CLYDEVALLEY FINANCIAL SOLUTIONS LIMITED
💤Zombieactive
SC336573 · ltd · incorporated 2008-01-23
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£3.6k
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (65/100).
Data confidence
Overall: medium (76/100)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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 1 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £3,597
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£4k
↑ 2148% YoY
Current Assets
£33k
↑ 21% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £36.5k | £30.3k |
| Current assets | £32.9k | £27.1k |
| Net assets | £3.6k | £160 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-28📄change-person-director-company-with-change-dateofficers · CH01
- 2024-03-28📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-11-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-12-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-12-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-03-15📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-12-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2008-01-23🏢Company incorporatedAs CLYDEVALLEY FINANCIAL SOLUTIONS LIMITED
- 2008-01-23➕WALSH, Morag appointedsecretary
- 2008-01-23➕WALSH, Stephen appointeddirector
Owner dependency
90/100
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 18 years — deep operational knowledge concentrated in one person.
- +No director turnover: Company is 18 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
68/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 18 years.
- secondaryStable-but-static management: Company is 18 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 Stephen Walsh Individual · British · DOB 03/1970 · age 56 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CALEDONIA CAPITAL LIMITED→ SC719417 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CJ JACKSON LTD→ SC880550 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| DUCKETT FAMILY INVESTMENTS LIMITED→ SC838585 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| GB FINANCIAL SERVICES LIMITED→ SC554846 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| GERUT PROPERTIES LTD→ SC786668 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| H.B. MORTGAGE SOLUTIONS LTD.→ SC304331 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| JM TRADING FX LIMITED→ SC790939 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| JULIE MITCHELL FINANCIAL SERVICES LTD→ SC588003 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| KEANE VENTURES LTD→ SC856718 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| KILLYGORE INVESTMENTS LIMITED→ SC769179 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| KINKELL SERVICES (AIRDRIE) LIMITED→ SC449707 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| KIRKTON INS BROKERS LIMITED→ SC572633 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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
Incorporated2008-01-23
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
25-29 Stewarton Street
Wishaw
ML2 8AA
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-06
Last: 2026-01-23
Officers (2 active · 0 resigned)
Active
WALSH, Stephen→
Activedirector · ~56y · appointed 2008-01-23
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (49 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-01
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-26
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-31
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-28
change-person-director-company-with-change-date
officers · CH01
2024-03-28
change-person-secretary-company-with-change-date
officers · CH03
2024-03-28
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-31
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-24
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-31
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-26