DALZIELS PRIVATE PERSONAL FINANCE LIMITED

💤Zombieactive
SC243222 · ltd · incorporated 2003-01-31
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
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Turnover
—
year to Mar 2025
Net worth
£142.9k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 61-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 61). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (78/100)

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
4 officers (2 active, 4 linked, 2 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
54 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 declared
Positive net assets
Net assets £142,866

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£143k
↑ 2.3% YoY
Current Assets
£319k
↓ 3.8% YoY
Current Liabilities
—
£0£66k£133k£199k£265k£331kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£142.9k£139.6k
Current assets£318.7k£331.3k
Net assets£142.9k£139.6k

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
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2025-10-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-12-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-05-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-03-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-12-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2020-05-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2019-05-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2018-07-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2018-07-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2017-08-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2016-05-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2016-02-03
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  13. 2015-08-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2015-02-03
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2014-12-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2003-01-31
    🏢
    Company incorporated
    As DALZIELS PRIVATE PERSONAL FINANCE LIMITED
  17. 2003-01-31
    ➕
    LAIDLAW, Gordon Lindfield appointed
    secretary
  18. 2003-01-31
    ➕
    LAIDLAW, Douglas appointed
    director
  19. 2003-01-31
    ➕
    BAIN, Steven James appointed
    nominee-secretary
  20. 2003-01-31
    ➖
    BAIN, Steven James resigned
    nominee-secretary
  21. 2003-01-31
    ➕
    YOUNG, William Leith appointed
    nominee-director
  22. 2003-01-31
    ➖
    YOUNG, William Leith resigned
    nominee-director

Owner dependency

93/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

85/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Douglas Laidlaw
Individual · British · DOB 01/1965 · age 61
75–100%
—75-100% shares06/04/2016

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 →

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CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
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———40087y8277y
LEGGATTS FINANCIAL SERVICES LIMITED→
SC255061 · est 2003
——£38.1k—22y8173y
ARGYLL TRUSTEES LIMITED→
SC382862 · est 2010
——£1—15y8084y
BLACK DOG FINANCIAL SERVICES LTD.→
SC265100 · est 2004
——£61.1k—22y8071y
CAMPBELL & MCCONNACHIE LIMITED→
SC314177 · est 2007 · no financials extracted
————19y8063y
DUNDONNELL INVESTMENTS LIMITED→
SC226018 · est 2001
———10024y8082y
ELMBRAE MORTGAGE & PENSIONS LTD.→
SC265582 · est 2004
——£100.0k—22y8062y
HUTCHESON FINANCIAL SERVICES LIMITED→
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——£11.6k—17y8065y
MACKENZIE TAYLOR WEALTH MANAGEMENT LTD.→
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——£107.3k—19y8064y
MUNRO & NOBLE FINANCIAL SERVICES LIMITED→
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———024y8066y
NORTHWAY FINANCE LIMITED→
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————44y8084y
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———025y8067y
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
Incorporated2003-01-31
Jurisdictionscotland
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

Glenshiel
Farr
Inverness
IV2 6XJ
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-14
Last: 2026-01-31

Officers (2 active · 2 resigned)

LAIDLAW, Gordon Lindfield→
secretary · appointed 2003-01-31
View their other companies + combined net worth →
Active
LAIDLAW, Douglas→
director · ~61y · appointed 2003-01-31
View their other companies + combined net worth →
Active
BAIN, Steven James→
nominee-secretary · appointed 2003-01-31 · resigned 2003-01-31
Resigned
YOUNG, William Leith→
nominee-director · ~73y · appointed 2003-01-31 · resigned 2003-01-31
Resigned

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

Recent filings (54 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-11
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-18
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-25
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-16
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-08
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-12
accounts-with-accounts-type-micro-entity
accounts · AA
2020-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-12
accounts-with-accounts-type-micro-entity
accounts · AA
2019-05-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-02-06