YOUR FINANCIAL WELLBEING LTD
🌿Early-stageactive
SC798809 · private-limited-guarant-nsc · incorporated 2024-02-12
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 Feb 2025
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company 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 (73/100).
Data confidence
Overall: medium (72/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
6 officers (6 active, 6 linked, 6 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
11 filings on record
85
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
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-02-28 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
5
filings
- • 5 officers
Last 180 days
7
filings
- • 5 officers
- • 1 confirmation-statement
- • 1 resolution
Counts from Companies House filing history.
Corporate timeline (16 events)Click to expand
- 2026-03-10➕HODGES, James appointeddirector
- 2026-03-10➕LI, Tracey appointeddirector
- 2026-03-10➕MAWDSLEY, Alistair Edward appointeddirector
- 2026-03-10➕MCLEAN, Scott appointeddirector
- 2026-03-10➕SCHILLER, Mark Christopher appointeddirector
- 2026-03-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-01-06📄resolutionresolution · RESOLUTIONS
- 2025-11-14📄memorandum-articlesincorporation · MA
- 2025-11-04📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-02-12🏢Company incorporatedAs YOUR FINANCIAL WELLBEING LTD
- 2024-02-12➕MACDONALD, Colin Alexander appointeddirector
- 2024-02-12📄incorporation-companyincorporation · NEWINC
Owner dependency
45/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Young company: Only 2.3 years old — management layer unlikely to be developed.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
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
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Colin Alexander Macdonald Individual · Scottish · DOB 04/1989 · age 37 | — | 50–75% | board control50-75% voting · board control | 12/02/2024 |
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 |
|---|---|---|---|---|---|---|---|
| @SIPP LIMITED→ SC217126 · est 2001 | £37.09M £26.97M–£47.20M | £10.21M | — | 6200 | 25y | 85 | 62y |
| FORWARD ASSET FINANCE LIMITED→ SC337979 · est 2008 | £1.02M £744.7k–£1.30M | — | — | 500 | 18y | 83 | 64y |
| COMMONWEALTH GAMES (SCOTLAND) ENDOWMENT FUND→ SC301214 · est 2006 | £22.3k £16.2k–£28.3k | — | — | 0 | 20y | 83 | 66y |
| BLAIRSTON ENTERPRISES LIMITED→ SC368750 · est 2009 | — | — | £2.38M | — | 16y | 83 | 72y |
| CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED→ SC200273 · est 1999 · no financials extracted | — | — | — | — | 26y | 83 | 59y |
| FEMALE INDEPENDENT LTD.→ SC245607 · est 2003 | — | — | £20.0k | — | 23y | 83 | 66y |
| HARRY SMITH, LIMITED→ SC008622 · est 1913 | — | — | £1.66M | — | 113y | 83 | 58y |
| KELVIN SMITH (INSURANCE BROKERS) LIMITED→ SC301532 · est 2006 | — | — | £3.48M | — | 20y | 83 | 63y |
| MORTGAGE ADVICE BROKERAGE LTD→ SC336489 · est 2008 | — | — | — | 1500 | 18y | 83 | 58y |
| NITRON INVESTMENTS LIMITED→ SC047915 · est 1970 | — | — | £431.4k | — | 55y | 83 | 80y |
| PENTA CAPITAL INVESTMENTS LIMITED→ SC277543 · est 2004 · no financials extracted | — | — | — | — | 21y | 83 | 64y |
| PEOPLESCHAMPION.COM LIMITED→ SC270602 · est 2004 · no financials extracted | — | — | — | — | 21y | 83 | 63y |
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
Typeprivate-limited-guarant-nsc
Incorporated2024-02-12
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
48 West George Street
Glasgow
G2 1BP
Scotland
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-02-25
Last: 2026-02-11
Officers (6 active · 0 resigned)
HODGES, James→
Activedirector · ~45y · appointed 2026-03-10
View their other companies + combined net worth →
Active
MACDONALD, Colin Alexander→
Activedirector · ~37y · appointed 2024-02-12
View their other companies + combined net worth →
MAWDSLEY, Alistair Edward→
Activedirector · ~45y · appointed 2026-03-10
View their other companies + combined net worth →
MCLEAN, Scott→
Activedirector · ~49y · appointed 2026-03-10
View their other companies + combined net worth →
SCHILLER, Mark Christopher→
Activedirector · ~54y · appointed 2026-03-10
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (11 total)
appoint-person-director-company-with-name-date
officers · AP01
2026-03-10
appoint-person-director-company-with-name-date
officers · AP01
2026-03-10
appoint-person-director-company-with-name-date
officers · AP01
2026-03-10
appoint-person-director-company-with-name-date
officers · AP01
2026-03-10
appoint-person-director-company-with-name-date
officers · AP01
2026-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-20
resolution
resolution · RESOLUTIONS
2026-01-06
memorandum-articles
incorporation · MA
2025-11-14
accounts-with-accounts-type-dormant
accounts · AA
2025-11-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-28
incorporation-company
incorporation · NEWINC
2024-02-12