STEWART FINANCIAL MANAGEMENT LIMITED
🌳Matureactive
SC351883 · ltd · incorporated 2008-11-27
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£27.0k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
PursueAsset-holding vehicle with a 72-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 72). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
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, 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
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
46 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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £27,030
Cash YoY
+91%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£62k
↑ 91% YoY
Net Worth
£27k
↑ 10139% YoY
Current Assets
£97k
↑ 57% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £78.1k | £55.9k |
| Current assets | £96.9k | £61.6k |
| Cash | £62.0k | £32.4k |
| Debtors | £35.0k | £29.2k |
| Net assets | £27.0k | £264 |
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
4
filings
- • 3 persons-with-significant-control
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2025-12-31📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-31📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-31📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-26📄change-person-secretary-company-with-change-dateofficers · CH03
- 2019-08-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-12-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-12-21📄change-person-director-company-with-change-dateofficers · CH01
- 2018-08-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-08-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2008-11-27🏢Company incorporatedAs STEWART FINANCIAL MANAGEMENT LIMITED
- 2008-11-27➕LOUDEN, Julie Powell appointedsecretary
- 2008-11-27➕STEWART, Gordon appointeddirector
- 2008-11-27➕THOMSON, Howie John appointeddirector
Owner dependency
98/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "STEWART" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 72 — succession pressure is live.
Succession & seller-readiness
89/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 17 years.
- secondaryStable-but-static management: Company is 17 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
cleanNo 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 Gordon Stewart Individual · British · DOB 01/1954 · age 72 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
2 historic (ceased) PSCs
- Mr Howie John Thomsonceased 30/11/2025· significant influence
- Ms Julie Powell Bolandceased 30/11/2025· significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Trade services · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| SYCAMOWER LAWNS GARDEN MAINTENANCE LIMITED→ SC728000 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| TABROWSANDBEAUTY LTD→ SC878709 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| TALA CAR WASH LTD→ SC679962 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| TAMANI LTD→ SC614492 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| TARGETED TRAINING SOLUTIONS LIMITED→ SC585585 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| TARTAN GRASS LTD→ SC798696 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| TAYLOR SCOTLAND LIMITED→ SC420202 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| TB PROPERTY MAINTENANCE LTD→ SC493573 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| TC LANDSCAPING & BUILDING LTD→ SC708808 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| TEASEL SERVICES LTD→ SC555401 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| TECH REPAIRS GLASGOW LTD→ SC846487 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| TECHNICAL & ESTIMATING SERVICES LTD→ SC602372 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2008-11-27
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.
Registered office
2 Woodside Place
Glasgow
G3 7QF
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-12-11
Last: 2025-11-27
Officers (3 active · 0 resigned)
LOUDEN, Julie Powell→
Activesecretary · appointed 2008-11-27
View their other companies + combined net worth →
STEWART, Gordon→
Activedirector · ~72y · appointed 2008-11-27
View their other companies + combined net worth →
THOMSON, Howie John→
Activedirector · ~70y · appointed 2008-11-27
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (46 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-05
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-31
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-31
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-30
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-30
confirmation-statement-with-updates
confirmation-statement · CS01
2021-01-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-30