ARGYLL WEALTH CONSULTANTS LIMITED

🌳Matureactive

SC244103 · ltd · incorporated 2003-02-17

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 Feb 2025

Net worth

—

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 69-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 69). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (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

Lenders & charges

Confirmed no charges registered

Directors & officers

7 officers (3 active, 7 linked, 3 with DOB)

Ownership & PSC

2 active PSC(s) of 3 total, 3 with control declared

Director network

1 connected companies via shared directors

Filing history

78 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

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	400	400

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

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (29 events)Click to expand

2025-11-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-24
📄
change-account-reference-date-company-previous-extended
accounts · AA01
2023-11-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-24
📄
change-account-reference-date-company-previous-shortened
accounts · AA01
2022-02-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-12-12
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-12-12
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-12-12
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2021-12-08
📄
capital-allotment-shares
capital · SH01
2021-12-06
📄
memorandum-articles
incorporation · MA
2021-12-06
📄
resolution
resolution · RESOLUTIONS
2021-11-25
➕
MACNAB, Bruce appointed
director
2021-11-24
📄
change-account-reference-date-company-previous-shortened
accounts · AA01
2021-02-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-08-02
➖
JORDAN COMPANY SECRETARIES LIMITED resigned
corporate-secretary
2010-02-18
➕
ANDERSON, Heather Denise appointed
director
2004-04-17
➕
JORDAN COMPANY SECRETARIES LIMITED appointed
corporate-secretary
2004-04-16
➖
JORDAN COMPANY SECRETARIES LIMITED resigned
corporate-nominee-secretary
2003-02-17
🏢
Company incorporated
As ARGYLL WEALTH CONSULTANTS LIMITED
2003-02-17
➕
ANDERSON, Russell appointed
director
2003-02-17
➕
JORDAN COMPANY SECRETARIES LIMITED appointed
corporate-nominee-secretary
2003-02-17
➕
OSWALDS OF EDINBURGH LIMITED appointed
corporate-nominee-secretary
2003-02-17
➖
OSWALDS OF EDINBURGH LIMITED resigned
corporate-nominee-secretary
2003-02-17
➕
JORDANS (SCOTLAND) LIMITED appointed
corporate-nominee-director
2003-02-17
➖
JORDANS (SCOTLAND) LIMITED resigned
corporate-nominee-director

Owner dependency

83/100

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

+Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 69 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100

Likely off-market candidate

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Russell Anderson Individual · Scottish · DOB 10/1957 · age 69	50–75%	50–75%	50-75% shares · 50-75% voting	06/04/2016
Mr Bruce Macnab Individual · British · DOB 05/1963 · age 63	25–50%	25–50%	25-50% shares · 25-50% voting	25/11/2021

1 historic (ceased) PSC

Mrs Heather Denise Andersonceased 25/11/2021· 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 →

Similar companies

Active · Financial services · PA postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AFFLUENT FINANCIAL PLANNING LTD.→ SC161571 · est 1995	—	—	—	700	30y	82	62y
FIREBIRD CAPITAL LTD→ SC244105 · est 2003	—	—	—	—	23y	82	73y
MANOR PARK FINANCIAL SERVICES LIMITED→ SC133100 · est 1991 · no financials extracted	—	—	—	—	34y	82	69y
ADVANCED (SCOTLAND) LIMITED→ SC280438 · est 2005	—	—	£106.0k	—	21y	81	64y
FINANCIAL PLANNING OPTIONS LTD→ SC319521 · est 2007	—	—	£278.2k	—	19y	81	59y
A & J MORTGAGES LIMITED→ SC287935 · est 2005	—	—	£9.7k	—	20y	80	63y
ADVANCED FINANCIAL STRATEGIES LIMITED→ SC303141 · est 2006	—	—	£13.0k	—	19y	80	66y
MAIR FINANCE LIMITED→ SC585979 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
MORANSH FINANCIAL SERVICES LIMITED→ SC772473 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
MORTGAGE SOURCING LIMITED→ SC646474 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
NJK LOSS ADJUSTERS LTD→ SC754124 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
PHOENIX WEALTH SOLUTIONS LIMITED→ SC222334 · est 2001 · no financials extracted	—	—	—	—	24y	—	—

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

Incorporated2003-02-17

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

The Old Surgery

School Road

Tarbert

Argyll

PA29 6UL

Scotland

Filing status

Accounts

Next due: 2026-11-30

Last made up to: 2025-02-28

Confirmation statement

Next due: 2027-03-03

Last: 2026-02-17

Officers (3 active · 4 resigned)

ANDERSON, Heather Denise→

director · ~58y · appointed 2010-02-18

View their other companies + combined net worth →

Active

ANDERSON, Russell→

director · ~69y · appointed 2003-02-17

View their other companies + combined net worth →

Active

MACNAB, Bruce→

director · ~63y · appointed 2021-11-25

View their other companies + combined net worth →

Active

JORDAN COMPANY SECRETARIES LIMITED→

corporate-secretary · appointed 2004-04-17 · resigned 2016-08-02

Resigned

JORDAN COMPANY SECRETARIES LIMITED→

corporate-nominee-secretary · appointed 2003-02-17 · resigned 2004-04-16

Resigned

OSWALDS OF EDINBURGH LIMITED→

corporate-nominee-secretary · appointed 2003-02-17 · resigned 2003-02-17

Resigned

JORDANS (SCOTLAND) LIMITED→

corporate-nominee-director · appointed 2003-02-17 · resigned 2003-02-17

Resigned

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

Recent filings (78 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-02-25

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-11-28

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-02-17

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-11-26

change-account-reference-date-company-previous-extended

accounts · AA01

2024-11-24

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-02-23

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-11-24

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-02-20

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-01-31

change-account-reference-date-company-previous-shortened

accounts · AA01

2022-11-24

confirmation-statement-with-updates

confirmation-statement · CS01

2022-02-24

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-02-24

appoint-person-director-company-with-name-date

officers · AP01

2021-12-12

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2021-12-12

notification-of-a-person-with-significant-control

persons-with-significant-control · PSC01

2021-12-12