EDGAR FINANCIAL ADVICE LIMITED
🌳Matureactive
SC168655 · ltd · incorporated 1996-09-30
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£25.4k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with exceptional profile and bankable structure.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 59). 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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
7 officers (3 active, 7 linked, 3 with DOB)
79
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
90 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £25,406
Cash YoY
+3%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£37k
↑ 3.3% YoY
Net Worth
£25k
↑ 25% YoY
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Total assets | £25.4k | £20.4k |
| Cash | £36.8k | £35.6k |
| Net assets | £25.4k | £20.4k |
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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2025-06-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-02-21📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-02-21📄change-person-director-company-with-change-dateofficers · CH01
- 2023-06-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-10-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-21📄resolutionresolution · RESOLUTIONS
- 2019-02-21📄capital-name-of-class-of-sharescapital · SH08
- 2018-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2005-09-27➖EDGAR, James Paterson resigneddirector
- 2004-07-19➖EDGAR, Annette Richmond resignedsecretary
- 2004-07-12➕EDGAR, David Richmond appointedsecretary
- 2004-07-12➕EDGAR, David Richmond appointeddirector
- 2004-07-12➕EDGAR, Douglas Paterson appointeddirector
- 1996-12-04➕EDGAR, Annette Richmond appointedsecretary
- 1996-12-04➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 1996-12-04➕EDGAR, James Paterson appointeddirector
- 1996-12-04➖JORDANS (SCOTLAND) LIMITED resignedcorporate-nominee-director
- 1996-09-30🏢Company incorporatedAs EDGAR FINANCIAL ADVICE LIMITED
- 1996-09-30➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 1996-09-30➕JORDANS (SCOTLAND) LIMITED appointedcorporate-nominee-director
Owner dependency
99/100
Critical — business is the founderThe 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 name in company name: Company name contains director surname "EDGAR" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
76/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 30 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo 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 David Richmond Edgar Individual · British · DOB 09/1971 · age 55 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mr Douglas Paterson Edgar Individual · British · DOB 08/1967 · age 59 | 25–50% | — | 25-50% shares | 06/04/2016 |
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
6 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
Incorporated1996-09-30
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
1 Spiersbridge Way
Thornliebank
Glasgow
G46 8NG
Scotland
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-10-14
Last: 2025-09-30
Officers (3 active · 4 resigned)
EDGAR, David Richmond→
Activesecretary · appointed 2004-07-12
View their other companies + combined net worth →
EDGAR, David Richmond→
Activedirector · ~55y · appointed 2004-07-12
View their other companies + combined net worth →
EDGAR, Douglas Paterson→
Activedirector · ~59y · appointed 2004-07-12
View their other companies + combined net worth →
EDGAR, Annette Richmond→
Resignedsecretary · appointed 1996-12-04 · resigned 2004-07-19
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 1996-09-30 · resigned 1996-12-04
EDGAR, James Paterson→
Resigneddirector · ~87y · appointed 1996-12-04 · resigned 2005-09-27
JORDANS (SCOTLAND) LIMITED→
Resignedcorporate-nominee-director · appointed 1996-09-30 · resigned 1996-12-04
Click a director name to see their full track record across all companies.
Recent filings (90 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-02-21
change-person-director-company-with-change-date
officers · CH01
2024-02-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-02-21
change-person-director-company-with-change-date
officers · CH01
2024-02-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-10-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-24