BESPOKE HOME FINANCE LTD

💤Zombieactive

SC493767 · ltd · incorporated 2014-12-19

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.

Why now

Window steady · low confidence

Steady and stalled — no momentum either way. Needs an approach trigger.

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2025

Net worth

—

book net assets

Opportunity

78/100

Strong

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What this business does

Primary activity: Activities of mortgage finance companies

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (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: share sale to pe / searcher (73/100).

Data confidence

Overall: high (80/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

1 officers (1 active, 1 linked, 1 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

2 connected companies via shared directors

Filing history

29 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

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	2025-12-31	2024-12-31
Average employees	1	100

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

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (17 events)Click to expand

2026-03-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-19
📄
change-person-director-company-with-change-date
officers · CH01
2023-08-23
📄
change-person-director-company-with-change-date
officers · CH01
2023-08-23
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-05-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-09
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-06-01
📄
resolution
resolution · RESOLUTIONS
2020-02-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-03-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-04-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-04-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2014-12-19
🏢
Company incorporated
As BESPOKE HOME FINANCE LTD
2014-12-19
➕
MCQUISTIN, James Marshall appointed
director

Owner dependency

88/100

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

+Sole director: Only one active director — all governance concentrated on one person.
+Senior director age: Director aged approximately 60 — approaching natural succession window.
+No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

60/100

Strong succession signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
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

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 · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr James Marshall Mcquistin Individual · British · DOB 08/1966 · age 60	75–100%	75–100%	75-100% shares · 75-100% voting	30/06/2016

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 · DG postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
SMG FINANCIAL MANAGEMENT LIMITED→ SC254010 · est 2003	—	—	£440.9k	—	22y	83	62y
DALBEATTIE FINANCE COMPANY LIMITED→ SC031300 · est 1956 · no financials extracted	—	—	—	—	70y	82	65y
HESTAN ASSET FINANCE LIMITED→ SC258322 · est 2003	—	—	£950.9k	—	22y	80	68y
KENNEDY FINANCE LIMITED→ SC287955 · est 2005	—	—	—	100	20y	80	65y
MARR FINANCIAL SERVICES LTD→ SC275449 · est 2004	—	—	—	4	21y	80	66y
NYTHVA LTD→ SC057726 · est 1975	—	—	£866.5k	—	51y	80	78y
THOMSON MORTGAGES LIMITED→ SC274997 · est 2004	—	—	£15.9k	—	21y	80	62y
ANNANDALE TRUSTEES LIMITED→ SC155060 · est 1994	—	—	£1.1k	—	31y	79	65y
CARSPHAIRN RENEWABLE ENERGY FUND LIMITED→ SC359237 · est 2009	—	—	—	0	17y	79	82y
NORMAN G. BLOUNT LIMITED→ SC058021 · est 1975	—	—	—	100	50y	79	84y
SLFT LIMITED→ SC433548 · est 2012	—	—	—	0	13y	79	78y
J & CO BROKERS LTD→ SC487325 · est 2014	—	—	£8.4k	—	11y	78	64y

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

Incorporated2014-12-19

Jurisdictionscotland

Primary SIC64922 — Activities of mortgage finance companies

Registered office

Challoch Inn Bridge Of Aldouran

Leswalt

Stranraer

DG9 0LJ

United Kingdom

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2027-01-02

Last: 2025-12-19

Officers (1 active · 0 resigned)

MCQUISTIN, James Marshall→

director · ~60y · appointed 2014-12-19

View their other companies + combined net worth →

Active

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

Recent filings (29 total)

accounts-with-accounts-type-total-exemption-full

accounts · AA

2026-03-26

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-12-22

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-05-15

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-12-19

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-03-22

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-12-19

change-person-director-company-with-change-date

officers · CH01

2023-12-19

change-person-director-company-with-change-date

officers · CH01

2023-08-23

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2023-08-23

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-05-26

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-12-21

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-04-11

confirmation-statement-with-no-updates

confirmation-statement · CS01

2021-12-20

accounts-with-accounts-type-total-exemption-full

accounts · AA

2021-07-27

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2021-04-09