FINNIE HOLDINGS LTD.
🌳Matureactive
SC229322 · ltd · incorporated 2002-03-19
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 3.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: SIC 47770
Sector: Wholesale & retail
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
3 live charges · oldest 3.7y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~3.7 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (79/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
8 officers (2 active, 8 linked, 5 with DOB)
83
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
83 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-02-28 | 2024-02-28 |
|---|---|---|
| Average employees | 2 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 signals 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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
- 2025-10-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-06-11➕DAWSON, Dominique Genelle appointeddirector
- 2025-06-11➖DAWSON, Sarah Grant resigneddirector
- 2024-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-15🔒Charge registered #3Lender: Bank of Scotland PLC
- 2023-07-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-09-10🔒Charge registered #2Lender: Bank of Scotland PLC
- 2022-08-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-15🔒Charge registered #1Lender: Bank of Scotland PLC
- 2022-07-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-08📄memorandum-articlesincorporation · MA
- 2021-11-08📄capital-name-of-class-of-sharescapital · SH08
- 2021-11-08📄resolutionresolution · RESOLUTIONS
- 2021-11-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-11-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-11-04📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-11-04📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2021-11-04📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-11-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-11-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-10-25➖FINNIE, Peggy Rita resignedsecretary
- 2021-10-25➖FINNIE, Peggy Rita resigneddirector
- 2021-10-25➖FINNIE, Ronald Dickson resigneddirector
- 2021-08-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2002-04-16➕FINNIE, Peggy Rita appointeddirector
- 2002-04-16➕FINNIE, Ronald Dickson appointeddirector
- 2002-03-19🏢Company incorporatedAs FINNIE HOLDINGS LTD.
- 2002-03-19➕FINNIE, Matthew Wood appointeddirector
- 2002-03-19➕FINNIE, Peggy Rita appointedsecretary
- 2002-03-19➕FIRST SCOTTISH SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2002-03-19➖FIRST SCOTTISH SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2002-03-19➕DAWSON, Sarah Grant appointeddirector
- 2002-03-19➕FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED appointedcorporate-nominee-director
- 2002-03-19➖FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED resignedcorporate-nominee-director
Owner dependency
83/100
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 "FINNIE" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- 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 |
|---|---|---|---|---|
Mrs Sarah Grant Dawson Individual · British · DOB 05/1960 · age 66 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 25/10/2021 |
Mr Matthew Wood Finnie Individual · British · DOB 07/1972 · age 54 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 25/10/2021 |
2 historic (ceased) PSCs
- Mr Ronald Dickson Finnieceased 25/10/2021· 25-50% shares
- Mrs Peggy Rita Finnieceased 25/10/2021· 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 →Similar companies
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|---|---|---|---|---|---|---|---|
| KMS RAILTECH LTD→ SC587518 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
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| LRFLORISTS LIMITED→ SC644432 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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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
Incorporated2002-03-19
Jurisdictionscotland
Primary SIC47770 — SIC 47770
Registered office
219-223 George Street
Aberdeen
AB25 1HY
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-04-02
Last: 2026-03-19
Officers (2 active · 6 resigned)
DAWSON, Dominique Genelle→
Activedirector · ~40y · appointed 2025-06-11
View their other companies + combined net worth →
FINNIE, Matthew Wood→
Activedirector · ~54y · appointed 2002-03-19
View their other companies + combined net worth →
FINNIE, Peggy Rita→
Resignedsecretary · appointed 2002-03-19 · resigned 2021-10-25
FIRST SCOTTISH SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-03-19 · resigned 2002-03-19
DAWSON, Sarah Grant→
Resigneddirector · ~66y · appointed 2002-03-19 · resigned 2025-06-11
FINNIE, Peggy Rita→
Resigneddirector · ~87y · appointed 2002-04-16 · resigned 2021-10-25
FINNIE, Ronald Dickson→
Resigneddirector · ~91y · appointed 2002-04-16 · resigned 2021-10-25
FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED→
Resignedcorporate-nominee-director · appointed 2002-03-19 · resigned 2002-03-19
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 15/08/2024 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 10/09/2022 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 15/08/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (83 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-08
termination-director-company-with-name-termination-date
officers · TM01
2025-06-17
appoint-person-director-company-with-name-date
officers · AP01
2025-06-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-09-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-08-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-12
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-29
memorandum-articles
incorporation · MA
2021-11-08