FEMALE INDEPENDENT LTD.

🌳Matureactive
SC245607 · ltd · incorporated 2003-03-13
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 8.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£20.0k
book net assets
Opportunity
83/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 66-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 8.5y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 8.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (73/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
11 officers (4 active, 11 linked, 6 with DOB)
81
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
76 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £20,029

Key financials

1 year extracted from filed iXBRL accounts
Cash
£21k
Net Worth
£20k
Current Assets
£23k
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-31
Total assets£56.4k
Current assets£22.9k
Cash£21.3k
Net assets£20.0k

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
5
filings
  • • 4 officers
  • • 1 confirmation-statement
Last 180 days
8
filings
  • • 5 officers
  • • 1 confirmation-statement
  • • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
  1. 2026-02-27
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  2. 2026-02-20
    ➕
    BROUGH, James Sharp appointed
    director
  3. 2026-02-20
    ➕
    HALKETT, Lesley Jean appointed
    director
  4. 2026-02-20
    ➕
    MCGILL, Douglas William appointed
    director
  5. 2026-02-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2026-02-20
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2026-02-20
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2025-12-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2025-12-10
    ➖
    BEGBIE, Carol Anne resigned
    director
  10. 2025-12-10
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  11. 2025-12-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2025-09-05
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  13. 2025-08-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2025-04-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2024-08-02
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2024-05-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2023-10-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2022-12-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2022-10-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  20. 2021-12-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2021-04-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  22. 2020-10-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2017-11-17
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  24. 2009-09-29
    ➖
    YOUNG, Russell Richard resigned
    secretary
  25. 2009-09-29
    ➕
    BEGBIE, Carol Anne appointed
    director
  26. 2005-10-12
    ➕
    YOUNG, Russell Richard appointed
    secretary
  27. 2005-10-12
    ➖
    YOUNG, Susan Patricia resigned
    secretary
  28. 2005-10-12
    ➖
    BEGBIE, Carol Anne resigned
    director
  29. 2003-03-13
    🏢
    Company incorporated
    As FEMALE INDEPENDENT LTD.
  30. 2003-03-13
    ➕
    YOUNG, Susan Patricia appointed
    director
  31. 2003-03-13
    ➕
    YOUNG, Susan Patricia appointed
    secretary
  32. 2003-03-13
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-secretary
  33. 2003-03-13
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-secretary
  34. 2003-03-13
    ➕
    BEGBIE, Carol Anne appointed
    director
  35. 2003-03-13
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-director
  36. 2003-03-13
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-director
  37. 2003-03-13
    ➕
    PETER TRAINER CORPORATE SERVICES LTD. appointed
    corporate-nominee-director
  38. 2003-03-13
    ➖
    PETER TRAINER CORPORATE SERVICES LTD. resigned
    corporate-nominee-director

Owner dependency

65/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 66 — succession pressure is live.

Succession & seller-readiness

70/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 23 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

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
NameSharesVoting rightsNature of controlNotified
Mrs Susan Patricia Young
Individual · British · DOB 06/1960 · age 66
25–50%
—25-50% shares01/03/2017
1 historic (ceased) PSC
  • Mrs Carol Anne Begbieceased 10/12/2025· 25-50% shares

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 · G postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
@SIPP LIMITED→
SC217126 · est 2001
£37.09M
£26.97M–£47.20M
£10.21M—620025y8562y
FORWARD ASSET FINANCE LIMITED→
SC337979 · est 2008
£1.02M
£744.7k–£1.30M
——50018y8364y
COMMONWEALTH GAMES (SCOTLAND) ENDOWMENT FUND→
SC301214 · est 2006
£22.3k
£16.2k–£28.3k
——020y8366y
BLAIRSTON ENTERPRISES LIMITED→
SC368750 · est 2009
——£2.38M—16y8372y
CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED→
SC200273 · est 1999 · no financials extracted
————26y8359y
HARRY SMITH, LIMITED→
SC008622 · est 1913
——£1.66M—113y8358y
THE LONDON MORTGAGE COMPANY LIMITED→
SC474874 · est 2014 · no financials extracted
————12y——
TMW (COMMERCIAL) LIMITED→
SC781785 · est 2023 · no financials extracted
————2y——
TOMINEY PROFESSIONAL LIMITED→
SC379379 · est 2010 · no financials extracted
————15y——
VAM COMMUNICATIONS LIMITED→
SC757541 · est 2023 · no financials extracted
————3y——
WHA MORTGAGE SERVICES LTD→
SC725550 · est 2022 · no financials extracted
————4y——
WHEATLEY FUNDING NO. 2 LIMITED→
SC470001 · est 2014 · no financials extracted
————12y——
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
Incorporated2003-03-13
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Suite 2 17 Sandyford Place
Glasgow
G3 7NB
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-16
Last: 2026-03-02

Officers (4 active · 7 resigned)

BROUGH, James Sharp→
director · ~61y · appointed 2026-02-20
View their other companies + combined net worth →
Active
HALKETT, Lesley Jean→
director · ~51y · appointed 2026-02-20
View their other companies + combined net worth →
Active
MCGILL, Douglas William→
director · ~49y · appointed 2026-02-20
View their other companies + combined net worth →
Active
YOUNG, Susan Patricia→
director · ~66y · appointed 2003-03-13
View their other companies + combined net worth →
Active
YOUNG, Russell Richard→
secretary · appointed 2005-10-12 · resigned 2009-09-29
Resigned
YOUNG, Susan Patricia→
secretary · appointed 2003-03-13 · resigned 2005-10-12
Resigned
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-secretary · appointed 2003-03-13 · resigned 2003-03-13
Resigned
BEGBIE, Carol Anne→
director · ~64y · appointed 2009-09-29 · resigned 2025-12-10
Resigned
BEGBIE, Carol Anne→
director · ~64y · appointed 2003-03-13 · resigned 2005-10-12
Resigned
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-director · appointed 2003-03-13 · resigned 2003-03-13
Resigned
PETER TRAINER CORPORATE SERVICES LTD.→
corporate-nominee-director · appointed 2003-03-13 · resigned 2003-03-13
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—17/11/2017—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (76 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-06
appoint-person-director-company-with-name-date
officers · AP01
2026-02-27
change-person-director-company-with-change-date
officers · CH01
2026-02-20
appoint-person-director-company-with-name-date
officers · AP01
2026-02-20
appoint-person-director-company-with-name-date
officers · AP01
2026-02-20
termination-director-company-with-name-termination-date
officers · TM01
2025-12-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-12-10
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2025-09-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-26
change-person-director-company-with-change-date
officers · CH01
2025-04-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-05
change-person-director-company-with-change-date
officers · CH01
2024-08-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-06