FD WEALTH LTD

🌳Matureactive
SC229215 · ltd · incorporated 2002-03-15
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
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 Apr 2025
Net worth
£226.1k
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 58). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -34% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (77/100)

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
19 officers (2 active, 19 linked, 15 with DOB)
86
Ownership & PSC
2 active PSC(s) of 6 total, 6 with control declared
90
Director network
Network not yet resolved
30
Filing history
114 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
85
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 declared
Positive net assets
Net assets £226,110
Net assets shrinking
Down £124,862 YoY
Cash YoY
-34%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£250k
↓ 34% YoY
Net Worth
£226k
↓ 36% YoY
Current Assets
£257k
↓ 35% YoY
Current Liabilities
—
£0£79k£157k£236k£315k£394kApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-302024-04-30
Total assets£226.3k£351.5k
Current assets£256.9k£393.5k
Cash£249.9k£380.1k
Debtors£7.0k£13.4k
Net assets£226.1k£351.0k

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
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (57 events)Click to expand
  1. 2026-01-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-12-16
    ➖
    CHAPMAN, Craig resigned
    director
  3. 2025-12-16
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  4. 2025-01-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2025-01-27
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2025-01-20
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2024-11-01
    ➕
    CHAPMAN, Craig appointed
    director
  8. 2024-10-31
    ➖
    BOYLE, Suzanne resigned
    director
  9. 2024-07-12
    📄
    resolution
    resolution · RESOLUTIONS
  10. 2024-07-12
    📄
    memorandum-articles
    incorporation · MA
  11. 2024-03-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2024-01-31
    📄
    accounts-with-accounts-type-small
    accounts · AA
  13. 2023-11-14
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  14. 2023-11-01
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2023-11-01
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2023-10-17
    ➖
    SINCLAIR, Antony John resigned
    secretary
  17. 2023-10-17
    ➖
    BURT, Hazel resigned
    director
  18. 2023-10-17
    ➖
    SINCLAIR, Antony John resigned
    director
  19. 2023-10-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  20. 2023-10-13
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  21. 2023-07-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  22. 2023-06-23
    ➖
    REYNOLDS, Andrew James Ferguson resigned
    director
  23. 2023-02-02
    📄
    accounts-with-accounts-type-small
    accounts · AA
  24. 2023-01-27
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  25. 2023-01-27
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  26. 2023-01-27
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  27. 2022-03-04
    ➖
    MCGOWAN, Peter resigned
    director
  28. 2022-03-04
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  29. 2022-02-18
    ➕
    BOYLE, Suzanne appointed
    director
  30. 2019-08-15
    ➕
    MCGOWAN, Peter appointed
    director
  31. 2019-08-15
    ➕
    REYNOLDS, Andrew James Ferguson appointed
    director
  32. 2019-05-01
    ➕
    BURT, Hazel appointed
    director
  33. 2019-04-25
    ➖
    HUNTER, George John Zane resigned
    director
  34. 2015-04-21
    ➕
    HUGHES, Stephen Gerrard appointed
    director
  35. 2015-02-05
    ➕
    HUNTER, George John Zane appointed
    director
  36. 2014-12-31
    ➖
    KERR, Robert Francis resigned
    director
  37. 2012-10-16
    ➖
    PLUMTREE, Alan James Charles resigned
    director
  38. 2007-05-13
    ➖
    OLIVER, Philip George resigned
    director
  39. 2007-02-15
    ➕
    FINNIE, Graeme Alexander Lumsden appointed
    director
  40. 2007-02-15
    ➖
    MELVILLE, Andrew William resigned
    director
  41. 2005-02-08
    ➕
    SINCLAIR, Antony John appointed
    secretary
  42. 2005-02-08
    ➖
    SOMMERVILLE, John Kenneth resigned
    secretary
  43. 2005-02-08
    ➕
    SINCLAIR, Antony John appointed
    director
  44. 2005-02-08
    ➖
    SOMMERVILLE, John Kenneth resigned
    director
  45. 2004-03-31
    ➖
    BROWN, Christopher Howitt resigned
    director
  46. 2003-10-31
    ➕
    BROWN, Christopher Howitt appointed
    director
  47. 2003-10-31
    ➕
    KERR, Robert Francis appointed
    director
  48. 2003-10-31
    ➕
    OLIVER, Philip George appointed
    director
  49. 2003-10-31
    ➕
    PLUMTREE, Alan James Charles appointed
    director
  50. 2002-03-26
    ➕
    SOMMERVILLE, John Kenneth appointed
    secretary
Showing most recent 50 of 57 events

