ADVANCED FINANCIAL STRATEGIES LIMITED

🌳Matureactive
SC303141 · ltd · incorporated 2006-05-30
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£13.0k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65201Life reinsurance
  • 65300Pension funding
Investor take
Pursue
Asset-holding vehicle with a 66-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (79/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 3 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
3 officers (2 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
63 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 £13,026
Net assets shrinking
Down £78,772 YoY
Cash YoY
-22%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£118k
↓ 22% YoY
Net Worth
£13k
↓ 86% YoY
Current Assets
£128k
↓ 41% YoY
Current Liabilities
—
£0£44k£87k£131k£174k£218kMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-05-312024-05-31
Total assets£32.9k£117.2k
Current assets£128.3k£217.8k
Cash£118.4k£150.9k
Debtors£9.9k£66.9k
Net assets£13.0k£91.8k

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
1
filing
  • • 1 persons-with-significant-control
Last 180 days
2
filings
  • • 1 persons-with-significant-control
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2026-02-16
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2025-09-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-01-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-11-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-01-25
    ➖
    HILLCOAT, Shona resigned
    secretary
  6. 2023-01-25
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  7. 2022-11-01
    📄
    capital-cancellation-shares
    capital · SH06
  8. 2022-10-24
    📄
    resolution
    resolution · RESOLUTIONS
  9. 2022-10-24
    📄
    capital-return-purchase-own-shares
    capital · SH03
  10. 2022-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-11-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-06-07
    📄
    capital-cancellation-shares
    capital · SH06
  13. 2021-05-21
    📄
    capital-return-purchase-own-shares
    capital · SH03
  14. 2021-05-17
    📄
    resolution
    resolution · RESOLUTIONS
  15. 2021-04-14
    📄
    capital-allotment-shares
    capital · SH01
  16. 2021-04-13
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  17. 2020-08-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2019-10-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2019-09-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  20. 2008-10-09
    ➕
    MORRISON, Kenneth Stuart appointed
    director
  21. 2006-05-30
    🏢
    Company incorporated
    As ADVANCED FINANCIAL STRATEGIES LIMITED
  22. 2006-05-30
    ➕
    CLARK, Anne appointed
    director
  23. 2006-05-30
    ➕
    HILLCOAT, Shona appointed
    secretary

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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 66 — succession pressure is live.

Succession & seller-readiness

79/100
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 66. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 20 years.
  • secondaryStable-but-static management: Company is 20 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
NameSharesVoting rightsNature of controlNotified
Mr Kenneth Stuart Morrison
Individual · British · DOB 08/1960 · age 66
50–75%
—50-75% shares30/05/2017
Miss Anne Clark
Individual · British · DOB 07/1961 · age 65
25–50%
25–50%board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence · firm interest13/04/2021

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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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
Incorporated2006-05-30
Jurisdictionscotland
Primary SIC65110 — Life insurance

Registered office

15 Glasgow Road
Paisley
PA1 3QS
Scotland

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-02-03
Last: 2026-01-20

Officers (2 active · 1 resigned)

CLARK, Anne→
director · ~65y · appointed 2006-05-30
View their other companies + combined net worth →
Active
MORRISON, Kenneth Stuart→
director · ~66y · appointed 2008-10-09
View their other companies + combined net worth →
Active
HILLCOAT, Shona→
secretary · appointed 2006-05-30 · resigned 2023-01-25
Resigned

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

Recent filings (63 total)

change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-06
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-28
termination-secretary-company-with-name-termination-date
officers · TM02
2023-01-25
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-25
capital-cancellation-shares
capital · SH06
2022-11-01
resolution
resolution · RESOLUTIONS
2022-10-24
capital-return-purchase-own-shares
capital · SH03
2022-10-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-23