STONEFIELD FINANCIAL SERVICES LTD
💤Zombieactive
SC436450 · ltd · incorporated 2012-11-08
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (77/100)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 (2 active, 5 linked, 4 with DOB)
86
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 100 | 100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
3
filings
- • 2 persons-with-significant-control
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2025-11-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-07-01➖MCCLYMONT, Sharon Anne resigneddirector
- 2025-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-06-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-03-10📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2015-12-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2015-12-14➕GOOD, Jonathan Richard appointeddirector
- 2015-12-14➖GOOD, Richard Baird resigneddirector
- 2015-02-03➖GOOD, Elsie Taylor resigneddirector
- 2015-02-03➕GOOD, Richard Baird appointeddirector
- 2015-02-03➕MCCLYMONT, Sharon Anne appointeddirector
- 2012-11-08🏢Company incorporatedAs STONEFIELD FINANCIAL SERVICES LTD
- 2012-11-08➕GOOD, Vanessa appointedsecretary
- 2012-11-08➕GOOD, Elsie Taylor appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Elsie Taylor Good Individual · British · DOB 10/1953 · age 73 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 01/11/2016 |
Mr Jonathan Richard Good Individual · British · DOB 07/1978 · age 48 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/11/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CHRISTIE FINANCIAL PLANNING LIMITED→ SC189743 · est 1998 | — | — | £162.2k | — | 27y | 82 | 65y |
| JFX TRADING NETWORK LTD→ SC847676 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| MONARCHIA (AESTHETICS AND SAFETY) CONSULTANCY LTD→ SC801508 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| NICHOLSON WEALTH LIMITED→ SC835235 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ONE INGRAM FINANCE LTD→ SC555330 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| PELICAN FINANCE LIMITED→ SC521621 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| PRM FINANCIAL SERVICES LIMITED→ SC544185 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| SILVERBURN INVESTMENTS LIMITED→ SC362017 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| SIMPLY BROKERING LTD→ SC662456 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| SM30 GROUP LTD→ SC842520 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| SPECIAL PENSION TRUSTEE LTD→ SC876253 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| STOCKINGBRIDGE LTD→ SC475908 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated2012-11-08
Jurisdictionscotland
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Registered office
42 Newmarket Street
Ayr
KA7 1LR
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-22
Last: 2025-11-08
Officers (2 active · 3 resigned)
Active
GOOD, Jonathan Richard→
Activedirector · ~48y · appointed 2015-12-14
View their other companies + combined net worth →
GOOD, Elsie Taylor→
Resigneddirector · ~73y · appointed 2012-11-08 · resigned 2015-02-03
GOOD, Richard Baird→
Resigneddirector · ~74y · appointed 2015-02-03 · resigned 2015-12-14
MCCLYMONT, Sharon Anne→
Resigneddirector · ~62y · appointed 2015-02-03 · resigned 2025-07-01
Click a director name to see their full track record across all companies.
Recent filings (36 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-17
termination-director-company-with-name-termination-date
officers · TM01
2025-07-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-16