FINANCEYOURBUSINESS LTD
🏛️Establishedactive
SC645642 · ltd · incorporated 2019-10-29
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£150
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 66-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
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
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
16 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
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 · accounting standard not declaredPositive net assets
Net assets £150
Net assets shrinking
Down £698 YoY
Cash YoY
-3%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£22k
↓ 3.0% YoY
Net Worth
£150
↓ 82% YoY
Current Assets
£66k
↑ 4.1% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £5.1k | £15.0k |
| Current assets | £65.6k | £63.1k |
| Cash | £21.7k | £22.4k |
| Debtors | £22.9k | £18.7k |
| Net assets | £150 | £848 |
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
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (12 events)Click to expand
- 2025-08-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-19📄change-person-director-company-with-change-dateofficers · CH01
- 2023-09-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-18📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2019-11-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-10-29🏢Company incorporatedAs FINANCEYOURBUSINESS LTD
- 2019-10-29➕FOSTER, Adrian Thomas appointeddirector
- 2019-10-29➕GRANT, David Ross appointeddirector
- 2019-10-29📄incorporation-companyincorporation · NEWINC
Owner dependency
78/100
High — earn-out structure requiredMaterial 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.
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David Ross Grant Individual · British · DOB 04/1960 · age 66 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 29/10/2019 |
Mr Adrian Thomas Foster Individual · British · DOB 06/1979 · age 47 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 29/10/2019 |
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 · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CALEDONIA CAPITAL LIMITED→ SC719417 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CJ JACKSON LTD→ SC880550 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CLYDEVALLEY FINANCIAL SOLUTIONS LIMITED→ SC336573 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| DUCKETT FAMILY INVESTMENTS LIMITED→ SC838585 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| GB FINANCIAL SERVICES LIMITED→ SC554846 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| GERUT PROPERTIES LTD→ SC786668 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| H.B. MORTGAGE SOLUTIONS LTD.→ SC304331 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| JM TRADING FX LIMITED→ SC790939 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| JULIE MITCHELL FINANCIAL SERVICES LTD→ SC588003 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| KEANE VENTURES LTD→ SC856718 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| KILLYGORE INVESTMENTS LIMITED→ SC769179 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| KINKELL SERVICES (AIRDRIE) LIMITED→ SC449707 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
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
Incorporated2019-10-29
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
29 Brandon Street
Hamilton
South Lanarkshire
ML3 6DA
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-12
Last: 2025-10-29
Officers (2 active · 0 resigned)
FOSTER, Adrian Thomas→
Activedirector · ~47y · appointed 2019-10-29
View their other companies + combined net worth →
GRANT, David Ross→
Activedirector · ~66y · appointed 2019-10-29
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (16 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-17
change-person-director-company-with-change-date
officers · CH01
2024-08-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-03
change-account-reference-date-company-current-extended
accounts · AA01
2019-11-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2019-11-18