FIN E-MONEY LTD
🌳Matureactive
SC491717 · ltd · incorporated 2014-11-20
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£-63.8k
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Other information technology service activities
Sector: Information & communication
ALSO REGISTERED FOR
- 64999Financial intermediation not elsewhere classified
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 73/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 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, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 5 total, 5 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
53 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Negative net assets
Liabilities exceed assets by £63,770
Cash YoY
+0%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£182
~ YoY
Net Worth
-£64k
~ YoY
Current Assets
£182
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £-63.8k | £-63.8k |
| Current assets | £182 | £182 |
| Cash | £182 | £182 |
| Net assets | £-63.8k | £-63.8k |
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
4
filings
- • 2 gazette
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2025-12-13📄gazette-filings-brought-up-to-dategazette · DISS40
- 2025-12-10📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-12-09📄gazette-notice-compulsorygazette · GAZ1
- 2025-08-31➕LU, Jiawei appointeddirector
- 2025-08-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-09-06📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-08-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-18✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2022-10-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-10-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-08-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-06-27📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-06-27📄change-person-director-company-with-change-dateofficers · CH01
- 2022-06-09➖LU, Jiawei resigneddirector
- 2022-06-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-05-04➕LI, Zelin, Dr appointeddirector
- 2021-05-04➕LU, Jiawei appointeddirector
- 2021-05-04➖PEET, Frank Henderson resigneddirector
- 2014-11-20🏢Company incorporatedAs FIN E-MONEY LTD
- 2014-11-20➕PEET, Frank Henderson appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Zelin Li Individual · British · DOB 07/1982 · age 44 | 25–50% | 50–75% | board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · trust interest · firm interest | 17/09/2024 |
4 historic (ceased) PSCs
- Ms Jiawei Luceased 05/09/2024· significant influence
- Mr Zelin Liceased 03/10/2022· 25-50% shares
- Ms Jiawei Luceased 19/06/2022· 50-75% shares
- Mr Frank Henderson Peetceased 04/05/2021· 75-100% 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 →Similar companies
Active · Technology · AB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| LUCRANET LTD→ SC873373 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| MARKEDEEN LTD→ SC793337 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| MARTIN N SNAPE CONSULTING LTD.→ SC350650 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| MEDFLUXARA LTD→ SC884141 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| MITOSIS DIGITAL TECHNOLOGIES (MDT) LTD→ SC644745 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| MUKRAS LTD→ SC369337 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| MYONE30 LTD→ SC608084 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| NASHCOMM LTD→ SC604488 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| NEWDAY CHANGE MANAGEMENT LTD→ SC787525 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| NO LEDGE TRAINING LIMITED→ SC373414 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| NORDSHORE LTD→ SC876453 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| NORTH EAST RADIO (SCOT) LTD→ SC765294 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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 →🔒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
Incorporated2014-11-20
Jurisdictionscotland
Primary SIC62090 — Other information technology service activities
Registered office
South Lodge
Kemnay
Inverurie
AB51 5NA
Scotland
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-09-23
Last: 2025-09-09
Officers (2 active · 2 resigned)
LI, Zelin, Dr→
Activedirector · ~44y · appointed 2021-05-04
View their other companies + combined net worth →
Active
LU, Jiawei→
Resigneddirector · ~39y · appointed 2021-05-04 · resigned 2022-06-09
PEET, Frank Henderson→
Resigneddirector · ~64y · appointed 2014-11-20 · resigned 2021-05-04
Click a director name to see their full track record across all companies.
Recent filings (53 total)
gazette-filings-brought-up-to-date
gazette · DISS40
2025-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-10
gazette-notice-compulsory
gazette · GAZ1
2025-12-09
appoint-person-director-company-with-name-date
officers · AP01
2025-08-31
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-09-17
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-09
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-09-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-22
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-28
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-28
certificate-change-of-name-company
change-of-name · CERTNM
2022-10-18