SCOTIA WEALTH MANAGEMENT LTD.

🌳Matureactive
SC267795 · ltd · incorporated 2004-05-12
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 10.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 58). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 10.2y

85/100
ready

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

  • · Oldest live charge is 10.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 4 with DOB)
86
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
68 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£70k£141k£211k£281k£352kMar 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—£357.0k
Current assets—£348.3k
Cash—£177.9k
Debtors—£170.4k
Net assets—£351.7k
Average employees1300—

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 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
5
filings
  • • 3 persons-with-significant-control
  • • 1 officers
  • • 1 mortgage
Last 180 days
6
filings
  • • 3 persons-with-significant-control
  • • 1 officers
  • • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2026-04-02
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  2. 2026-04-02
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  3. 2026-04-02
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  4. 2026-04-02
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  5. 2026-04-01
    ➕
    STIRRUP, Michael Paul appointed
    director
  6. 2026-03-09
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2026-03-09
    🔓
    Charge satisfied #1
  8. 2025-12-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2025-08-04
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2024-12-19
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2023-12-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2022-12-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2021-12-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2021-05-24
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2021-03-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2021-01-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  17. 2020-11-26
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  18. 2020-01-02
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  19. 2019-05-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  20. 2018-12-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2016-03-01
    🔒
    Charge registered #1
    Lender: Beauchamp & Hoffmann LLP
  22. 2008-05-26
    ➕
    SMITH, William Charles appointed
    director
  23. 2008-05-26
    ➖
    BURKS, Pamela Alison resigned
    secretary
  24. 2008-05-26
    ➖
    HOOK, Margaret Josephine resigned
    director
  25. 2008-01-25
    ➖
    HOOK, Benjamin David resigned
    director
  26. 2004-08-01
    ➕
    HOOK, Benjamin David appointed
    director
  27. 2004-05-12
    🏢
    Company incorporated
    As SCOTIA WEALTH MANAGEMENT LTD.
  28. 2004-05-12
    ➕
    BURKS, Pamela Alison appointed
    secretary
  29. 2004-05-12
    ➕
    HOOK, Margaret Josephine appointed
    director

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 18 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

59/100
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 18 years.
  • 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.)

Group structure

Reeves Group Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Reeves Group Holdings Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
SCOTIA WEALTH MANAGEMENT LTD.
This company · SC267795

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Reeves Group Holdings Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control01/04/2026
2 historic (ceased) PSCs
  • Mr William Charles Smithceased 01/04/2026· 75-100% shares
  • Mr William Charles Smithceased 01/04/2026· 75-100% 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 · EH postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
AMATI GLOBAL INVESTORS LIMITED→
SC199908 · est 1999
£8.90M
£6.47M–£11.33M
——280026y8466y
CS MANAGERS LTD→
SC231678 · est 2002
£1.50M
£1.09M–£1.91M
——120023y8677y
GBCP VII (GENERAL PARTNER) LIMITED→
SC253395 · est 2003 · no financials extracted
————22y8362y
NOBLE GROSSART LIMITED→
SC046265 · est 1969 · no financials extracted
————57y8372y
PREMIER COMMERCIAL LIMITED→
SC160330 · est 1995
——£282.5k—30y8361y
RIA CAPITAL MARKETS LIMITED→
SC226461 · est 2001 · no financials extracted
————24y8358y
ALAN STEEL (ASSET MANAGEMENT) LIMITED→
SC058014 · est 1975
———4450y8262y
ALEX HAMMOND-CHAMBERS & COMPANY→
SC126819 · est 1990 · no financials extracted
————35y8284y
BANDRON LIMITED→
SC082385 · est 1983
———40043y8271y
BRIDGEPOINT EUROPE (SGP) LTD→
SC332267 · est 2007 · no financials extracted
————18y8261y
FAMILY & BUSINESS ASSURANCE (SERVICES) LIMITED→
SC347357 · est 2008
——£50.9k—17y8267y
HAMILTON DALRYMPLE TRUST COMPANY.→
SC017910 · est 1934 · no financials extracted
————91y8271y
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
Incorporated2004-05-12
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

36-38 Salamander Street
Edinburgh
EH6 7HZ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-05-26
Last: 2025-05-12

Officers (2 active · 3 resigned)

SMITH, William Charles→
director · ~58y · appointed 2008-05-26
View their other companies + combined net worth →
Active
STIRRUP, Michael Paul→
director · ~48y · appointed 2026-04-01
View their other companies + combined net worth →
Active
BURKS, Pamela Alison→
secretary · appointed 2004-05-12 · resigned 2008-05-26
Resigned
HOOK, Benjamin David→
director · ~46y · appointed 2004-08-01 · resigned 2008-01-25
Resigned
HOOK, Margaret Josephine→
director · ~76y · appointed 2004-05-12 · resigned 2008-05-26
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Beauchamp & Hoffmann
Beauchamp & Hoffmann LLP
A registered charge—01/03/201609/03/2026

Recent filings (68 total)

cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-04-02
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-04-02
appoint-person-director-company-with-name-date
officers · AP01
2026-04-02
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-04-02
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-06
change-person-director-company-with-change-date
officers · CH01
2025-08-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-12
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-24
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-26
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-12-30