MORAY FINANCIAL LIMITED
⚰️Wound downdissolved
SC694883 · ltd · incorporated 2021-04-07
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
55/100
Worth a look
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed unclear — structural issues outweigh the discount.
Opportunity 55/100 (worth a look), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (59/100)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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
9 officers (1 active, 9 linked, 8 with DOB)
88
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
29 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
55/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
25
Concerning — overdue filings or status flags present.
Acquirability
55
Some acquirability indicators.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
- 2023-07-04📄gazette-dissolved-voluntarygazette · GAZ2(A)
- 2023-07-04🏁Company dissolved
- 2023-04-18📄gazette-notice-voluntarygazette · GAZ1(A)
- 2023-04-06➖ABERDEIN, Robert Douglas resigneddirector
- 2023-04-06➖BOWIE, Joseph Robert resigneddirector
- 2023-04-06➖MOLES, Neil Anthony resigneddirector
- 2023-04-06➖THOMAS, Charlotte Emily resigneddirector
- 2023-04-06➖WALES, Michael John resigneddirector
- 2023-04-06📄dissolution-application-strike-off-companydissolution · DS01
- 2023-04-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-11-02📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-25📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2022-07-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-07📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-06-29📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-06-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-06-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-06-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-06-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2022-06-28➕ALLEN, Steven Michael appointeddirector
- 2022-06-28➖MBM SECRETARIAL SERVICES LIMITED resignedcorporate-secretary
- 2022-06-28➕MOLES, Neil Anthony appointeddirector
- 2022-06-28➕THOMAS, Charlotte Emily appointeddirector
- 2022-06-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2022-06-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-12-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-11-26➕WALES, Michael John appointeddirector
- 2021-10-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-10-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-10-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-10-15➕BOWIE, Joseph Robert appointeddirector
- 2021-10-15➖DUNCAN, Robert John resigneddirector
- 2021-10-15➖LONEY, Denise Patricia resigneddirector
- 2021-08-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-06-01➕DUNCAN, Robert John appointeddirector
- 2021-04-26➕MBM SECRETARIAL SERVICES LIMITED appointedcorporate-secretary
- 2021-04-07🏢Company incorporatedAs MORAY FINANCIAL LIMITED
- 2021-04-07➕ABERDEIN, Robert Douglas appointeddirector
- 2021-04-07➕LONEY, Denise Patricia appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 high ·Company dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2023-07-04
Group structure
Moray Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Moray Group Limited
Corporate parent · holds 75-100% shares
⬇
MORAY FINANCIAL LIMITED
This company · SC694883
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Moray Group Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 17/06/2022 |
1 historic (ceased) PSC
- Mr Robert Douglas Aberdeinceased 17/06/2022· 75-100% shares · 75-100% 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
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|---|---|---|---|---|---|---|---|
| CGP ENTERPRISES LIMITED→ SC638364 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CINNAMON GP4 LIMITED→ SC581651 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CITYPOINT WEALTH LIMITED→ SC055597 · est 1974 · no financials extracted | — | — | — | — | 51y | — | — |
| CK HOME HUB FINANCIAL SERVICES LIMITED→ SC629293 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CLYDE BERGEMANN PENSION (TRUSTEES) LIMITED→ SC222231 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| CLYDE BERGEMANN POWER GROUP INTERNATIONAL LIMITED→ SC188877 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| CLYDE BROKERS LIMITED→ SC419422 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| CONNECTIONS FINANCE LTD→ SC842423 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CONTRACT MORTGAGES LTD→ SC465654 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| COUNTRYWIDE EMPLOYEE BENEFITS LTD→ SC741646 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| DC PREMIER WEALTH MANAGEMENT LIMITED→ SC441449 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| DEAN FLEMING CONSULTING LTD→ SC659665 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Statusdissolved
Typeltd
Incorporated2021-04-07
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies
Registered office
The Forsyth Building
5 Renfield Street
Glasgow
G2 5EZ
United Kingdom
Filing status
Accounts
Next due: —
Last made up to: 2021-10-31
Confirmation statement
Next due: —
Last: —
Officers (0 active · 8 resigned)
ALLEN, Steven Michael→
Activedirector · ~45y · appointed 2022-06-28
View their other companies + combined net worth →
MBM SECRETARIAL SERVICES LIMITED→
Resignedcorporate-secretary · appointed 2021-04-26 · resigned 2022-06-28
ABERDEIN, Robert Douglas→
Resigneddirector · ~47y · appointed 2021-04-07 · resigned 2023-04-06
BOWIE, Joseph Robert→
Resigneddirector · ~41y · appointed 2021-10-15 · resigned 2023-04-06
DUNCAN, Robert John→
Resigneddirector · ~46y · appointed 2021-06-01 · resigned 2021-10-15
LONEY, Denise Patricia→
Resigneddirector · ~62y · appointed 2021-04-07 · resigned 2021-10-15
MOLES, Neil Anthony→
Resigneddirector · ~47y · appointed 2022-06-28 · resigned 2023-04-06
THOMAS, Charlotte Emily→
Resigneddirector · ~54y · appointed 2022-06-28 · resigned 2023-04-06
WALES, Michael John→
Resigneddirector · ~44y · appointed 2021-11-26 · resigned 2023-04-06
Click a director name to see their full track record across all companies.
Recent filings (29 total)
gazette-dissolved-voluntary
gazette · GAZ2(A)
2023-07-04
gazette-notice-voluntary
gazette · GAZ1(A)
2023-04-18
dissolution-application-strike-off-company
dissolution · DS01
2023-04-06
termination-director-company-with-name-termination-date
officers · TM01
2023-04-06
termination-director-company-with-name-termination-date
officers · TM01
2023-04-06
termination-director-company-with-name-termination-date
officers · TM01
2023-04-06
termination-director-company-with-name-termination-date
officers · TM01
2023-04-06
termination-director-company-with-name-termination-date
officers · TM01
2023-04-06
change-person-director-company-with-change-date
officers · CH01
2022-11-02
change-account-reference-date-company-current-extended
accounts · AA01
2022-07-25
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-14
change-account-reference-date-company-previous-shortened
accounts · AA01
2022-07-07
termination-secretary-company-with-name-termination-date
officers · TM02
2022-06-29
appoint-person-director-company-with-name-date
officers · AP01
2022-06-29
appoint-person-director-company-with-name-date
officers · AP01
2022-06-29