DJA FINANCIAL LTD

💤Zombieactive
SC566780 · ltd · incorporated 2017-05-23
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 Mar 2025
Net worth
book net assets
Opportunity
76/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 71-year-old founder — textbook succession opportunity.

Opportunity 76/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 71). 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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (1 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
26 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities
£0£4k£9k£13k£18k£22kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£14.6k
Current assets£22.4k
Cash£825
Debtors£21.6k
Net assets£5.7k

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
1
filing
  • 1 confirmation-statement
Last 180 days
1
filing
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2025-08-19
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  2. 2024-05-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-11-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-01-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-04-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2019-07-01
    MCDONAGH, John appointed
    director
  8. 2019-07-01
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2019-06-14
    ANDERSON, Susan Margaret resigned
    director
  10. 2019-06-14
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2019-06-14
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  12. 2019-06-14
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  13. 2019-06-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2019-06-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-12-13
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2018-12-13
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  17. 2018-10-23
    ANDERSON, David John resigned
    director
  18. 2018-07-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2018-05-17
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  20. 2017-05-23
    🏢
    Company incorporated
    As DJA FINANCIAL LTD
  21. 2017-05-23
    ANDERSON, David John appointed
    director
  22. 2017-05-23
    ANDERSON, Susan Margaret appointed
    director

Owner dependency

90/100
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.
  • +Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

75/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

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%
NameSharesVoting rightsNature of controlNotified
Mr John Mcdonagh
Individual · British · DOB 12/1955 · age 71
75100%
75-100% shares14/06/2019
2 historic (ceased) PSCs
  • Mrs Susan Margaret Andersonceased 14/06/2019· 25-50% shares · 25-50% voting
  • Mr David John Andersonceased 23/10/2018· 25-50% shares · 25-50% voting

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 · G postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
CINNAMON GP4 LIMITED
SC581651 · est 2017 · no financials extracted
8y
CLYDE BERGEMANN POWER GROUP INTERNATIONAL LIMITED
SC188877 · est 1998 · no financials extracted
27y
DGL (GLASGOW) LTD
SC338543 · est 2008 · no financials extracted
18y
ELIO MACLEAN LIMITED
SC781112 · est 2023 · no financials extracted
2y
ENVOY RS LTD
SC817881 · est 2024 · no financials extracted
1y
EVERNEST PROPERTIES LIMITED
SC864964 · est 2025 · no financials extracted
FAAB TRADERS LIMITED
SC767876 · est 2023 · no financials extracted
2y
FAZ PROPERTIES LTD
SC866684 · est 2025 · no financials extracted
FEX WHISPERER LIMITED
SC814558 · est 2024 · no financials extracted
1y
FFX CAPITAL LTD
SC743545 · est 2022 · no financials extracted
3y
FIDELIS FINANCIAL PLANNING LIMITED
SC397983 · est 2011 · no financials extracted
14y
FINANCIAL INDEPENDENCE (SCOTLAND) LTD.
SC232317 · est 2002 · no financials extracted
23y
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

Statusactive
Typeltd
Incorporated2017-05-23
Jurisdictionscotland
Primary SIC65110 — Life insurance

Registered office

64 Keswick Road
East Kilbride
Glasgow
G75 8QX
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-22
Last: 2026-03-08

Officers (1 active · 2 resigned)

MCDONAGH, John
director · ~71y · appointed 2019-07-01
View their other companies + combined net worth →
Active
ANDERSON, David John
director · ~71y · appointed 2017-05-23 · resigned 2018-10-23
Resigned
ANDERSON, Susan Margaret
director · ~69y · appointed 2017-05-23 · resigned 2019-06-14
Resigned

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

Recent filings (26 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-10
accounts-with-accounts-type-dormant
accounts · AA
2025-08-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-28
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-30
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-01
appoint-person-director-company-with-name-date
officers · AP01
2019-07-01
termination-director-company-with-name-termination-date
officers · TM01
2019-06-14