Owner dependency

76/100
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.
  • +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

69/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 19 years.
  • secondaryStable-but-static management: Company is 24 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

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
NameSharesVoting rightsNature of controlNotified
Mr Graeme Alexander Lumsden Finnie
Individual · British · DOB 03/1970 · age 56
25–50%
25–50%25-50% shares · 25-50% voting07/12/2022
Mr Stephen Gerrard Hughes
Individual · British · DOB 07/1968 · age 58
25–50%
25–50%25-50% shares · 25-50% voting07/12/2022
4 historic (ceased) PSCs
  • French Duncan Llpceased 07/12/2022· 50-75% shares · 50-75% voting
  • Mr Stephen Gerrard Hughesceased 06/04/2016· 25-50% shares · 25-50% voting
  • Mr Graeme Alexander Lumsden Finnieceased 06/04/2016· 25-50% shares · 25-50% voting
  • Mrs Eileen Blackburnceased 06/04/2016· 25-50% shares · 25-50% voting

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
Incorporated2002-03-15
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

3rd Floor 133
Finnieston Street
Glasgow
G3 8HB
United Kingdom

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-12-30
Last: 2025-12-16

Officers (2 active · 17 resigned)

FINNIE, Graeme Alexander Lumsden→
director · ~56y · appointed 2007-02-15
View their other companies + combined net worth →
Active
HUGHES, Stephen Gerrard→
director · ~58y · appointed 2015-04-21
View their other companies + combined net worth →
Active
SINCLAIR, Antony John→
secretary · appointed 2005-02-08 · resigned 2023-10-17
Resigned
SOMMERVILLE, John Kenneth→
secretary · appointed 2002-03-26 · resigned 2005-02-08
Resigned
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2002-03-15 · resigned 2002-03-20
Resigned
BOYLE, Suzanne→
director · ~54y · appointed 2022-02-18 · resigned 2024-10-31
Resigned
BROWN, Christopher Howitt→
director · ~57y · appointed 2003-10-31 · resigned 2004-03-31
Resigned
BURT, Hazel→
director · ~52y · appointed 2019-05-01 · resigned 2023-10-17
Resigned
CHAPMAN, Craig→
director · ~42y · appointed 2024-11-01 · resigned 2025-12-16
Resigned
HUNTER, George John Zane→
director · ~60y · appointed 2015-02-05 · resigned 2019-04-25
Resigned
KERR, Robert Francis→
director · ~72y · appointed 2003-10-31 · resigned 2014-12-31
Resigned
MCGOWAN, Peter→
director · ~48y · appointed 2019-08-15 · resigned 2022-03-04
Resigned
MELVILLE, Andrew William→
director · ~83y · appointed 2002-03-26 · resigned 2007-02-15
Resigned
OLIVER, Philip George→
director · ~70y · appointed 2003-10-31 · resigned 2007-05-13
Resigned
PLUMTREE, Alan James Charles→
director · ~77y · appointed 2003-10-31 · resigned 2012-10-16
Resigned
REYNOLDS, Andrew James Ferguson→
director · ~38y · appointed 2019-08-15 · resigned 2023-06-23
Resigned
SINCLAIR, Antony John→
director · ~61y · appointed 2005-02-08 · resigned 2023-10-17
Resigned
SOMMERVILLE, John Kenneth→
director · ~84y · appointed 2002-03-26 · resigned 2005-02-08
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2002-03-15 · resigned 2002-03-26
Resigned

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

Recent filings (114 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-26
termination-director-company-with-name-termination-date
officers · TM01
2025-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-28
appoint-person-director-company-with-name-date
officers · AP01
2025-01-27
termination-director-company-with-name-termination-date
officers · TM01
2025-01-20
resolution
resolution · RESOLUTIONS
2024-07-12
memorandum-articles
incorporation · MA
2024-07-12
change-person-director-company-with-change-date
officers · CH01
2024-03-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-14
accounts-with-accounts-type-small
accounts · AA
2024-01-31
termination-secretary-company-with-name-termination-date
officers · TM02
2023-11-14
termination-director-company-with-name-termination-date
officers · TM01
2023-11-01
termination-director-company-with-name-termination-date
officers · TM01
2023-11-01