WEMYSS HARBOUR (ASSETS) LIMITED

🌳Matureactive
SC520334 · ltd · incorporated 2015-11-13
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
—
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Turnover
—
year to Mar 2025
Net worth
£2.72M
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Activities of other holding companies n.e.c.
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 65-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -49% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 7.7y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 7.7 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (79/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
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
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
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
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £2,719,353
Net assets shrinking
Down £45,412 YoY
Cash draining
Cash down 49% YoY
Cash YoY
-49%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£1k
↓ 49% YoY
Net Worth
£2.7m
↓ 1.6% YoY
Current Assets
£4.5m
↑ 6.9% YoY
Current Liabilities
—
£0£907k£1.8m£2.7m£3.6m£4.5mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£2.72M£2.76M
Current assets£4.53M£4.24M
Cash£1.1k£2.2k
Debtors£4.53M£4.24M
Net assets£2.72M£2.76M

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

🔒Filing-note intelligence

3 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 (22 events)Click to expand
  1. 2025-11-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2025-11-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-11-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-11-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-10-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-07-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-11-26
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  8. 2021-11-25
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2021-10-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-10-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-10-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-09-18
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2019-09-10
    ➕
    DAVIDSON, Andrew appointed
    director
  14. 2019-07-10
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  15. 2019-03-26
    ➕
    DAVIDSON, John appointed
    secretary
  16. 2019-03-26
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  17. 2018-08-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2018-08-28
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  19. 2018-08-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2018-05-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  21. 2015-11-13
    🏢
    Company incorporated
    As WEMYSS HARBOUR (ASSETS) LIMITED
  22. 2015-11-13
    ➕
    DAVIDSON, John appointed
    director

Owner dependency

81/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

61/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr John Davidson
Individual · British · DOB 03/1961 · age 65
75–100%
—75-100% shares06/04/2016

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 →

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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
Incorporated2015-11-13
Jurisdictionscotland
Primary SIC64209 — Activities of other holding companies n.e.c.

Registered office

Fric Ajax Way
Methil
Leven
KY8 3RS
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-26
Last: 2025-11-12

Officers (3 active · 0 resigned)

DAVIDSON, John→
secretary · appointed 2019-03-26
View their other companies + combined net worth →
Active
DAVIDSON, Andrew→
director · ~32y · appointed 2019-09-10
View their other companies + combined net worth →
Active
DAVIDSON, John→
director · ~65y · appointed 2015-11-13
View their other companies + combined net worth →
Active

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—28/08/2018—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (31 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-19
change-person-director-company-with-change-date
officers · CH01
2025-11-18
change-person-director-company-with-change-date
officers · CH01
2025-11-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-14
change-person-secretary-company-with-change-date
officers · CH03
2021-11-26
change-person-director-company-with-change-date
officers · CH01
2021-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-16