VIKING FINANCIAL LTD
🌿Early-stageactive
SC751321 · ltd · incorporated 2022-11-23
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2025
Net worth
£49.4k
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and acceptable with review structure.
Opportunity 71/100 (strong), bankability 70/100. 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
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
12 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
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
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 £49,412
Net assets shrinking
Down £362 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£49k
~ YoY
Current Assets
£56k
↑ 5.9% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-11-30 | 2024-11-30 |
|---|---|---|
| Total assets | £50.3k | £50.6k |
| Current assets | £56.1k | £53.0k |
| Net assets | £49.4k | £49.8k |
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
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (12 events)Click to expand
- 2026-04-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-11-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-10-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-05-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-01-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-05-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-05-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-19➕WEDEGREN, Clare appointeddirector
- 2022-11-23🏢Company incorporatedAs VIKING FINANCIAL LTD
- 2022-11-23➕WEDEGREN, Joel appointeddirector
- 2022-11-23📄incorporation-companyincorporation · NEWINC
Owner dependency
66/100
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
36/100
Weak signalLimited 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
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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Joel Wedegren Individual · Swedish · DOB 12/1980 · age 46 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 23/11/2022 |
Mrs Clare Wedegren Individual · British · DOB 01/1983 · age 43 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/10/2025 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CHRISTIE FINANCIAL PLANNING LIMITED→ SC189743 · est 1998 | — | — | £162.2k | — | 27y | 82 | 65y |
| JMC FINANCIAL SERVICES LIMITED→ SC245180 · est 2003 | — | — | £17.1k | — | 23y | 82 | 58y |
| KEN BINNIE FINANCIAL LIMITED→ SC244778 · est 2003 | — | — | £253 | — | 23y | 82 | 66y |
| PACIFIC SHELF 1272 LIMITED→ SC267459 · est 2004 | — | — | — | 1 | 22y | 82 | 77y |
| A G FINANCE (SCOTLAND) LIMITED→ SC281499 · est 2005 | — | — | — | 11 | 21y | 80 | 64y |
| ACMCA LIMITED→ SC234784 · est 2002 | — | — | £19.7k | — | 23y | 80 | 71y |
| ALAN R. MACKAY & COMPANY LIMITED→ SC114821 · est 1988 | — | — | — | 37 | 37y | 80 | 58y |
| AYRSHIRE FINANCIAL SERVICES LTD.→ SC209344 · est 2000 | — | — | £85.3k | — | 25y | 80 | 60y |
| B.P.D. SOLUTIONS LTD→ SC396317 · est 2011 | — | — | £2 | — | 15y | 80 | 66y |
| DAVID MUNRO FINANCIAL SERVICES LIMITED→ SC350315 · est 2008 | — | — | £47.9k | — | 17y | 80 | 62y |
| JIM WYLIE MORTGAGE & FINANCIAL SERVICES LIMITED→ SC246054 · est 2003 | — | — | £180.3k | — | 23y | 80 | 62y |
| KEN NAIRN LTD→ SC394820 · est 2011 | — | — | £178.0k | — | 15y | 80 | 62y |
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
Incorporated2022-11-23
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies
Registered office
C/O Anderson Macdonald Accountants
29 Hamilton Street
Saltcoats
KA21 5DT
United Kingdom
Filing status
Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2026-11-26
Last: 2025-11-12
Officers (2 active · 0 resigned)
WEDEGREN, Clare→
Activedirector · ~43y · appointed 2023-04-19
View their other companies + combined net worth →
WEDEGREN, Joel→
Activedirector · ~46y · appointed 2022-11-23
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (12 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-21
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-12
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-11-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-22
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-01-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-01-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-21
appoint-person-director-company-with-name-date
officers · AP01
2023-05-02
incorporation-company
incorporation · NEWINC
2022-11-23