SME DIGITAL SOLUTIONS LIMITED
- · Oldest live charge 22.7y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 22.7y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 22.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover 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 | £1.67M | £1.29M |
| Current assets | £1.47M | £1.30M |
| Cash | £855.2k | £738.8k |
| Debtors | £617.6k | £559.1k |
| Net assets | £1.22M | £1.10M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 officers
Corporate timeline (38 events)Click to expand
- 2026-01-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-31➖MCPHAIL, Royston Francis resigneddirector
- 2025-08-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-19📄resolutionresolution · RESOLUTIONS
- 2025-02-19📄memorandum-articlesincorporation · MA
- 2024-10-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-19📄notification-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC08
- 2024-08-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-08-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-08-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-08-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-07-01➕MACKENZIE, Scott Ian appointeddirector
- 2023-08-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-12-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-12-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-12-14📄capital-name-of-class-of-sharescapital · SH08
- 2020-12-14📄resolutionresolution · RESOLUTIONS
- 2020-12-03📄memorandum-articlesincorporation · MA
- 2018-07-16🔓Charge satisfied #1
- 2013-07-15➖MORRISON, Michael Patrick Sebastian resigneddirector
- 2009-05-08🔒Charge registered #3Lender: Barclays Bank PLC
- 2009-04-03🔒Charge registered #2Lender: Barclays Bank PLC
- 2004-10-04➕PLATT, Elizabeth Ann appointedsecretary
- 2004-10-04➕PLATT, Elizabeth Ann appointeddirector
- 2004-10-04➖PLATT, Thomas resignedsecretary
- 2003-10-02🔒Charge registered #1Lender: Eagle Star Life Assurance Company Limited
- 2002-05-07➕MORRISON, Michael Patrick Sebastian appointeddirector
- 2002-03-25➕PLATT, Thomas appointeddirector
- 2002-03-25➕PLATT, Thomas appointedsecretary
- 2002-03-25➖MORGAN WEBSTER LAWRIE (SECRETARIES) LIMITED resignedcorporate-nominee-secretary
- 2002-03-25➕MCPHAIL, Royston Francis appointeddirector
- 2002-03-25➖MWL DIRECTORS LIMITED resignedcorporate-nominee-director
- 2002-03-22🏢Company incorporatedAs SME DIGITAL SOLUTIONS LIMITED
- 2002-03-22➕MORGAN WEBSTER LAWRIE (SECRETARIES) LIMITED appointedcorporate-nominee-secretary
- 2002-03-22➕MWL DIRECTORS LIMITED appointedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 65 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanRadial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (4 active · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 08/05/2009 | — | |
| outstanding | Barclays Barclays Bank PLC | Debenture | 1 property | 03/04/2009 | — | |
| satisfied | Eagle Star Life Assurance Company Eagle Star Life Assurance Company Limited | Rent deposit deed | 1 property | 02/10/2003 | 16/07/2018 |