BLAJ FIC LIMITED

🏛️Establishedactive

SC623827 · ltd · incorporated 2019-03-11

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

£-12.5k

book net assets

Opportunity

76/100

Strong

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What this business does

Primary activity: Activities of open-ended investment companies

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 76/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 73). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (76/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

3 officers (3 active, 3 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

14 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

76/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Negative net assets

Liabilities exceed assets by £12,496

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

-£12k

↓ 31% YoY

Current Assets

£12

↓ 95% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-03-31	2024-03-31
Total assets	£-12.5k	£-9.6k
Current assets	£12	£221
Net assets	£-12.5k	£-9.6k

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 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (11 events)Click to expand

2025-12-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-18
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-05
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-03-11
🏢
Company incorporated
As BLAJ FIC LIMITED
2019-03-11
➕
DAVISON, Jennifer Louise appointed
secretary
2019-03-11
➕
SMITH, Brian Anthony appointed
director
2019-03-11
➕
SMITH, Linda Ann appointed
director
2019-03-11
📄
incorporation-company
incorporation · NEWINC

Owner dependency

81/100

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 age: Director aged approximately 73 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

66/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Brian Anthony Smith Individual · British · DOB 04/1953 · age 73	—	25–50%	25-50% voting	11/03/2019
Linda Ann Smith Individual · British · DOB 03/1954 · age 72	—	25–50%	25-50% voting	11/03/2019

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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.

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Company details

Statusactive

Typeltd

Incorporated2019-03-11

Jurisdictionscotland

Primary SIC64304 — Activities of open-ended investment companies

Registered office

20 Montrose Gardens, Milngavie

Glasgow

G62 8NQ

United Kingdom

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-03-24

Last: 2026-03-10

Officers (3 active · 0 resigned)

DAVISON, Jennifer Louise→

secretary · appointed 2019-03-11

View their other companies + combined net worth →

Active

SMITH, Brian Anthony→

director · ~73y · appointed 2019-03-11

View their other companies + combined net worth →

Active

SMITH, Linda Ann→

director · ~72y · appointed 2019-03-11

View their other companies + combined net worth →

Active

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