MILNE WEALTH MANAGEMENT LIMITED
💤Zombieactive
SC436306 · ltd · incorporated 2012-11-07
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 Dec 2024
Net worth
£19.1k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 78/100 (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: share sale to pe / searcher (73/100).
Data confidence
Overall: high (80/100)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
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
31 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
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 102Positive net assets
Net assets £19,058
Cash YoY
+25%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£3k
↑ 25% YoY
Net Worth
£19k
↑ 22% YoY
Current Assets
£16k
↓ 52% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £20.5k | £17.1k |
| Current assets | £16.0k | £33.2k |
| Cash | £3.3k | £2.6k |
| Debtors | £12.7k | £30.6k |
| Net assets | £19.1k | £15.6k |
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 (17 events)Click to expand
- 2025-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-31📄change-person-director-company-with-change-dateofficers · CH01
- 2022-12-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-12-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-01-18📄change-person-director-company-with-change-dateofficers · CH01
- 2020-12-15📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-07-17📄change-person-director-company-with-change-dateofficers · CH01
- 2019-09-20📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-09-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-03-22📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2017-08-25📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-08-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-14📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2012-11-07🏢Company incorporatedAs MILNE WEALTH MANAGEMENT LIMITED
- 2012-11-07➕MILNE, Elaine appointeddirector
Owner dependency
100/100
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.
- +Founder name in company name: Company name contains director surname "MILNE" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +No director turnover: Company is 13 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
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 13 years.
- 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 |
|---|---|---|---|---|
Miss Elaine Milne Individual · British · DOB 07/1968 · age 58 | 75–100% | — | 75-100% shares | 06/11/2016 |
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 →Similar companies
Active · Financial services · DD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| FLATS 4 U LIMITED→ SC145404 · est 1993 · no financials extracted | — | — | — | — | 32y | — | — |
| GARRY HAY INSURE LTD→ SC650095 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| INTELLIGENT MORTGAGE SERVICES LIMITED→ SC241484 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| JP MAXWELL FINANCIAL MANAGEMENT LTD→ SC565531 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| JP MAXWELL WEALTH MANAGEMENT LTD→ SC574312 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| L P PROPERTIES (2008) LIMITED→ SC333716 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| LAND MANAGEMENT (SCOTLAND) LTD.→ SC250200 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| MAKER DBPH LIMITED→ SC790301 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| MD MORTGAGE SOLUTIONS LIMITED→ SC501441 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| MDLC PROPERTY SERVICES LTD→ SC870858 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| MGA FINANCIAL MANAGEMENT LIMITED→ SC189425 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| MLM FINANCIAL SERVICES LTD→ SC724143 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2012-11-07
Jurisdictionscotland
Primary SIC65300 — Pension funding
Registered office
Castlecroft Business Centre
Tom Johnston Road
Dundee
Angus
DD4 8XD
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-21
Last: 2025-11-07
Officers (1 active · 0 resigned)
MILNE, Elaine→
Activedirector · ~58y · appointed 2012-11-07
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (31 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-08
change-person-director-company-with-change-date
officers · CH01
2023-07-31
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-04
change-person-director-company-with-change-date
officers · CH01
2021-01-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-18
change-person-director-company-with-change-date
officers · CH01
2020-07-17