HUTCHESON FINANCIAL SERVICES LIMITED

🌳Matureactive
SC352018 · ltd · incorporated 2008-12-02
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 Dec 2024
Net worth
£11.6k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 65-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (78/100)

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
5 officers (3 active, 5 linked, 3 with DOB)
82
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
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 declared
Positive net assets
Net assets £11,645
Net assets shrinking
Down £2,465 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£12k
↓ 17% YoY
Current Assets
£14k
↓ 31% YoY
Current Liabilities
—
£0£4k£8k£12k£16k£20kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£29.7k£35.5k
Current assets£13.9k£20.1k
Net assets£11.6k£14.1k

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 (23 events)Click to expand
  1. 2025-09-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-09-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-09-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-09-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-12-02
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  6. 2021-09-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-10-28
    📄
    capital-allotment-shares
    capital · SH01
  8. 2020-09-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-09-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-09-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2016-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2015-12-03
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-09-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2014-12-04
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2008-12-15
    ➕
    HUTCHESON, Sharron Anne appointed
    secretary
  17. 2008-12-15
    ➕
    HUTCHESON, Ian Forbes appointed
    director
  18. 2008-12-15
    ➕
    HUTCHESON, Sharron Anne appointed
    director
  19. 2008-12-15
    ➖
    BAIN, Steven James resigned
    nominee-secretary
  20. 2008-12-15
    ➖
    YOUNG, William Leith resigned
    director
  21. 2008-12-02
    🏢
    Company incorporated
    As HUTCHESON FINANCIAL SERVICES LIMITED
  22. 2008-12-02
    ➕
    BAIN, Steven James appointed
    nominee-secretary
  23. 2008-12-02
    ➕
    YOUNG, William Leith appointed
    director

Owner dependency

100/100
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
  • +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 "HUTCHESON" — 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 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

79/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. 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 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

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
NameSharesVoting rightsNature of controlNotified
Mr Ian Forbes Hutcheson
Individual · British · DOB 02/1965 · age 61
25–50%
—25-50% shares06/04/2016
1 historic (ceased) PSC
  • Mrs Sharron Anne Hutchesonceased 15/10/2020· 25-50% shares

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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CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
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———40087y8277y
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——£38.1k—22y8173y
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——£1—15y8084y
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——£61.1k—22y8071y
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SC314177 · est 2007 · no financials extracted
————19y8063y
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SC243222 · est 2003
——£142.9k—23y8061y
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———10024y8082y
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——£100.0k—22y8062y
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——£107.3k—19y8064y
MUNRO & NOBLE FINANCIAL SERVICES LIMITED→
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———024y8066y
NORTHWAY FINANCE LIMITED→
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————44y8084y
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———025y8067y
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
Incorporated2008-12-02
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

28 High Street
Nairn
Highland
IV12 4AU

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-16
Last: 2025-12-02

Officers (3 active · 2 resigned)

HUTCHESON, Sharron Anne→
secretary · appointed 2008-12-15
View their other companies + combined net worth →
Active
HUTCHESON, Ian Forbes→
director · ~61y · appointed 2008-12-15
View their other companies + combined net worth →
Active
HUTCHESON, Sharron Anne→
director · ~65y · appointed 2008-12-15
View their other companies + combined net worth →
Active
BAIN, Steven James→
nominee-secretary · appointed 2008-12-02 · resigned 2008-12-15
Resigned
YOUNG, William Leith→
director · ~73y · appointed 2008-12-02 · resigned 2008-12-15
Resigned

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
2025-12-18
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-02
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-04
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-05
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-28
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2021-12-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-02
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-24
confirmation-statement-with-updates
confirmation-statement · CS01
2021-01-05
capital-allotment-shares
capital · SH01
2020-10-28
accounts-with-accounts-type-micro-entity
accounts · AA
2020-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-12-02