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.
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 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: high (80/100)

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
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
5 connected companies via shared directors
60
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
1
filing
  • • 1 confirmation-statement
Last 180 days
3
filings
  • • 1 confirmation-statement
  • • 1 accounts
  • • 1 officers
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.

🔒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

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