JOS 3 INVESTMENTS

🌿Early-stageactive
SC797776 · private-unlimited · incorporated 2024-02-05
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
Upgrade to see
Turnover
not disclosed
Net worth
book net assets
Opportunity
71/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 71/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: medium (56/100)

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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
6 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

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 (7 events)Click to expand
  1. 2025-09-18
    📄
    capital-name-of-class-of-shares
    capital · SH08
  2. 2025-09-16
    📄
    memorandum-articles
    incorporation · MA
  3. 2025-09-16
    📄
    resolution
    resolution · RESOLUTIONS
  4. 2024-02-05
    🏢
    Company incorporated
    As JOS 3 INVESTMENTS
  5. 2024-02-05
    WRIGHT, Claire Jane appointed
    director
  6. 2024-02-05
    WRIGHT, Matthew James appointed
    director
  7. 2024-02-05
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

71/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +Young company: Only 2.2 years old — management layer unlikely to be developed.

Succession & seller-readiness

36/100
Weak signal

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

SIGNALS
  • 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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Matthew James Wright
Individual · British · DOB 03/1980 · age 46
75100%
75–100%board control75-100% shares · 75-100% voting · board control · trust interest05/02/2024
Mrs Claire Jane Wright
Individual · British · DOB 12/1978 · age 48
75100%
75–100%board control75-100% shares · 75-100% voting · board control · trust interest05/02/2024

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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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.

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🔒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
Typeprivate-unlimited
Incorporated2024-02-05
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

6 St. Colme Street
Edinburgh
City Of Edinburgh
EH3 6AD

Filing status

Accounts
Next due:
Last made up to:
Confirmation statement
Next due: 2027-02-18
Last: 2026-02-04

Officers (2 active · 0 resigned)

WRIGHT, Claire Jane
director · ~48y · appointed 2024-02-05
View their other companies + combined net worth →
Active
WRIGHT, Matthew James
director · ~46y · appointed 2024-02-05
View their other companies + combined net worth →
Active

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

Recent filings (6 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-06
capital-name-of-class-of-shares
capital · SH08
2025-09-18
memorandum-articles
incorporation · MA
2025-09-16
resolution
resolution · RESOLUTIONS
2025-09-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-28
incorporation-company
incorporation · NEWINC
2024-02-05