2007-09-28
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property15/01/2008—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property24/10/2007—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (59 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-09
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-10
change-person-director-company-with-change-date
officers · CH01
2024-11-12
change-person-director-company-with-change-date
officers · CH01
2024-11-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-24
change-person-director-company-with-change-date
officers · CH01
2024-10-24
change-person-director-company-with-change-date
officers · CH01
2024-10-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-24
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-23
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-18
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-31