SCOTT JACK COMMERCIAL FINANCE LTD

💤Zombieactive

SC730994 · ltd · incorporated 2022-04-29

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 Apr 2025

Net worth

£-622

book net assets

Opportunity

70/100

Strong

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What this business does

Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 70/100 (strong), bankability 70/100. 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: strategic trade sale (65/100).

Data confidence

Overall: medium (78/100)

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

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

Ownership & PSC

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

Director network

1 connected companies via shared directors

Filing history

7 filings

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

70/100Strong

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

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Negative net assets

Liabilities exceed assets by £622

Net assets shrinking

Down £682 YoY

Cash YoY

-25%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£254

↓ 25% YoY

Net Worth

-£622

↓ 1137% YoY

Current Assets

£254

↓ 92% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-04-30	2024-04-30
Total assets	£-622	£60
Current assets	£254	£3.3k
Cash	£254	£338
Debtors	—	£3.0k
Net assets	£-622	£60

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

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (6 events)Click to expand

2025-10-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-29
🏢
Company incorporated
As SCOTT JACK COMMERCIAL FINANCE LTD
2022-04-29
➕
JACK, Scott Hamilton appointed
director
2022-04-29
📄
incorporation-company
incorporation · NEWINC

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 name in company name: Company name contains director surname "JACK" — strong identity link between founder and business.

Succession & seller-readiness

45/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

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%

Name	Shares	Voting rights	Nature of control	Notified
Mr Scott Hamilton Jack Individual · Scottish · DOB 06/1969 · age 57	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	29/04/2022

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.

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Similar companies

Active · Financial services · DG postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BESPOKE HOME FINANCE LTD→ SC493767 · est 2014	£193.7k £140.8k–£246.5k	—	—	1	11y	78	60y
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	—	50y	80	78y
ANNANDALE TRUSTEES LIMITED→ SC155060 · est 1994	—	—	£1.1k	—	31y	79	65y
CARSPHAIRN RENEWABLE ENERGY FUND LIMITED→ SC359237 · est 2009	—	—	—	0	16y	79	82y
NORMAN G. BLOUNT LIMITED→ SC058021 · est 1975	—	—	—	100	50y	79	84y
J & CO BROKERS LTD→ SC487325 · est 2014	—	—	£8.4k	—	11y	78	64y
ARLA FOODS GP LIMITED→ SC550037 · est 2016 · no financials extracted	—	—	—	—	9y	77	64y
ALASTAIR PATERSON LIMITED→ SC867953 · est 2025 · no financials extracted	—	—	—	—	—	76	74y

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

Incorporated2022-04-29

Jurisdictionscotland

Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

49 Glebe Street

Dumfries

DG1 2LZ

United Kingdom

Filing status

Accounts

Next due: 2027-01-31

Last made up to: 2025-04-30

Confirmation statement

Next due: 2026-05-12

Last: 2025-04-28

Officers (1 active · 0 resigned)

JACK, Scott Hamilton→

director · ~57y · appointed 2022-04-29

View their other companies + combined net worth →

Active

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

Recent filings (7 total)

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

accounts · AA

2025-10-30

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-05-07

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

accounts · AA

2024-11-15

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-04-30

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

accounts · AA

2023-12-14

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-05-04

incorporation-company

incorporation · NEWINC

2022-04-29