CITYPOINT WEALTH LIMITED

🌳Matureactive
SC055597 · ltd · incorporated 1974-05-03
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 4.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£74.6k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 67/100. Strong seller-intent signal (83/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 4.9y

55/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Charge age ~4.9 years — mid-life; refi window approaching.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

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
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
12 officers (2 active, 12 linked, 11 with DOB)
88
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
136 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £74,578
Cash YoY
+0%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£152k
~ YoY
Net Worth
£75k
↑ 12% YoY
Current Assets
£185k
~ YoY
Current Liabilities
—
£0£37k£74k£112k£149k£186kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£76.6k£68.6k
Current assets£184.6k£186.2k
Cash£151.8k£151.4k
Debtors£32.8k£34.8k
Net assets£74.6k£66.5k

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
0
filings
Last 90 days
0
filings
Last 180 days
3
filings
  • • 2 persons-with-significant-control
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (41 events)Click to expand
  1. 2025-12-18
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-12-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  3. 2025-12-12
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  4. 2025-05-02
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2025-05-01
    ➕
    CARRUTH, Lianne Lyndsay appointed
    director
  6. 2025-02-11
    ➖
    CARRUTH, Lianne Lyndsay resigned
    director
  7. 2025-02-11
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2024-12-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2023-12-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2023-09-25
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  11. 2023-09-22
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2023-09-22
    📄
    resolution
    resolution · RESOLUTIONS
  13. 2023-09-22
    📄
    memorandum-articles
    incorporation · MA
  14. 2023-04-20
    📄
    capital-name-of-class-of-shares
    capital · SH08
  15. 2023-04-14
    📄
    memorandum-articles
    incorporation · MA
  16. 2023-04-14
    📄
    resolution
    resolution · RESOLUTIONS
  17. 2022-09-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2021-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2021-06-15
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  20. 2021-06-15
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  21. 2021-06-15
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  22. 2021-06-15
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  23. 2021-05-26
    ➖
    HARDIE CALDWELL LLP resigned
    corporate-secretary
  24. 2021-05-26
    ➕
    CARRUTH, Lianne Lyndsay appointed
    director
  25. 2021-05-26
    ➖
    MCCUAIG, Angus resigned
    director
  26. 2021-05-26
    🔒
    Charge registered #1
    Lender: Pauline Mcgarry
  27. 2018-04-01
    ➕
    MCCUAIG, Angus appointed
    director
  28. 2018-03-31
    ➖
    MACKAY, Robert George Stevenson resigned
    director
  29. 2011-04-01
    ➕
    MCQUARRIE, Brian appointed
    director
  30. 2009-04-06
    ➖
    CRICHTON, David Thomas resigned
    director
  31. 2008-12-08
    ➖
    ANDERSON, John Howard resigned
    director
  32. 2008-04-01
    ➕
    CRICHTON, David Thomas appointed
    director
  33. 2007-03-31
    ➕
    MACKAY, Robert George Stevenson appointed
    director
  34. 2007-03-31
    ➖
    PATERSON, James Andrew resigned
    director
  35. 2005-03-31
    ➖
    WYLLIE, Robert Mcintyre resigned
    director
  36. 2005-03-08
    ➕
    ANDERSON, John Howard appointed
    director
  37. 1999-05-01
    ➕
    PATERSON, James Andrew appointed
    director
  38. 1999-05-01
    ➖
    SPENCE, John Gray resigned
    director
  39. 1995-04-30
    ➕
    SPENCE, John Gray appointed
    director
  40. 1995-04-30
    ➖
    WHITTLE, James resigned
    director
  41. 1974-05-03
    🏢
    Company incorporated
    As CITYPOINT WEALTH LIMITED

Owner dependency

83/100
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.
  • +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

69/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 15 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Tradestone Wealth Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Tradestone Wealth Ltd
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
CITYPOINT WEALTH LIMITED
This company · SC055597

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%
NameSharesVoting rightsNature of controlNotified
Tradestone Wealth Ltd
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control26/05/2021
2 historic (ceased) PSCs
  • Mr Brian Mcquarrieceased 01/12/2025· 25-50% shares · 25-50% voting
  • Hardie Caldwell Llpceased 26/05/2021· 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 →

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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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated1974-05-03
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Lower Ground Suite
14 Newton Place
Glasgow
G3 7PY
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-01
Last: 2025-09-17

Officers (2 active · 10 resigned)

CARRUTH, Lianne Lyndsay→
director · ~43y · appointed 2025-05-01
View their other companies + combined net worth →
Active
MCQUARRIE, Brian→
director · ~65y · appointed 2011-04-01
View their other companies + combined net worth →
Active
HARDIE CALDWELL LLP→
corporate-secretary · resigned 2021-05-26
Resigned
ANDERSON, John Howard→
director · ~78y · appointed 2005-03-08 · resigned 2008-12-08
Resigned
CARRUTH, Lianne Lyndsay→
director · ~43y · appointed 2021-05-26 · resigned 2025-02-11
Resigned
CRICHTON, David Thomas→
director · ~61y · appointed 2008-04-01 · resigned 2009-04-06
Resigned
MACKAY, Robert George Stevenson→
director · ~74y · appointed 2007-03-31 · resigned 2018-03-31
Resigned
MCCUAIG, Angus→
director · ~56y · appointed 2018-04-01 · resigned 2021-05-26
Resigned
PATERSON, James Andrew→
director · ~79y · appointed 1999-05-01 · resigned 2007-03-31
Resigned
SPENCE, John Gray→
director · ~93y · appointed 1995-04-30 · resigned 1999-05-01
Resigned
WHITTLE, James→
director · ~97y · resigned 1995-04-30
Resigned
WYLLIE, Robert Mcintyre→
director · ~81y · resigned 2005-03-31
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Pauline Mcgarry / Douglas Emery / Angus Mccuaig
A registered charge1 property26/05/2021—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (136 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-12-12
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-30
appoint-person-director-company-with-name-date
officers · AP01
2025-05-02
termination-director-company-with-name-termination-date
officers · TM01
2025-02-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-12-23
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-15
capital-variation-of-rights-attached-to-shares
capital · SH10
2023-09-25
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-09-22
resolution
resolution · RESOLUTIONS
2023-09-22
memorandum-articles
incorporation · MA
2023-09-22
capital-name-of-class-of-shares
capital · SH08
2023-04-20