PAYWIZARD LIMITED
🌳Matureactive
SC208144 · ltd · incorporated 2000-06-15
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 10.9y old — refinance window within 12 months
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£1
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Non-trading company
Sector: Professional, scientific & technical
Investor take
PursueDormant / non-trading with a 65-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 80/100. Strong seller-intent signal (68/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
1 live charge · oldest 10.9y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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, 6 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
96 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →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
75
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 · FRS 102Positive net assets
Net assets £1
Very low cash
Cash position: £1
Cash YoY
+0%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£1
~ YoY
Net Worth
£1
~ YoY
Current Assets
£1
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £1 | £1 |
| Current assets | £1 | £1 |
| Cash | £1 | £1 |
| Debtors | — | £0 |
| Net assets | £1 | £1 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (41 events)Click to expand
- 2025-08-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-09-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-02-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-11-07📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-05-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-07📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-07-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-07-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-07-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-06-28➖JONES, Graeme Andrew resigneddirector
- 2022-06-28➖MILLAR, Ronald Miller resigneddirector
- 2022-06-28➖MORRISON, David John resigneddirector
- 2022-04-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-04-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-04-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-03-30➕BURKE, Andrew Philip appointeddirector
- 2022-03-30➕THURLOW, Steven Edward appointeddirector
- 2022-03-30➖GUTHRIE, Jonathan resigneddirector
- 2021-08-23📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-09-08📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-04-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2019-10-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-09➖MILLAR, Ronald resignedsecretary
- 2015-08-04➕MILLAR, Ronald appointedsecretary
- 2015-08-04➖TAINTON, Gordon resignedsecretary
- 2015-07-23🔒Charge registered #1Lender: Maven Capital Partners UK LLP
- 2008-04-18➖JEARY, Iain resignedsecretary
- 2008-04-18➕TAINTON, Gordon appointedsecretary
- 2004-11-23➕JEARY, Iain appointedsecretary
- 2004-11-23➖TAINTON, Gordon resignedsecretary
- 2000-07-07➕JONES, Graeme Andrew appointeddirector
- 2000-07-07➕MORRISON, David John appointeddirector
- 2000-06-15🏢Company incorporatedAs PAYWIZARD LIMITED
- 2000-06-15➕TAINTON, Gordon appointedsecretary
- 2000-06-15➕BURNESS appointedcorporate-nominee-secretary
- 2000-06-15➖BURNESS resignedcorporate-nominee-secretary
- 2000-06-15➕GUTHRIE, Jonathan appointeddirector
- 2000-06-15➕MILLAR, Ronald Miller appointeddirector
- 2000-06-15➕BURNESS (DIRECTORS) LIMITED appointedcorporate-nominee-director
- 2000-06-15➖BURNESS (DIRECTORS) LIMITED resignedcorporate-nominee-director
Owner dependency
73/100
High — earn-out structure requiredMaterial 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.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
66/100
Strong succession signalMultiple 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.
- secondaryStable-but-static management: Company is 26 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Singula Decisions Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Singula Decisions Limited
Corporate parent · holds 75-100% shares · board control
⬇
PAYWIZARD LIMITED
This company · SC208144
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Singula Decisions Limited Corporate entity | 75–100% | 75–100% | board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · trust interest · firm interest | 06/04/2016 |
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 →Similar companies
Active · Holding company · KY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| FCE GROUP LTD→ SC527814 · est 2016 | £6.15M £5.22M–£7.07M | — | £6.15M | — | 10y | 79 | 68y |
| WEMYSS HARBOUR (ASSETS) LIMITED→ SC520334 · est 2015 | £2.72M £2.31M–£3.13M | — | £2.72M | — | 10y | 79 | 65y |
| RIVERSIDE (GLOBAL) LTD→ SC654820 · est 2020 | £1.55M £1.32M–£1.78M | — | £1.55M | — | 6y | 79 | 67y |
| ALBERT THAIN HOLDINGS LIMITED→ SC039369 · est 1963 | £180.3k £153.2k–£207.3k | — | £180.3k | — | 62y | 78 | 91y |
| ALBERT THAIN LIMITED→ SC019774 · est 1937 | £94.3k £80.2k–£108.5k | — | £94.3k | — | 89y | 79 | 91y |
| HOME-START LEVENMOUTH→ SC280872 · est 2005 | £93.4k £79.4k–£107.4k | — | £93.4k | — | 21y | 79 | 79y |
| NEW RAITH ROVERS LIMITED→ SC293062 · est 2005 | £22.9k £19.4k–£26.3k | — | £22.9k | — | 20y | 79 | 75y |
| SENSALERT LIMITED→ SC342266 · est 2008 | £100 £85–£115 | — | £100 | — | 18y | 80 | 69y |
| INTELLICARE LIMITED→ SC166708 · est 1996 | £2 £2–£2 | — | £2 | — | 29y | 80 | 69y |
| T. & N. GILMARTIN TRADING LTD.→ SC502073 · est 2015 | — | — | — | 85 | 11y | 84 | 59y |
| CARTMORE TRANSPORT LIMITED→ SC110226 · est 1988 | — | — | — | 0 | 38y | 82 | 78y |
| FOCUS SUBSEA LIMITED→ SC303004 · est 2006 | — | — | — | — | 20y | 81 | 58y |
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
Incorporated2000-06-15
Jurisdictionscotland
Primary SIC74990 — Non-trading company
Registered office
Office 4, Albion Business Space Mitchelston Drive
Mitchelston Industrial Estate
Kirkcaldy
Fife
KY1 3NB
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-04-22
Last: 2026-04-08
Officers (2 active · 10 resigned)
BURKE, Andrew Philip→
Activedirector · ~65y · appointed 2022-03-30
View their other companies + combined net worth →
THURLOW, Steven Edward→
Activedirector · ~59y · appointed 2022-03-30
View their other companies + combined net worth →
JEARY, Iain→
Resignedsecretary · appointed 2004-11-23 · resigned 2008-04-18
MILLAR, Ronald→
Resignedsecretary · appointed 2015-08-04 · resigned 2018-05-09
TAINTON, Gordon→
Resignedsecretary · appointed 2008-04-18 · resigned 2015-08-04
TAINTON, Gordon→
Resignedsecretary · appointed 2000-06-15 · resigned 2004-11-23
BURNESS→
Resignedcorporate-nominee-secretary · appointed 2000-06-15 · resigned 2000-06-15
GUTHRIE, Jonathan→
Resigneddirector · ~66y · appointed 2000-06-15 · resigned 2022-03-30
JONES, Graeme Andrew→
Resigneddirector · ~61y · appointed 2000-07-07 · resigned 2022-06-28
MILLAR, Ronald Miller→
Resigneddirector · ~66y · appointed 2000-06-15 · resigned 2022-06-28
MORRISON, David John→
Resigneddirector · ~67y · appointed 2000-07-07 · resigned 2022-06-28
BURNESS (DIRECTORS) LIMITED→
Resignedcorporate-nominee-director · appointed 2000-06-15 · resigned 2000-06-15
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Maven Capital Partners UK Maven Capital Partners UK LLP | A registered charge | — | 23/07/2015 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (96 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-08-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-09-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-02-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-11-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-05-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-09-07
termination-director-company-with-name-termination-date
officers · TM01
2022-07-05
termination-director-company-with-name-termination-date
officers · TM01
2022-07-05
termination-director-company-with-name-termination-date
officers · TM01
2022-07-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-11
appoint-person-director-company-with-name-date
officers · AP01
2022-04-04