SPECTRUM WEALTH CONSULTANCY LTD
🏛️Establishedactive
SC683989 · ltd · incorporated 2020-12-18
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
£35.5k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong 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
22 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 £35,481
Cash YoY
+56%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£44k
↑ 56% YoY
Net Worth
£35k
↑ 67% YoY
Current Assets
£44k
↑ 55% 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 | £35.5k | £21.2k |
| Current assets | £43.6k | £28.1k |
| Cash | £43.6k | £27.8k |
| Debtors | £70 | £216 |
| Net assets | £35.5k | £21.2k |
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 (25 events)Click to expand
- 2025-09-19📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-09-15📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-09-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-11-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-02➕CREEVY, Alistair James appointeddirector
- 2023-09-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-04-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-09-02📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-04-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-04-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-04-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-04-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-04-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-04-09📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-04-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-04-09📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-04-08➕MCFADYEN, Paul Edward appointeddirector
- 2021-04-08➕WATSON, Nadeen appointeddirector
- 2021-04-08➖MCFADYEN, Nicola resigneddirector
- 2021-04-08➖WATSON, Christopher Andrew George resigneddirector
- 2020-12-18🏢Company incorporatedAs SPECTRUM WEALTH CONSULTANCY LTD
- 2020-12-18➕MCFADYEN, Nicola appointeddirector
- 2020-12-18➕WATSON, Christopher Andrew George appointeddirector
- 2020-12-18📄incorporation-companyincorporation · NEWINC
Owner dependency
65/100
High — earn-out structure requiredMaterial 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 signalSome 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
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 |
|---|---|---|---|---|
Mrs Nadeen Watson Individual · British · DOB 01/1985 · age 41 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 08/04/2021 |
Mr Paul Edward Mcfadyen Individual · British · DOB 03/1981 · age 45 | — | — | sig. influencesignificant influence | 08/04/2021 |
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 →Similar companies
Active · Financial services · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| THE LONDON MORTGAGE COMPANY LIMITED→ SC474874 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| TMW (COMMERCIAL) LIMITED→ SC781785 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| TOMINEY PROFESSIONAL LIMITED→ SC379379 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| TR PROPERTIES WEST (HOLDINGS) LIMITED→ SC765678 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| TRON PAWN LIMITED→ SC158080 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| VAM COMMUNICATIONS LIMITED→ SC757541 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| VERECO FINANCIAL PROTECTION LIMITED→ SC592892 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| W.M. MANN & CO. (INVESTMENTS) LIMITED→ SC047676 · est 1970 · no financials extracted | — | — | — | — | 55y | — | — |
| WHA MORTGAGE SERVICES LTD→ SC725550 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| WHEATLEY FUNDING NO. 2 LIMITED→ SC470001 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| WHITEBRIDGE FINANCIAL SERVICES LTD→ SC540534 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| WHITELEIGH FINANCIAL PLANNING LTD→ SC384173 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
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
Incorporated2020-12-18
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: 2026-12-31
Last: 2025-12-17
Officers (3 active · 2 resigned)
CREEVY, Alistair James→
Activedirector · ~66y · appointed 2023-11-02
View their other companies + combined net worth →
MCFADYEN, Paul Edward→
Activedirector · ~45y · appointed 2021-04-08
View their other companies + combined net worth →
WATSON, Nadeen→
Activedirector · ~41y · appointed 2021-04-08
View their other companies + combined net worth →
MCFADYEN, Nicola→
Resigneddirector · ~44y · appointed 2020-12-18 · resigned 2021-04-08
WATSON, Christopher Andrew George→
Resigneddirector · ~48y · appointed 2020-12-18 · resigned 2021-04-08
Click a director name to see their full track record across all companies.
Recent filings (22 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-09-19
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
2024-12-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-09-26
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-18
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
2022-12-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-09-02
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-22
appoint-person-director-company-with-name-date
officers · AP01
2021-04-09
termination-director-company-with-name-termination-date
officers · TM01
2021-04-09