PB HOLDINGS (FIFE) LIMITED

🌿Early-stageactive
SC760817 · ltd · incorporated 2023-03-02
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 Mar 2025
Net worth
book net assets
Opportunity
70/100
Strong
🔔
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What this business does
Primary activity: Activities of financial services holding companies
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and acceptable with review structure.

Opportunity 70/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).

Data confidence

Overall: medium (70/100)

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
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
2 connected companies via shared directors
51
Filing history
9 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees00

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
0
filings
Last 90 days
1
filing
  • 1 confirmation-statement
Last 180 days
2
filings
  • 1 confirmation-statement
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (11 events)Click to expand
  1. 2025-12-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-11-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-04-12
    📄
    resolution
    resolution · RESOLUTIONS
  4. 2023-04-11
    📄
    memorandum-articles
    incorporation · MA
  5. 2023-04-05
    📄
    capital-allotment-shares
    capital · SH01
  6. 2023-03-02
    🏢
    Company incorporated
    As PB HOLDINGS (FIFE) LIMITED
  7. 2023-03-02
    CROOKS, Vicky appointed
    director
  8. 2023-03-02
    JOHNSTON, Linda Bruce appointed
    director
  9. 2023-03-02
    MCCULLOCH, Colin Russell appointed
    director
  10. 2023-03-02
    WALLACE, Craig William appointed
    director
  11. 2023-03-02
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

40/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.

Succession & seller-readiness

30/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
🔒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.

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Company details

Statusactive
Typeltd
Incorporated2023-03-02
Jurisdictionscotland
Primary SIC64205 — Activities of financial services holding companies

Registered office

18-20 North Street
Glenrothes
KY7 5NA
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-15
Last: 2026-03-01

Officers (4 active · 0 resigned)

CROOKS, Vicky
director · ~45y · appointed 2023-03-02
View their other companies + combined net worth →
Active
JOHNSTON, Linda Bruce
director · ~54y · appointed 2023-03-02
View their other companies + combined net worth →
Active
MCCULLOCH, Colin Russell
director · ~49y · appointed 2023-03-02
View their other companies + combined net worth →
Active
WALLACE, Craig William
director · ~43y · appointed 2023-03-02
View their other companies + combined net worth →
Active

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

Recent filings (9 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-02
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-27
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-04
resolution
resolution · RESOLUTIONS
2023-04-12
memorandum-articles
incorporation · MA
2023-04-11
capital-allotment-shares
capital · SH01
2023-04-05
incorporation-company
incorporation · NEWINC
2023-03-02