SCARFF WEALTH MANAGEMENT LTD

🌿Early-stageactive
SC800061 · ltd · incorporated 2024-02-22
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.
Why now
Window steady · medium confidence
Mixed signals — 1 changes over 30 days, no clear direction yet.
  • · Filings: 12 → 17
What changed my view
Last 30 days

Picture improved over the last 30 days — 1 positive signal vs 0 negative.

  • ↑Filings: 12 → 17
Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£-12.3k
book net assets
Opportunity
70/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 70/100 (strong), bankability 70/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

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
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
1 connected companies via shared directors
48
Filing history
17 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.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £12,264

Key financials

1 year extracted from filed iXBRL accounts
Cash
£24k
Net Worth
-£12k
Current Assets
£26k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-31
Total assets£-12.0k
Current assets£25.8k
Cash£23.7k
Debtors£2.1k
Net assets£-12.3k

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
5
filings
  • • 3 persons-with-significant-control
  • • 2 officers
Last 180 days
6
filings
  • • 3 persons-with-significant-control
  • • 2 officers
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
  1. 2026-05-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2026-05-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2026-05-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2026-05-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2026-05-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2025-11-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2025-09-25
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2025-09-25
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2025-09-25
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2025-09-25
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2025-07-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2025-06-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2025-06-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2025-01-16
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  15. 2024-02-22
    🏢
    Company incorporated
    As SCARFF WEALTH MANAGEMENT LTD
  16. 2024-02-22
    ➕
    SCARFF, Pamela Anne appointed
    director
  17. 2024-02-22
    ➕
    SCARFF, Paul Edward appointed
    director
  18. 2024-02-22
    📄
    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 "SCARFF" — strong identity link between founder and business.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +Young company: Only 2.4 years old — management layer unlikely to be developed.

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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Paul Edward Scarff
Individual · British · DOB 06/1969 · age 57
50–75%
50–75%board control50-75% shares · 50-75% voting · board control22/02/2024
Ms Pamela Anne Scarff
Individual · British · DOB 01/1994 · age 32
25–50%
25–50%board control25-50% shares · 25-50% voting · board control22/02/2024

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 →

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——50018y8364y
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——020y8366y
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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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2024-02-22
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

4/5 Turnberry House 175 West George Street
Glasgow
G2 2LB
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-07
Last: 2026-02-21

Officers (2 active · 0 resigned)

SCARFF, Pamela Anne→
director · ~32y · appointed 2024-02-22
View their other companies + combined net worth →
Active
SCARFF, Paul Edward→
director · ~57y · appointed 2024-02-22
View their other companies + combined net worth →
Active

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

Recent filings (17 total)

change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-27
change-person-director-company-with-change-date
officers · CH01
2026-05-27
change-person-director-company-with-change-date
officers · CH01
2026-05-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-27
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-11-20
change-person-director-company-with-change-date
officers · CH01
2025-09-25
change-person-director-company-with-change-date
officers · CH01
2025-09-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-06-09
change-person-director-company-with-change-date
officers · CH01
2025-06-09
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-06