FALKIRK INDEPENDENT FINANCIAL CONSULTANTS LIMITED
💤Zombieactive
SC273900 · ltd · incorporated 2004-09-27
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.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No material changes in the last 90 days.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2025
Net worth
£324.4k
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
PursueStrong opportunity: asset-holding vehicle with exceptional profile and bankable structure.
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 58). 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).
🏦
Refinance opportunity
1 live charge · oldest 7.9y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 7.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 1 with DOB)
77
Ownership & PSC
1 active PSC(s) of 2 total, 2 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
82/100Exceptional
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
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £324,429
Cash YoY
-27%
Year on year
Key financials
3 years extracted from filed iXBRL accountsCash
£198k
↓ 27% YoY
Net Worth
£324k
↑ 42% YoY
Current Assets
£437k
↑ 36% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-10-31 | 2024-10-31 | 2023-10-31 |
|---|---|---|---|
| Total assets | £324.4k | £228.4k | £250.6k |
| Current assets | £437.1k | £321.1k | £372.1k |
| Cash | £197.7k | £270.0k | £191.6k |
| Debtors | £239.4k | £51.2k | £180.5k |
| Net assets | £324.4k | £228.4k | £220.6k |
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
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-07-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-27🔓Charge satisfied #1
- 2024-09-10📄change-person-director-company-with-change-dateofficers · CH01
- 2024-06-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-05-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-16📄capital-allotment-sharescapital · SH01
- 2023-03-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-05📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-01-05📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2022-09-28➕STEWART, Anne appointedsecretary
- 2022-09-28➖RICHARDSON, Winifred resignedsecretary
- 2022-04-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-04-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-04-04📄change-person-director-company-with-change-dateofficers · CH01
- 2022-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-17📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2022-03-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-03-10📄capital-name-of-class-of-sharescapital · SH08
- 2022-03-10📄resolutionresolution · RESOLUTIONS
- 2022-03-10📄capital-allotment-sharescapital · SH01
- 2022-03-10📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-09-21🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2004-09-27🏢Company incorporatedAs FALKIRK INDEPENDENT FINANCIAL CONSULTANTS LIMITED
- 2004-09-27➕RICHARDSON, Craig James appointeddirector
- 2004-09-27➕RICHARDSON, Winifred appointedsecretary
Owner dependency
93/100
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
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
Succession & seller-readiness
85/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. 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 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 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
cleanNo 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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Craig James Richardson Individual · British · DOB 04/1968 · age 58 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
1 historic (ceased) PSC
- Mrs Anne Stewartceased 10/11/2023· 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 · Trade services · FK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| GLOBAL VOICES LTD.→ SC270103 · est 2004 | £2.08M £1.56M–£2.60M | — | — | 52 | 22y | 82 | 52y |
| DOLLAR ANTIQUES LTD→ SC742384 · est 2022 | £32.8k £24.6k–£41.0k | £383.8k | — | 500 | 3y | 89 | 60y |
| POCKET ROCKET CREATIVE LTD.→ SC314831 · est 2007 | — | — | £192.2k | — | 19y | 83 | 59y |
| THE LAW GROUP SCOTLAND LIMITED→ SC366593 · est 2009 | — | — | £18.1k | — | 16y | 83 | 61y |
| ALBION VEHICLE WASH ENGINEERS (CENTRAL) LTD.→ SC319156 · est 2007 | — | — | — | 2 | 19y | 82 | 61y |
| C E CONTRACTS LIMITED→ SC385639 · est 2010 | — | — | £1.45M | — | 15y | 82 | 61y |
| CARBROOK PROPERTIES LIMITED→ SC234755 · est 2002 | — | — | £76.6k | — | 23y | 82 | 70y |
| CASTLE VIEW VENTURES LIMITED→ SC334617 · est 2007 · no financials extracted | — | — | — | — | 18y | 82 | 65y |
| CLAIVER LIMITED→ SC293836 · est 2005 | — | — | £1.9k | — | 20y | 82 | 67y |
| CLARENCE NURSERY LTD.→ SC184732 · est 1998 | — | — | £152.2k | — | 28y | 82 | 67y |
| FRAMED IMAGES GALLERIES LIMITED→ SC190183 · est 1998 | — | — | £75.2k | — | 27y | 82 | 70y |
| KARE GARDENS LTD.→ SC255138 · est 2003 | — | — | — | 200 | 22y | 82 | 64y |
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
Incorporated2004-09-27
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.
Registered office
Unit 5 Gateway Business Park
Beancross Road
Grangemouth
FK3 8WX
Scotland
Filing status
Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2027-01-17
Last: 2026-01-03
Officers (2 active · 1 resigned)
Active
RICHARDSON, Craig James→
Activedirector · ~58y · appointed 2004-09-27
View their other companies + combined net worth →
RICHARDSON, Winifred→
Resignedsecretary · appointed 2004-09-27 · resigned 2022-09-28
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 21/09/2018 | 27/09/2024 |
Recent filings (83 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-07-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-14
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-27
change-person-director-company-with-change-date
officers · CH01
2024-09-10
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-06-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-17
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-03
capital-allotment-shares
capital · SH01
2023-11-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-13
termination-secretary-company-with-name-termination-date
officers · TM02
2023-01-05
appoint-person-secretary-company-with-name-date
officers · AP03
2023-01-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-05