J3 DEBT SOLUTIONS LTD

🏛️Establishedactive

SC612868 · ltd · incorporated 2018-11-06

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.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£6.1k

book net assets

Opportunity

69/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company. Reasonable fundamentals — worth a memo before deciding.

Opportunity 69/100 (strong), bankability 65/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

7 live charges · 2 lenders · oldest 5.0y

20/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Charge age ~5.0 years — mid-life; refi window approaching.
· Two lenders — manageable, but coordination required.
· Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (82/100)

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

7 charges (7/7 with lender, 7/7 with type)

Directors & officers

6 officers (5 active, 6 linked, 6 with DOB)

Ownership & PSC

1 active PSC(s) of 4 total, 4 with control declared

Director network

6 connected companies via shared directors

Filing history

37 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

69/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £6,052

Net assets shrinking

Down £22,297 YoY

Cash YoY

-21%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£25k

↓ 21% YoY

Net Worth

£6k

↓ 79% YoY

Current Assets

£1.2m

↓ 66% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-03-31	2024-03-31
Total assets	£6.1k	£2.99M
Current assets	£1.18M	£3.52M
Cash	£24.6k	£31.0k
Debtors	£320.7k	£8.4k
Net assets	£6.1k	£28.3k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (35 events)Click to expand

2025-12-23
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-07-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-01
➕
SPENCER, Ari Nicholas appointed
director
2025-05-27
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-05-27
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-05-27
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-05-27
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-12-17
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-12-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-12-06
➖
MURRAY, Joel resigned
director
2024-09-23
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-23
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-06
🔒
Charge registered #7
Lender: Balbec Europe Sca Sicav Raif
2024-09-06
🔒
Charge registered #6
Lender: Balbec Europe Sca Sicav Raif
2024-01-15
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-12-22
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-09-06
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-06
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-06
📄
mortgage-alter-floating-charge-with-number
mortgage · 466(Scot)
2023-09-06
📄
mortgage-alter-floating-charge-with-number
mortgage · 466(Scot)
2023-08-31
🔒
Charge registered #5
Lender: Balbec Europe Sca Sicav Raif
2023-08-31
🔒
Charge registered #4
Lender: Balbec Europe Sca Sicav Raif
2023-07-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-07-18
➕
HACKING, Ben appointed
director
2022-12-15
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-04-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-04-01
➕
GRUNDY, Russell appointed
director
2022-02-03
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-01-24
🔒
Charge registered #3
Lender: Balbec Invest V L1 S.À R.L
2021-05-18
🔒
Charge registered #2
Lender: Balbec Invest V L1 S.À R.L
2021-05-18
🔒
Charge registered #1
Lender: Balbec Invest V L1 S.À R.L
2018-11-06
🏢
Company incorporated
As J3 DEBT SOLUTIONS LTD
2018-11-06
➕
CARMICHAEL, Jamie appointed
director
2018-11-06
➕
FARRAR, James Jonathan appointed
director
2018-11-06
➕
MURRAY, Joel appointed
director

Owner dependency

40/100

Moderate — manageable with handover

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

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.

Succession & seller-readiness

30/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

Red flags

1 low

7 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

Balbec Europe Sca Sicav Raif Sub-Fund Igcf V is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Balbec Europe Sca Sicav Raif Sub-Fund Igcf V

Corporate parent · holds 75-100% shares

ultimate parent

⬇

J3 DEBT SOLUTIONS LTD

This company · SC612868

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Balbec Europe Sca Sicav Raif Sub-Fund Igcf V Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	06/09/2023

3 historic (ceased) PSCs

Mr Jamie Carmichaelceased 18/05/2021· 25-50% shares · 25-50% voting
Mr James Farrarceased 18/05/2021· 25-50% shares · 25-50% voting
Mr Joel Murrayceased 18/05/2021· 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

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HAIG CONSORTIUM LTD→ SC663066 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
HALO ASSIST LIMITED→ SC442224 · est 2013 · no financials extracted	—	—	—	—	13y	—	—
HLN CONSULTANCY LIMITED→ SC446607 · est 2013 · no financials extracted	—	—	—	—	13y	—	—
I C LOANS LIMITED→ SC254258 · est 2003 · no financials extracted	—	—	—	—	22y	—	—
INVESTAX LIMITED→ SC222930 · est 2001 · no financials extracted	—	—	—	—	24y	—	—
ISLAMIC FINANCE COUNCIL UK LIMITED→ SC347666 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
J C ROXBURGH (INSURANCE BROKERS) LTD→ SC417217 · est 2012 · no financials extracted	—	—	—	—	14y	—	—
J. MCGHEE (FINANCIAL CONSULTANT) LTD.→ SC299913 · est 2006 · no financials extracted	—	—	—	—	20y	—	—
J&D FINANCIAL ADVICE SERVICE LIMITED→ SC621721 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
JACOBS TWO LIMITED→ SC580155 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
JACQUELINE HILLAN LIMITED→ SC500290 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
JALSH LIMITED→ SC556605 · est 2017 · no financials extracted	—	—	—	—	9y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2018-11-06

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

No. 1 West Regent Street

Glasgow

G2 1RW

Scotland

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-02-15

Last: 2026-02-01