ANDY JOHNSTON FINANCIAL LTD

⚰️Wound downdissolved
SC469322 · ltd · incorporated 2014-02-06
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
60/100
Worth a look
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed unclear — structural issues outweigh the discount.

Opportunity 60/100 (worth a look), bankability 70/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (56/100)

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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
38 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
60/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
30
Concerning — overdue filings or status flags present.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.

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 (24 events)Click to expand
  1. 2024-02-06
    📄
    gazette-dissolved-voluntary
    gazette · GAZ2(A)
  2. 2024-02-06
    🏁
    Company dissolved
  3. 2023-11-21
    📄
    gazette-notice-voluntary
    gazette · GAZ1(A)
  4. 2023-11-14
    📄
    dissolution-application-strike-off-company
    dissolution · DS01
  5. 2023-10-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-05-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2022-08-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-10-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-08-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-03-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2018-08-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2018-08-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2018-08-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2018-08-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  16. 2018-08-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2018-08-09
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  18. 2018-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2018-05-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  20. 2018-02-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  21. 2014-02-06
    🏢
    Company incorporated
    As ANDY JOHNSTON FINANCIAL LTD
  22. 2014-02-06
    ➕
    JOHNSTON, Andrew Gair appointed
    secretary
  23. 2014-02-06
    ➕
    JOHNSTON, Andrew Gair appointed
    director
  24. 2014-02-06
    ➕
    JOHNSTON, Elaine Mary 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 "JOHNSTON" — strong identity link between founder and business.
  • +Founder age: Director aged approximately 68 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

69/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 68. 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 12 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 high ·
Company dissolved
high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2024-02-06

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Andrew Gair Johnston
Individual · British · DOB 02/1958 · age 68
50–75%
50–75%board control50-75% shares · 50-75% voting · board control06/04/2016
Mrs Elaine Mary Johnston
Individual · British · DOB 04/1969 · age 57
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.

🔒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 →

Similar companies

Active · Financial services · IV postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
CHAPMAN OF INVERNESS LIMITED→
SC020899 · est 1939
———40087y8277y
LEGGATTS FINANCIAL SERVICES LIMITED→
SC255061 · est 2003
——£38.1k—22y8173y
ARGYLL TRUSTEES LIMITED→
SC382862 · est 2010
——£1—15y8084y
BLACK DOG FINANCIAL SERVICES LTD.→
SC265100 · est 2004
——£61.1k—22y8071y
CAMPBELL & MCCONNACHIE LIMITED→
SC314177 · est 2007 · no financials extracted
————19y8063y
DALZIELS PRIVATE PERSONAL FINANCE LIMITED→
SC243222 · est 2003
——£142.9k—23y8061y
DUNDONNELL INVESTMENTS LIMITED→
SC226018 · est 2001
———10024y8082y
ELMBRAE MORTGAGE & PENSIONS LTD.→
SC265582 · est 2004
——£100.0k—22y8062y
HUTCHESON FINANCIAL SERVICES LIMITED→
SC352018 · est 2008
——£11.6k—17y8065y
MACKENZIE TAYLOR WEALTH MANAGEMENT LTD.→
SC313079 · est 2006
——£107.3k—19y8064y
MUNRO & NOBLE FINANCIAL SERVICES LIMITED→
SC227417 · est 2002
———024y8066y
NORTHWAY FINANCE LIMITED→
SC075393 · est 1981 · no financials extracted
————44y8084y
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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

Statusdissolved
Typeltd
Incorporated2014-02-06
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

52 Redwood Avenue
Inverness
Inverness-Shire
IV2 6HA
Scotland

Filing status

Accounts
Next due: —
Last made up to: 2023-03-31
Confirmation statement
Next due: —
Last: —

Officers (0 active · 0 resigned)

JOHNSTON, Andrew Gair→
secretary · appointed 2014-02-06
View their other companies + combined net worth →
Active
JOHNSTON, Andrew Gair→
director · ~68y · appointed 2014-02-06
View their other companies + combined net worth →
Active
JOHNSTON, Elaine Mary→
director · ~57y · appointed 2014-02-06
View their other companies + combined net worth →
Active

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

Recent filings (38 total)

gazette-dissolved-voluntary
gazette · GAZ2(A)
2024-02-06
gazette-notice-voluntary
gazette · GAZ1(A)
2023-11-21
dissolution-application-strike-off-company
dissolution · DS01
2023-11-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-05-23
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-22
confirmation-statement-with-updates
confirmation-statement · CS01
2022-02-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-28
confirmation-statement-with-updates
confirmation-statement · CS01
2021-02-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-07
confirmation-statement-with-updates
confirmation-statement · CS01
2020-02-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-08-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2019-03-05
confirmation-statement-with-updates
confirmation-statement · CS01
2019-02-06