NINE EDGE WEALTH (EDINBURGH) LIMITED

🌳Matureactive
SC525344 · ltd · incorporated 2016-01-28
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£350
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 80/100. 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).

🏦

Refinance opportunity

1 live charge · oldest 0.3y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Newest facility, 0.3 years old — likely still in initial term.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 23/100 — clean.

Data confidence

Overall: medium (73/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (2 active, 6 linked, 6 with DOB)
90
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
41 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
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
69
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £350

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
£350
Current Assets
£48k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-01-31
Total assets£350
Current assets£48.5k
Net assets£350

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

Recent activity

Last 30 days
2
filings
  • • 1 address
  • • 1 change-of-name
Last 90 days
2
filings
  • • 1 address
  • • 1 change-of-name
Last 180 days
10
filings
  • • 4 officers
  • • 2 persons-with-significant-control
  • • 1 address
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
  1. 2026-07-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2026-07-09
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  3. 2026-04-02
    ➖
    MURRAY, Richard Alan resigned
    director
  4. 2026-04-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2026-03-25
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  6. 2026-03-24
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2026-03-24
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  8. 2026-03-24
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2026-03-24
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  10. 2026-03-24
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2026-03-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2026-03-17
    ➕
    AUGUSTIN, Kyle appointed
    director
  13. 2026-03-17
    ➕
    MILES, Derek George appointed
    director
  14. 2026-03-17
    ➖
    MURRAY, Mairi Dorothy resigned
    director
  15. 2026-03-17
    🔒
    Charge registered #1
    Lender: B.P.Marsh & Company Limited
  16. 2025-11-11
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2025-10-31
    ➕
    MURRAY, Mairi Dorothy appointed
    director
  18. 2025-10-15
    ➖
    MURRAY, Mairi Dorothy resigned
    director
  19. 2025-10-15
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  20. 2025-05-09
    📄
    second-filing-of-confirmation-statement-with-made-up-date
    confirmation-statement · RP04CS01
  21. 2025-04-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  22. 2025-03-03
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  23. 2025-03-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  24. 2025-03-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  25. 2024-11-11
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  26. 2024-10-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  27. 2024-02-19
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  28. 2023-10-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  29. 2023-07-27
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  30. 2023-07-15
    ➕
    MURRAY, Mairi Dorothy appointed
    director
  31. 2017-01-30
    ➖
    DOCHERTY, Hugh Joseph resigned
    director
  32. 2016-01-28
    🏢
    Company incorporated
    As NINE EDGE WEALTH (EDINBURGH) LIMITED
  33. 2016-01-28
    ➕
    DOCHERTY, Hugh Joseph appointed
    director
  34. 2016-01-28
    ➕
    MURRAY, Richard Alan appointed
    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 59 — approaching natural succession window.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

2 med ·
3 director resignations in last 12 months
medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: MURRAY, Mairi Dorothy resigned 2026-03-17; MURRAY, Mairi Dorothy resigned 2025-10-15; MURRAY, Richard Alan resigned 2026-04-02

Name changed recently
medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2026-07-09: certificate-change-of-name-company

Group structure

Nine Edge Wealth Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Nine Edge Wealth Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
NINE EDGE WEALTH (EDINBURGH) LIMITED
This company · SC525344

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Nine Edge Wealth Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control17/03/2026
3 historic (ceased) PSCs
  • Reid Murray Ltdceased 17/03/2026· 75-100% shares
  • Mrs Mairi Dorothy Murrayceased 29/10/2024· 25-50% shares
  • Mr Richard Alan Murrayceased 29/10/2024· 75-100% shares · 75-100% voting · board control

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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——280026y8466y
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——120024y8677y
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————22y8362y
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————57y8372y
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————15y8361y
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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 →
🔒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
Incorporated2016-01-28
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

19a Hill Street
Edinburgh
EH2 3JP
Scotland

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-01-28
Last: 2026-01-14

Officers (2 active · 4 resigned)

AUGUSTIN, Kyle→
director · ~50y · appointed 2026-03-17
View their other companies + combined net worth →
Active
MILES, Derek George→
director · ~59y · appointed 2026-03-17
View their other companies + combined net worth →
Active
DOCHERTY, Hugh Joseph→
director · ~67y · appointed 2016-01-28 · resigned 2017-01-30
Resigned
MURRAY, Mairi Dorothy→
director · ~56y · appointed 2025-10-31 · resigned 2026-03-17
Resigned
MURRAY, Mairi Dorothy→
director · ~56y · appointed 2023-07-15 · resigned 2025-10-15
Resigned
MURRAY, Richard Alan→
director · ~58y · appointed 2016-01-28 · resigned 2026-04-02
Resigned

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
B.P.Marsh & Company
B.P.Marsh & Company Limited
A registered charge—17/03/2026—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (41 total)

change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-07-10
certificate-change-of-name-company
change-of-name · CERTNM
2026-07-09
termination-director-company-with-name-termination-date
officers · TM01
2026-04-02
change-account-reference-date-company-current-shortened
accounts · AA01
2026-03-25
appoint-person-director-company-with-name-date
officers · AP01
2026-03-24
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-03-24
appoint-person-director-company-with-name-date
officers · AP01
2026-03-24
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-24
termination-director-company-with-name-termination-date
officers · TM01
2026-03-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-14
appoint-person-director-company-with-name-date
officers · AP01
2025-11-11
termination-director-company-with-name-termination-date
officers · TM01
2025-10-15
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2025-05-09
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-15