INNOVATE FINANCIAL SERVICES LIMITED

⚰️Wound downdissolved
SC337535 · ltd · incorporated 2008-02-09
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 7.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
£1.24M
year to Dec 2019
Net worth
—
book net assets
Opportunity
57/100
Worth a look
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Special-situation opportunity
Distressed financial-services with salvageable qualities — special-situations priority.

Opportunity 57/100 (worth a look), bankability 80/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: strategic trade sale (88/100).

🏦

Refinance opportunity

2 live charges · oldest 7.2y

95/100
ready

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

  • · Oldest live charge is 7.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.
  • · Profitable and stable/growing — lender coverage supportable.

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
11 officers (3 active, 11 linked, 9 with DOB)
86
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
20 connected companies via shared directors
90
Filing history
71 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
57/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
30
Concerning — overdue filings or status flags present.
Acquirability
50
Some acquirability indicators.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Profitable
Profit before tax £483,256

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2019-12-31
Turnover£1.24M
Gross profit£1.24M
Operating profit£483.4k
Profit before tax£483.3k
Average employees1200

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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (47 events)Click to expand
  1. 2021-06-01
    📄
    gazette-dissolved-voluntary
    gazette · GAZ2(A)
  2. 2021-06-01
    🏁
    Company dissolved
  3. 2021-03-16
    📄
    gazette-notice-voluntary
    gazette · GAZ1(A)
  4. 2021-03-04
    📄
    dissolution-application-strike-off-company
    dissolution · DS01
  5. 2021-02-04
    ➖
    CAMPBELL, Colin William resigned
    director
  6. 2021-02-04
    ➖
    MCKENZIE, Ian William James resigned
    director
  7. 2021-02-04
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2021-02-04
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2020-12-22
    📄
    accounts-with-accounts-type-full
    accounts · AA
  10. 2020-08-05
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2020-08-05
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2020-08-05
    🔓
    Charge satisfied #2
  13. 2020-08-05
    🔓
    Charge satisfied #1
  14. 2020-07-15
    📄
    memorandum-articles
    incorporation · MA
  15. 2020-07-15
    📄
    resolution
    resolution · RESOLUTIONS
  16. 2019-08-23
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  17. 2019-04-29
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2019-04-11
    ➖
    DONALD, Christopher Keith resigned
    director
  19. 2019-02-25
    📄
    resolution
    resolution · RESOLUTIONS
  20. 2019-02-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2019-02-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  22. 2019-02-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  23. 2019-02-05
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  24. 2019-02-05
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  25. 2019-02-05
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  26. 2019-02-05
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  27. 2019-02-05
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  28. 2019-02-05
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  29. 2019-01-31
    ➕
    ALLEN, Steven Michael appointed
    director
  30. 2019-01-31
    ➕
    MOLES, Neil appointed
    director
  31. 2019-01-31
    ➕
    WILLIS, Charlotte Emily appointed
    director
  32. 2019-01-31
    ➖
    DONALD, Julie Margaret resigned
    secretary
  33. 2019-01-31
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  34. 2019-01-31
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  35. 2016-08-01
    ➖
    FINDLAY, Richard resigned
    director
  36. 2015-12-22
    ➕
    MCKENZIE, Ian William James appointed
    director
  37. 2015-12-11
    ➕
    CAMPBELL, Colin William appointed
    director
  38. 2014-09-18
    ➖
    DUFF, Peter resigned
    director
  39. 2014-06-04
    ➕
    DONALD, Julie Margaret appointed
    secretary
  40. 2014-06-04
    ➖
    MAXMAC REGISTRATIONS LIMITED resigned
    corporate-secretary
  41. 2011-01-27
    ➕
    FINDLAY, Richard appointed
    director
  42. 2008-05-14
    ➕
    DONALD, Christopher Keith appointed
    director
  43. 2008-02-09
    🏢
    Company incorporated
    As INNOVATE FINANCIAL SERVICES LIMITED
  44. 2008-02-09
    ➕
    MAXMAC REGISTRATIONS LIMITED appointed
    corporate-secretary
  45. 2008-02-09
    ➕
    DUFF, Peter appointed
    nominee-director
  46. 2008-02-09
    ➖
    DUFF, Peter resigned
    nominee-director
  47. 2008-02-09
    ➕
    DUFF, Peter appointed
    director

Owner dependency

50/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

Succession & seller-readiness

40/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryStable-but-static management: Company is 18 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

1 high ·
Company dissolved
high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2021-06-01

Group structure

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

🏛️
Lawsco Holdings Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
INNOVATE FINANCIAL SERVICES LIMITED
This company · SC337535

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
Lawsco Holdings Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control31/01/2019
1 historic (ceased) PSC
  • Mr Christopher Keith Donaldceased 31/01/2019· 50-75% 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 →

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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

Statusdissolved
Typeltd
Incorporated2008-02-09
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Investment House
One Alvanley Terrace
Edinburgh
EH9 1DU

Filing status

Accounts
Next due: —
Last made up to: 2019-12-31
Confirmation statement
Next due: —
Last: —

Officers (0 active · 8 resigned)

ALLEN, Steven Michael→
director · ~45y · appointed 2019-01-31
View their other companies + combined net worth →
Active
MOLES, Neil→
director · ~47y · appointed 2019-01-31
View their other companies + combined net worth →
Active
WILLIS, Charlotte Emily→
director · ~54y · appointed 2019-01-31
View their other companies + combined net worth →
Active
DONALD, Julie Margaret→
secretary · appointed 2014-06-04 · resigned 2019-01-31
Resigned
MAXMAC REGISTRATIONS LIMITED→
corporate-secretary · appointed 2008-02-09 · resigned 2014-06-04
Resigned
CAMPBELL, Colin William→
director · ~51y · appointed 2015-12-11 · resigned 2021-02-04
Resigned
DONALD, Christopher Keith→
director · ~74y · appointed 2008-05-14 · resigned 2019-04-11
Resigned
DUFF, Peter→
nominee-director · ~68y · appointed 2008-02-09 · resigned 2008-02-09
Resigned
DUFF, Peter→
director · ~68y · appointed 2008-02-09 · resigned 2014-09-18
Resigned
FINDLAY, Richard→
director · ~83y · appointed 2011-01-27 · resigned 2016-08-01
Resigned
MCKENZIE, Ian William James→
director · ~57y · appointed 2015-12-22 · resigned 2021-02-04
Resigned

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

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Barclays
Barclays Bank PLC
A registered charge—31/01/201905/08/2020
satisfied
Barclays
Barclays Bank PLC
A registered charge—31/01/201905/08/2020

Recent filings (71 total)

gazette-dissolved-voluntary
gazette · GAZ2(A)
2021-06-01
gazette-notice-voluntary
gazette · GAZ1(A)
2021-03-16
dissolution-application-strike-off-company
dissolution · DS01
2021-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-09
termination-director-company-with-name-termination-date
officers · TM01
2021-02-04
termination-director-company-with-name-termination-date
officers · TM01
2021-02-04
accounts-with-accounts-type-full
accounts · AA
2020-12-22
mortgage-satisfy-charge-full
mortgage · MR04
2020-08-05
mortgage-satisfy-charge-full
mortgage · MR04
2020-08-05
memorandum-articles
incorporation · MA
2020-07-15
resolution
resolution · RESOLUTIONS
2020-07-15
confirmation-statement-with-updates
confirmation-statement · CS01
2020-02-10
change-account-reference-date-company-current-extended
accounts · AA01
2019-08-23
termination-director-company-with-name-termination-date
officers · TM01
2019-04-29
resolution
resolution · RESOLUTIONS
2019-02-25