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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£-12.3k
book net assets
Opportunity
70/100
Strong
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
12 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 declaredNegative net assets
Liabilities exceed assets by £12,264
Key financials
1 year extracted from filed iXBRL accountsCash
£24k
Net Worth
-£12k
Current Assets
£26k
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 |
|---|---|
| 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
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (13 events)Click to expand
- 2025-11-20📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-09-25📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-25📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-06-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-06-09📄change-person-director-company-with-change-dateofficers · CH01
- 2025-01-16📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2024-02-22🏢Company incorporatedAs SCARFF WEALTH MANAGEMENT LTD
- 2024-02-22➕SCARFF, Pamela Anne appointeddirector
- 2024-02-22➕SCARFF, Paul Edward appointeddirector
- 2024-02-22📄incorporation-companyincorporation · NEWINC
Owner dependency
86/100
Critical — business is the founderThe 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 2.2 years old — management layer unlikely to be developed.
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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Paul Edward Scarff Individual · British · DOB 06/1969 · age 57 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 22/02/2024 |
Ms Pamela Anne Scarff Individual · British · DOB 01/1994 · age 32 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 22/02/2024 |
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 |
| 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 |
| THE LONDON MORTGAGE COMPANY LIMITED→ SC474874 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| TMW (COMMERCIAL) LIMITED→ SC781785 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| TOMINEY PROFESSIONAL LIMITED→ SC379379 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| TR PROPERTIES WEST (HOLDINGS) LIMITED→ SC765678 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| VAM COMMUNICATIONS LIMITED→ SC757541 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| WHA MORTGAGE SERVICES LTD→ SC725550 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| WHEATLEY FUNDING NO. 2 LIMITED→ SC470001 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| WIK DIAGNOSTICS LTD→ SC807772 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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→
Activedirector · ~32y · appointed 2024-02-22
View their other companies + combined net worth →
SCARFF, Paul Edward→
Activedirector · ~57y · appointed 2024-02-22
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (12 total)
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
change-account-reference-date-company-current-extended
accounts · AA01
2025-01-16
incorporation-company
incorporation · NEWINC
2024-02-22