OPTIMA FINANCIAL SERVICES LTD.

🌳Matureactive
SC202196 · ltd · incorporated 1999-12-07
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 23.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£134.3k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66220Activities of insurance agents and brokers
Investor take
Pursue
Asset-holding vehicle with a 69-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 69). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 23.3y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 23.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (79/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
10 officers (3 active, 10 linked, 4 with DOB)
78
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
88 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £134,325
Net assets shrinking
Down £26,048 YoY
Cash YoY
+134%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£235k
↑ 134% YoY
Net Worth
£134k
↓ 16% YoY
Current Assets
£558k
↑ 34% YoY
Current Liabilities
—
£0£112k£223k£335k£446k£558kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30
Total assets£134.7k£160.8k
Current assets£557.6k£416.5k
Cash£235.4k£100.5k
Debtors£322.3k£315.9k
Net assets£134.3k£160.4k

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
0
filings
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
  1. 2025-11-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  3. 2025-01-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-01-20
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  5. 2025-01-20
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  6. 2025-01-20
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  7. 2024-03-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-03-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-03-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-03-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-02-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-03-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-03-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2009-08-08
    🔓
    Charge satisfied #1
  17. 2008-04-04
    ➕
    CRAIK, David Norman Murray appointed
    secretary
  18. 2008-04-04
    ➕
    HARVIE, Anthony John appointed
    director
  19. 2008-04-04
    ➖
    JAMES AND GEORGE COLLIE resigned
    corporate-secretary
  20. 2007-01-30
    ➖
    COOPER & HAY resigned
    corporate-secretary
  21. 2007-01-30
    ➕
    JAMES AND GEORGE COLLIE appointed
    corporate-secretary
  22. 2004-12-31
    ➖
    ATKINSON, John Spencer resigned
    director
  23. 2002-12-18
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  24. 2001-06-25
    ➖
    WILSON, Stuart William resigned
    director
  25. 2000-01-05
    ➖
    ATKINSON, John Spencer resigned
    secretary
  26. 2000-01-05
    ➕
    COOPER & HAY appointed
    corporate-secretary
  27. 1999-12-07
    🏢
    Company incorporated
    As OPTIMA FINANCIAL SERVICES LTD.
  28. 1999-12-07
    ➕
    CRAIK, David Norman Murray appointed
    director
  29. 1999-12-07
    ➕
    ATKINSON, John Spencer appointed
    secretary
  30. 1999-12-07
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  31. 1999-12-07
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  32. 1999-12-07
    ➕
    ATKINSON, John Spencer appointed
    director
  33. 1999-12-07
    ➕
    WILSON, Stuart William appointed
    director
  34. 1999-12-07
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  35. 1999-12-07
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

83/100
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.
  • +Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 69 — succession pressure is live.

Succession & seller-readiness

86/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 26 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

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

Group structure

Professional Financial Planners Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Professional Financial Planners Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
OPTIMA FINANCIAL SERVICES LTD.
This company · SC202196

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Professional Financial Planners Limited
Corporate entity
75–100%
75–100%75-100% shares · 75-100% voting06/04/2016
2 historic (ceased) PSCs
  • Mr Anthony John Harvieceased 06/04/2016· significant influence
  • Mr David Norman Murray Craikceased 06/04/2016· significant influence

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 · AB postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
MILLER & CO. INVESTMENT MANAGEMENT LIMITED→
SC143600 · est 1993
£363.6k
£264.4k–£462.7k
——433y8561y
PROFESSIONAL FINANCIAL PLANNERS LIMITED→
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——£2.38M—18y8369y
WEALTHWAY LIMITED→
SC207478 · est 2000
———30025y8363y
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SC387177 · est 2010
———110015y8272y
ATHOLL SCOTT FINANCIAL SERVICES LIMITED→
SC108824 · est 1988
——£233.4k—38y8259y
ATLAS FINANCIAL CONSULTING LIMITED→
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——£37.9k—25y8164y
FUTURA INVESTMENTS LIMITED→
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————28y8161y
J M TAYLOR FINANCIAL SERVICES LIMITED→
SC352131 · est 2008
——£1.71M—17y8168y
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——£11.1k—22y8168y
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——£77.0k—27y8181y
S300TRADES LTD→
SC864647 · est 2025 · no financials extracted
———————
SINAY LTD→
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————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
Incorporated1999-12-07
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

2 Bon Accord Square
Aberdeen
Aberdeenshire
AB11 6DJ

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-12-21
Last: 2025-12-07

Officers (3 active · 7 resigned)

CRAIK, David Norman Murray→
secretary · appointed 2008-04-04
View their other companies + combined net worth →
Active
CRAIK, David Norman Murray→
director · ~64y · appointed 1999-12-07
View their other companies + combined net worth →
Active
HARVIE, Anthony John→
director · ~69y · appointed 2008-04-04
View their other companies + combined net worth →
Active
ATKINSON, John Spencer→
secretary · appointed 1999-12-07 · resigned 2000-01-05
Resigned
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 1999-12-07 · resigned 1999-12-07
Resigned
COOPER & HAY→
corporate-secretary · appointed 2000-01-05 · resigned 2007-01-30
Resigned
JAMES AND GEORGE COLLIE→
corporate-secretary · appointed 2007-01-30 · resigned 2008-04-04
Resigned
ATKINSON, John Spencer→
director · ~76y · appointed 1999-12-07 · resigned 2004-12-31
Resigned
WILSON, Stuart William→
director · ~64y · appointed 1999-12-07 · resigned 2001-06-25
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 1999-12-07 · resigned 1999-12-07
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property18/12/200208/08/2009

Recent filings (88 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-05-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-23
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-01-20
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-01-20
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-01-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-25