ADVANTA RISK LTD
🌳Matureactive
SC204478 · ltd · incorporated 2000-02-29
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueActive trading company with a 60-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 77/100. Strong seller-intent signal (60/100, director aged 60). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
5 live charges · 5 lenders · oldest 22.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 22.9 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)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
No iXBRL financials extracted
0
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
12 officers (4 active, 12 linked, 7 with DOB)
82
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
20 connected companies via shared directors
90
Filing history
114 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
4
filings
- • 2 accounts
- • 2 other
Counts from Companies House filing history.
Corporate timeline (52 events)Click to expand
- 2026-01-11📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2026-01-11📄legacyaccounts · PARENT_ACC
- 2026-01-11📄legacyother · GUARANTEE2
- 2026-01-11📄legacyother · AGREEMENT2
- 2025-03-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-03-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-02-28➕D'ARCY, Kevin James appointeddirector
- 2025-02-28➕SEATH, Gregory appointeddirector
- 2025-01-27📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-01-27📄legacyaccounts · PARENT_ACC
- 2025-01-06📄legacyother · AGREEMENT2
- 2025-01-06📄legacyother · GUARANTEE2
- 2024-10-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-16🔓Charge satisfied #5
- 2024-10-16🔓Charge satisfied #4
- 2024-10-16🔓Charge satisfied #3
- 2024-10-16🔓Charge satisfied #2
- 2024-08-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-08-05📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-07-31➕PEARSON, Mark Robert appointeddirector
- 2024-07-31➖MORTON, John Dick Runcie resignedsecretary
- 2024-04-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-26🔒Charge registered #5Lender: Beech Tree Gp Iii Limited in Its Capacity as Security Trustee for and on Behalf of the Security Beneficiaries (As Defined in the Instrument)
- 2024-01-10📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-01-10📄legacyaccounts · PARENT_ACC
- 2024-01-10📄legacyother · AGREEMENT2
- 2024-01-10📄legacyother · GUARANTEE2
- 2022-09-30🔒Charge registered #4Lender: Beech Tree Gp Iii Limited as Security Trustee
- 2020-12-22🔒Charge registered #3Lender: Beech Tree Gp Iii Limited (As Security Trustee)
- 2020-01-07🔒Charge registered #2Lender: Triple Point Advancr Leasing PLC
- 2018-12-18🔓Charge satisfied #1
- 2018-12-13➕WEBSTER, Craig Stewart appointeddirector
- 2018-12-13➖ANDERSON, Kenneth David resigneddirector
- 2012-07-31➖YOUNG, Robin Alexander resigneddirector
- 2012-06-29➕ANDERSON, Kenneth David appointeddirector
- 2004-10-15➕MORTON, John Dick Runcie appointedsecretary
- 2004-10-01➖MATTHEWS, Hazel Elizabeth resignedsecretary
- 2003-05-30🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2002-11-26➕MATTHEWS, Hazel Elizabeth appointedsecretary
- 2002-11-26➖YOUNG, Robin Alexander resignedsecretary
- 2002-11-26➖MCFETRIDGE, David James resigneddirector
- 2000-03-28➕YOUNG, Robin Alexander appointedsecretary
- 2000-03-28➖BRIAN REID LTD. resignedcorporate-nominee-secretary
- 2000-03-28➕MCFETRIDGE, David James appointeddirector
- 2000-03-28➕YOUNG, Robin Alexander appointeddirector
- 2000-03-28➖STEPHEN MABBOTT LTD. resignedcorporate-nominee-director
- 2000-02-29🏢Company incorporatedAs ADVANTA RISK LTD
Showing most recent 50 of 52 events
Owner dependency
48/100
Moderate — manageable with handoverSome 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.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
40/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Advanta Solutions Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Advanta Solutions Limited
Corporate parent · holds 75-100% shares · board control
⬇
ADVANTA RISK LTD
This company · SC204478
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Advanta Solutions Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 13/12/2018 |
1 historic (ceased) PSC
- One Integrated Solution Limitedceased 13/12/2018· 75-100% shares · 75-100% voting · board control
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
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|---|---|---|---|---|---|---|---|
| 5 BEARS LTD→ SC868284 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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| ACTUALI LTD→ SC745247 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ADASTRA HOLDINGS LTD→ SC778991 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AFFINITY FINANCIAL PLANNING LIMITED→ SC222052 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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.
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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
Incorporated2000-02-29
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
121 West Regent Street
Glasgow
G2 2SD
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-26
Last: 2025-09-12
Officers (4 active · 8 resigned)
D'ARCY, Kevin James→
Activedirector · ~39y · appointed 2025-02-28
View their other companies + combined net worth →
PEARSON, Mark Robert→
Activedirector · ~60y · appointed 2024-07-31
View their other companies + combined net worth →
SEATH, Gregory→
Activedirector · ~56y · appointed 2025-02-28
View their other companies + combined net worth →
WEBSTER, Craig Stewart→
Activedirector · ~55y · appointed 2018-12-13
View their other companies + combined net worth →
MATTHEWS, Hazel Elizabeth→
Resignedsecretary · appointed 2002-11-26 · resigned 2004-10-01
MORTON, John Dick Runcie→
Resignedsecretary · appointed 2004-10-15 · resigned 2024-07-31
YOUNG, Robin Alexander→
Resignedsecretary · appointed 2000-03-28 · resigned 2002-11-26
BRIAN REID LTD.→
Resignedcorporate-nominee-secretary · appointed 2000-02-29 · resigned 2000-03-28
ANDERSON, Kenneth David→
Resigneddirector · ~62y · appointed 2012-06-29 · resigned 2018-12-13
MCFETRIDGE, David James→
Resigneddirector · ~70y · appointed 2000-03-28 · resigned 2002-11-26
YOUNG, Robin Alexander→
Resigneddirector · ~69y · appointed 2000-03-28 · resigned 2012-07-31
STEPHEN MABBOTT LTD.→
Resignedcorporate-nominee-director · appointed 2000-02-29 · resigned 2000-03-28
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Beech Tree Gp Iii in Its Capacity as Security Trustee for and on Behalf of the Security Beneficiaries (As Defined in the Instrument) Beech Tree Gp Iii Limited in Its Capacity as Security Trustee for and on Behalf of the Security Beneficiaries (As Defined in the Instrument) | A registered charge | 1 property | 26/04/2024 | 16/10/2024 | |
| satisfied | Beech Tree Gp Iii as Security Trustee Beech Tree Gp Iii Limited as Security Trustee | A registered charge | 1 property | 30/09/2022 | 16/10/2024 | |
| satisfied | Beech Tree Gp Iii (As Security Trustee) Beech Tree Gp Iii Limited (As Security Trustee) | A registered charge | 1 property | 22/12/2020 | 16/10/2024 | |
| satisfied | Triple Point Advancr Leasing Triple Point Advancr Leasing PLC | A registered charge | 1 property | 07/01/2020 | 16/10/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 30/05/2003 | 18/12/2018 |
Recent filings (114 total)
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2026-01-11
legacy
accounts · PARENT_ACC
2026-01-11
legacy
other · GUARANTEE2
2026-01-11
legacy
other · AGREEMENT2
2026-01-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-17
appoint-person-director-company-with-name-date
officers · AP01
2025-03-04
appoint-person-director-company-with-name-date
officers · AP01
2025-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-27
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-01-27
legacy
accounts · PARENT_ACC
2025-01-27
legacy
other · AGREEMENT2
2025-01-06
legacy
other · GUARANTEE2
2025-01-06
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-16