GMB PORTFOLIO SERVICES LTD.

🌳Matureactive
SC429149 · ltd · incorporated 2012-07-26
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 5.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£727.8k
book net assets
Opportunity
66/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Special-situation opportunity
Distressed financial-services with salvageable qualities — special-situations priority.

Opportunity 66/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

1 live charge · oldest 5.2y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 5.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (83/100)

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
6 officers (2 active, 6 linked, 5 with DOB)
87
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
66/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £727,785
Cash YoY
-5%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£576k
↓ 4.9% YoY
Net Worth
£728k
↑ 33% YoY
Current Assets
£804k
↓ 4.0% YoY
Current Liabilities
—
£0£167k£335k£502k£670k£837kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-06-302024-06-30
Total assets£728.5k£547.4k
Current assets£803.7k£837.5k
Cash£576.3k£606.2k
Debtors£3.9k£7.0k
Net assets£727.8k£547.4k

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
2
filings
  • • 1 persons-with-significant-control
  • • 1 mortgage
Last 180 days
3
filings
  • • 1 persons-with-significant-control
  • • 1 mortgage
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2026-03-25
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  2. 2026-02-23
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2026-02-23
    🔓
    Charge satisfied #1
  4. 2026-01-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2025-10-15
    📄
    resolution
    resolution · RESOLUTIONS
  6. 2025-10-03
    📄
    capital-allotment-shares
    capital · SH01
  7. 2025-10-01
    📄
    capital-name-of-class-of-shares
    capital · SH08
  8. 2025-01-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2024-03-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2023-03-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2023-03-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2022-10-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2022-03-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2021-08-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2021-08-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  16. 2021-03-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2021-03-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2021-02-26
    🔒
    Charge registered #1
    Lender: The Jim Mcilwaine Financial Mgm Partnership
  19. 2020-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2019-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2015-02-16
    ➖
    GIBSON, Gary resigned
    director
  22. 2012-07-26
    🏢
    Company incorporated
    As GMB PORTFOLIO SERVICES LTD.
  23. 2012-07-26
    ➕
    BLACKLEY, Michael appointed
    director
  24. 2012-07-26
    ➕
    HEMMINGS, Brian Alexander appointed
    director
  25. 2012-07-26
    ➕
    TRAINER, Peter appointed
    secretary
  26. 2012-07-26
    ➖
    TRAINER, Peter resigned
    secretary
  27. 2012-07-26
    ➕
    GIBSON, Gary appointed
    director
  28. 2012-07-26
    ➕
    MCINTOSH, Susan appointed
    director
  29. 2012-07-26
    ➖
    MCINTOSH, Susan resigned
    director
  30. 2012-07-26
    ➕
    TRAINER, Peter appointed
    director
  31. 2012-07-26
    ➖
    TRAINER, Peter resigned
    director

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

44/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 14 years.

Red flags

1 high ·
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-03-26

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Michael Blackley
Individual · British · DOB 02/1984 · age 42
25–50%
25–50%25-50% shares · 25-50% voting26/07/2016
Mr Brian Alexander Hemmings
Individual · British · DOB 08/1980 · age 46
25–50%
25–50%25-50% shares · 25-50% voting26/07/2016
1 historic (ceased) PSC
  • Mr Brian Alexander Hemmingsceased 12/03/2026· 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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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
Incorporated2012-07-26
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Hudson House 8
Albany Street
Edinburgh
EH1 3QB

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-03-26OVERDUE
Last: 2025-03-12

Officers (2 active · 4 resigned)

BLACKLEY, Michael→
director · ~42y · appointed 2012-07-26
View their other companies + combined net worth →
Active
HEMMINGS, Brian Alexander→
director · ~46y · appointed 2012-07-26
View their other companies + combined net worth →
Active
TRAINER, Peter→
secretary · appointed 2012-07-26 · resigned 2012-07-26
Resigned
GIBSON, Gary→
director · ~48y · appointed 2012-07-26 · resigned 2015-02-16
Resigned
MCINTOSH, Susan→
director · ~56y · appointed 2012-07-26 · resigned 2012-07-26
Resigned
TRAINER, Peter→
director · ~74y · appointed 2012-07-26 · resigned 2012-07-26
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
The Jim Mcilwaine Financial Mgm Partnership
A registered charge—26/02/202123/02/2026

Recent filings (49 total)

cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-25
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-16
resolution
resolution · RESOLUTIONS
2025-10-15
capital-allotment-shares
capital · SH01
2025-10-03
capital-name-of-class-of-shares
capital · SH08
2025-10-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-04
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-23
change-person-director-company-with-change-date
officers · CH01
2023-03-23
change-person-director-company-with-change-date
officers · CH01
2023-03-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-25
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-23