FINALTY SERVICES LIMITED

🌳Matureactive
SC416514 · ltd · incorporated 2012-02-08
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 Jul 2025
Net worth
£8.5k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Management consultancy activities other than financial management
Sector: Professional, scientific & technical
Investor take
Pursue
Asset-holding vehicle with a 74-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 74). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
7 officers (5 active, 7 linked, 5 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
40 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.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £8,467
Net assets shrinking
Down £2,127 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£8k
↓ 20% YoY
Current Assets
£10k
↓ 34% YoY
Current Liabilities
—
£0£3k£6k£9k£13k£16kJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-07-312024-07-31
Total assets£8.5k£10.6k
Current assets£10.4k£15.8k
Net assets£8.5k£10.6k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal 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
1
filing
  • • 1 accounts
Last 90 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2026-04-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-04-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-12-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-04-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-04-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-04-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-06-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-04-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-01-25
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2019-01-14
    ➕
    LAING, David Kemlo appointed
    director
  11. 2018-04-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2017-04-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-04-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2016-03-03
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2016-03-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2015-03-25
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2012-02-08
    🏢
    Company incorporated
    As FINALTY SERVICES LIMITED
  18. 2012-02-08
    ➕
    GRAY, Susanna Margaret appointed
    secretary
  19. 2012-02-08
    ➕
    GRAY, Susanna Margaret appointed
    director
  20. 2012-02-08
    ➕
    KENNEDY, Julia Elizabeth appointed
    director
  21. 2012-02-08
    ➕
    LAING, Marina appointed
    director
  22. 2012-02-08
    ➕
    LC SECRETARIES LIMITED appointed
    corporate-secretary
  23. 2012-02-08
    ➖
    LC SECRETARIES LIMITED resigned
    corporate-secretary
  24. 2012-02-08
    ➕
    LEIPER, Pamela Summers appointed
    director
  25. 2012-02-08
    ➖
    LEIPER, Pamela Summers resigned
    director

Owner dependency

63/100
High — earn-out structure required

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

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 74 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

73/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 14 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mrs Susanna Margaret Gray
Individual · British · DOB 12/1981 · age 45
25–50%
—25-50% shares08/02/2017

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
Incorporated2012-02-08
Jurisdictionscotland
Primary SIC70229 — Management consultancy activities other than financial management

Registered office

22 Mclaren Road
Edinburgh
EH9 2BN

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-02-22
Last: 2026-02-08

Officers (5 active · 2 resigned)

GRAY, Susanna Margaret→
secretary · appointed 2012-02-08
View their other companies + combined net worth →
Active
GRAY, Susanna Margaret→
director · ~45y · appointed 2012-02-08
View their other companies + combined net worth →
Active
KENNEDY, Julia Elizabeth→
director · ~47y · appointed 2012-02-08
View their other companies + combined net worth →
Active
LAING, David Kemlo→
director · ~73y · appointed 2019-01-14
View their other companies + combined net worth →
Active
LAING, Marina→
director · ~74y · appointed 2012-02-08
View their other companies + combined net worth →
Active
LC SECRETARIES LIMITED→
corporate-secretary · appointed 2012-02-08 · resigned 2012-02-08
Resigned
LEIPER, Pamela Summers→
director · ~64y · appointed 2012-02-08 · resigned 2012-02-08
Resigned

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

Recent filings (40 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-10
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-13
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-22
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-15
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-11
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-12
accounts-with-accounts-type-micro-entity
accounts · AA
2020-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-24
accounts-with-accounts-type-micro-entity
accounts · AA
2019-04-18