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.
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 snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£3.6k
book net assets
Opportunity
75/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong 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 declared
Positive net assets
Net assets £3,597

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£4k
↑ 2148% YoY
Current Assets
£33k
↑ 21% YoY
Current Liabilities
—
£0£7k£13k£20k£26k£33kMar 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£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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
  1. 2025-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-05-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-03-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2024-03-28
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  5. 2023-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2023-03-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-03-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2018-11-19
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2017-12-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2016-12-31
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2016-03-15
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-12-31
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2008-01-23
    🏢
    Company incorporated
    As CLYDEVALLEY FINANCIAL SOLUTIONS LIMITED
  17. 2008-01-23
    ➕
    WALSH, Morag appointed
    secretary
  18. 2008-01-23
    ➕
    WALSH, Stephen appointed
    director

Owner dependency

90/100
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
  • +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 signal

Multiple 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

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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Stephen Walsh
Individual · British · DOB 03/1970 · age 56
75–100%
75–100%board control75-100% shares · 75-100% voting · board control01/07/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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——£1.24M—70y8276y
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——£14.1k—24y8266y
A.J. OPTIONS LIMITED→
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———40024y8070y
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——£524—20y8068y
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——£348.5k—22y8067y
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——£30.5k—17y8066y
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————52y8071y
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
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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.

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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)

WALSH, Morag→
secretary · appointed 2008-01-23
View their other companies + combined net worth →
Active
WALSH, Stephen→
director · ~56y · appointed 2008-01-23
View their other companies + combined net worth →
Active

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