SPECTRUM WEALTH GROUP LTD

🏛️Establishedactive
SC682808 · ltd · incorporated 2020-12-04
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
£195.4k
book net assets
Opportunity
77/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 77/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (82/100)

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
Confirmed no charges registered
85
Directors & officers
5 officers (3 active, 5 linked, 5 with DOB)
90
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
24 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 declared
Positive net assets
Net assets £195,414
Cash YoY
+82%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£218k
↑ 82% YoY
Net Worth
£195k
↑ 46% YoY
Current Assets
£229k
↑ 77% YoY
Current Liabilities
—
£0£46k£92k£138k£184k£229kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£204.0k£140.9k
Current assets£229.5k£130.0k
Cash£218.4k£120.0k
Debtors£11.1k£10.0k
Net assets£195.4k£134.0k

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

🔒Filing-note intelligence

2 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
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-09-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-09-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-07-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2024-09-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2023-11-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2023-11-02
    ➕
    CREEVY, Alistair James appointed
    director
  7. 2023-09-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2023-04-05
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2022-09-02
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2021-04-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2021-04-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2021-04-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2021-04-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  14. 2021-04-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2021-04-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  16. 2021-04-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  17. 2021-04-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  18. 2021-04-08
    ➕
    MCFADYEN, Paul Edward appointed
    director
  19. 2021-04-08
    ➕
    WATSON, Nadeen appointed
    director
  20. 2021-04-08
    ➖
    MCFADYEN, Nicola resigned
    director
  21. 2021-04-08
    ➖
    WATSON, Christopher Andrew George resigned
    director
  22. 2020-12-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  23. 2020-12-10
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  24. 2020-12-04
    🏢
    Company incorporated
    As SPECTRUM WEALTH GROUP LTD
  25. 2020-12-04
    ➕
    MCFADYEN, Nicola appointed
    director
  26. 2020-12-04
    ➕
    WATSON, Christopher Andrew George appointed
    director
  27. 2020-12-04
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

65/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Founder age: Director aged approximately 66 — succession pressure is live.

Succession & seller-readiness

50/100
Moderate signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.

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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Nadeen Watson
Individual · British · DOB 01/1985 · age 41
25–50%
25–50%board control25-50% shares · 25-50% voting · board control08/04/2021
Mr Paul Edward Mcfadyen
Individual · British · DOB 03/1981 · age 45
——sig. influencesignificant influence08/04/2021
2 historic (ceased) PSCs
  • Mrs Nicola Mcfadyenceased 08/04/2021· 25-50% shares · 25-50% voting · board control
  • Mr Christopher Andrew George Watsonceased 08/04/2021· 25-50% shares · 25-50% 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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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
Incorporated2020-12-04
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

4/5 Turnberry House 175 West George Street
Glasgow
G2 2LB
Scotland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-17
Last: 2025-12-03

Officers (3 active · 2 resigned)

CREEVY, Alistair James→
director · ~66y · appointed 2023-11-02
View their other companies + combined net worth →
Active
MCFADYEN, Paul Edward→
director · ~45y · appointed 2021-04-08
View their other companies + combined net worth →
Active
WATSON, Nadeen→
director · ~41y · appointed 2021-04-08
View their other companies + combined net worth →
Active
MCFADYEN, Nicola→
director · ~44y · appointed 2020-12-04 · resigned 2021-04-08
Resigned
WATSON, Christopher Andrew George→
director · ~48y · appointed 2020-12-04 · resigned 2021-04-08
Resigned

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

Recent filings (24 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-09-26
change-person-director-company-with-change-date
officers · CH01
2025-09-15
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-03
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-09-26
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-15
appoint-person-director-company-with-name-date
officers · AP01
2023-11-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-09-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-04-05
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-04
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-09-02
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-03
appoint-person-director-company-with-name-date
officers · AP01
2021-04-09
appoint-person-director-company-with-name-date
officers · AP01
2021-04-09