WEBB FINANCE LTD

🏛️Establishedactive
SC686854 · ltd · incorporated 2021-01-25
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 Jan 2025
Net worth
£67
book net assets
Opportunity
71/100
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 71/100 (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 (65/100).

Data confidence

Overall: medium (78/100)

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
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
15 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £67
Cash YoY
+155%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£13k
↑ 155% YoY
Net Worth
£67
↑ 1575% YoY
Current Assets
£14k
↑ 84% YoY
Current Liabilities
—
£0£3k£5k£8k£11k£14kJan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-01-312024-01-31
Total assets£67£4
Current assets£13.7k£7.4k
Cash£13.3k£5.2k
Debtors£392£2.2k
Net assets£67£4

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 (13 events)Click to expand
  1. 2025-03-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-05-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-01-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2024-01-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2024-01-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2023-04-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2023-02-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-04-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-08-31
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2021-01-25
    🏢
    Company incorporated
    As WEBB FINANCE LTD
  11. 2021-01-25
    ➕
    WEBB, Eve appointed
    director
  12. 2021-01-25
    ➕
    WEBB, Richard Murray appointed
    director
  13. 2021-01-25
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

86/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "WEBB" — strong identity link between founder and business.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 5 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
NameSharesVoting rightsNature of controlNotified
Mr Richard Murray Webb
Individual · British · DOB 11/1982 · age 44
50–75%
50–75%board control50-75% shares · 50-75% voting · board control25/01/2021

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2021-01-25
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

2 Beresford Terrace
Ayr
KA7 2EG
Scotland

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-02-03
Last: 2026-01-20

Officers (2 active · 0 resigned)

WEBB, Eve→
director · ~42y · appointed 2021-01-25
View their other companies + combined net worth →
Active
WEBB, Richard Murray→
director · ~44y · appointed 2021-01-25
View their other companies + combined net worth →
Active

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

Recent filings (15 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-09
change-person-director-company-with-change-date
officers · CH01
2024-01-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-01-23
change-person-director-company-with-change-date
officers · CH01
2024-01-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-04-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-20
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-08
confirmation-statement-with-updates
confirmation-statement · CS01
2022-02-07
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-08-31
incorporation-company
incorporation · NEWINC
2021-01-25