HOWDENGRANGE FINANCIAL SERVICES LIMITED

🌳Matureactive
SC407681 · ltd · incorporated 2011-09-20
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (77/100)

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
4 officers (2 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
37 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Sept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-09-302024-09-30
Average employees400400

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 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2026-04-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-03-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-09-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2023-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-03-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-05-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-04-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-05-29
    📄
    resolution
    resolution · RESOLUTIONS
  11. 2018-01-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2016-11-11
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-01-15
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-11-16
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-01-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2011-09-20
    🏢
    Company incorporated
    As HOWDENGRANGE FINANCIAL SERVICES LIMITED
  17. 2011-09-20
    ➕
    FERRY, Neil appointed
    director
  18. 2011-09-20
    ➕
    LOUDEN, David appointed
    director
  19. 2011-09-20
    ➕
    BRIAN REID LTD. appointed
    corporate-secretary
  20. 2011-09-20
    ➖
    BRIAN REID LTD. resigned
    corporate-secretary
  21. 2011-09-20
    ➕
    MABBOTT, Stephen George appointed
    director
  22. 2011-09-20
    ➖
    MABBOTT, Stephen George resigned
    director

Owner dependency

66/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

59/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 15 years.
  • 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
Neil Ferry
Individual · British · DOB 12/1972 · age 54
25–50%
—25-50% shares01/09/2016
David Louden
Individual · British · DOB 03/1968 · age 58
25–50%
—25-50% shares01/09/2016

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

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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 →
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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.

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Company details

Statusactive
Typeltd
Incorporated2011-09-20
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

109/12a Swanston Road
Edinburgh
Midlothian
EH10 7DS

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-09-10
Last: 2025-08-27

Officers (2 active · 2 resigned)

FERRY, Neil→
director · ~54y · appointed 2011-09-20
View their other companies + combined net worth →
Active
LOUDEN, David→
director · ~58y · appointed 2011-09-20
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-secretary · appointed 2011-09-20 · resigned 2011-09-20
Resigned
MABBOTT, Stephen George→
director · ~76y · appointed 2011-09-20 · resigned 2011-09-20
Resigned

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

Recent filings (37 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-07
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-09-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-29