OPA WEALTH MANAGEMENT LIMITED

🏛️Establishedactive
SC598394 · ltd · incorporated 2018-05-29
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 6.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£217.9k
book net assets
Opportunity
74/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 74/100 (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: strategic trade sale (65/100).

🏦

Refinance opportunity

1 live charge · oldest 6.2y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 6.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 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
19 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £217,888

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£218k
↑ 79% YoY
Current Assets
£40k
↑ 86% YoY
Current Liabilities
—
£0£44k£87k£131k£174k£218kMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-05-312024-05-31
Total assets£806.1k£820.1k
Current assets£40.2k£21.6k
Net assets£217.9k£121.5k

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
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (16 events)Click to expand
  1. 2026-03-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-02-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-02-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-01-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-03-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2021-09-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-02-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-02-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2020-02-03
    🔒
    Charge registered #1
    Lender: Metro Bank PLC (As Lender)
  10. 2020-01-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2019-09-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2018-10-31
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2018-10-18
    ➕
    HUNTER, Lynne appointed
    director
  14. 2018-05-29
    🏢
    Company incorporated
    As OPA WEALTH MANAGEMENT LIMITED
  15. 2018-05-29
    ➕
    HUNTER, Charles Andrew appointed
    director
  16. 2018-05-29
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

71/100
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.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

36/100
Weak signal

Limited 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

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 Charles Andrew Hunter
Individual · British · DOB 01/1973 · age 53
75–100%
75–100%board control75-100% shares · 75-100% voting · board control29/05/2018

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

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
Incorporated2018-05-29
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Suite G1, Phoenix House Phoenix Crescent
Strathclyde Business Park
Bellshill
ML4 3NJ
Scotland

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-06-11
Last: 2025-05-28

Officers (2 active · 0 resigned)

HUNTER, Charles Andrew→
director · ~53y · appointed 2018-05-29
View their other companies + combined net worth →
Active
HUNTER, Lynne→
director · ~47y · appointed 2018-10-18
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
Metro Bank
Metro Bank PLC (As Lender)
A registered charge—03/02/2020—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (19 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-28
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-28
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-06
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-16
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-03-03
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-02
accounts-with-accounts-type-micro-entity
accounts · AA
2021-02-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-02-03
accounts-with-accounts-type-micro-entity
accounts · AA
2020-01-27