WEALTHWAY LIMITED
🌳Matureactive
SC207478 · ltd · incorporated 2000-05-25
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 25.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueActive trading company with a 63-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 25.5y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 25.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (77/100)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
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
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
3 active PSC(s) of 4 total, 4 with control declared
90
Director network
Network not yet resolved
30
Filing history
80 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 300 | 300 |
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
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2025-07-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-21📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2024-02-06📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-07-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-01-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-10-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-10-26📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2020-10-23📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-02-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-07-01📄capital-cancellation-sharescapital · SH06
- 2019-07-01📄resolutionresolution · RESOLUTIONS
- 2019-07-01📄capital-return-purchase-own-sharescapital · SH03
- 2019-02-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-04-30➖ROSS, Alexander George resigneddirector
- 2015-10-21🔓Charge satisfied #1
- 2006-04-03➕LC SECRETARIES LIMITED appointedcorporate-secretary
- 2006-04-03➖LEDINGHAM CHALMERS resignedcorporate-nominee-secretary
- 2000-10-26🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2000-06-09➕CHANDLER, Alison appointeddirector
- 2000-06-09➕ROSS, David Thomas appointeddirector
- 2000-06-09➕ROSS, Alexander George appointeddirector
- 2000-06-09➖DURANO LIMITED resignedcorporate-nominee-director
- 2000-05-25🏢Company incorporatedAs WEALTHWAY LIMITED
- 2000-05-25➕LEDINGHAM CHALMERS appointedcorporate-nominee-secretary
- 2000-05-25➕DURANO LIMITED appointedcorporate-nominee-director
Owner dependency
76/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
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.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
Succession & seller-readiness
86/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Elaine Ross Individual · British · DOB 10/1963 · age 63 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 04/09/2020 |
Ms Alison Chandler Individual · British · DOB 03/1970 · age 56 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr David Thomas Ross Individual · British · DOB 08/1963 · age 63 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
1 historic (ceased) PSC
- Mr Alexander George Rossceased 27/01/2020· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · AB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ADAM SINCLAIR & ASSOCIATES WEALTH MANAGEMENT LTD→ SC696858 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BAKER HUGHES UK PENSION TRUSTEES LIMITED→ SC073307 · est 1980 · no financials extracted | — | — | — | — | 45y | — | — |
| CLD INVESTMENT GROUP LTD→ SC823588 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CRAIGENDARROCH INVESTMENTS LIMITED→ SC337515 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| CREEKSTONE LTD→ SC822803 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| D DUFF (ABERDEEN) LIMITED→ SC342342 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| DAVID BIRKMYRE LIMITED→ SC163367 · est 1996 · no financials extracted | — | — | — | — | 30y | — | — |
| DAVID BUTLER FS LIMITED→ SC559622 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| DONN LIMITED→ SC247773 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| EDWARD WILSON FINANCIAL LTD→ SC495979 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ELLON FINANCIAL SERVICES LTD→ SC355449 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| ELLORA FINANCIALS LTD→ SC862626 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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.
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
Incorporated2000-05-25
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Johnstone House
52-54 Rose Street
Aberdeen
AB10 1HA
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-03-26
Last: 2026-03-12
Officers (3 active · 3 resigned)
LC SECRETARIES LIMITED→
Activecorporate-secretary · appointed 2006-04-03
View their other companies + combined net worth →
CHANDLER, Alison→
Activedirector · ~56y · appointed 2000-06-09
View their other companies + combined net worth →
ROSS, David Thomas→
Activedirector · ~63y · appointed 2000-06-09
View their other companies + combined net worth →
LEDINGHAM CHALMERS→
Resignedcorporate-nominee-secretary · appointed 2000-05-25 · resigned 2006-04-03
ROSS, Alexander George→
Resigneddirector · ~92y · appointed 2000-06-09 · resigned 2016-04-30
DURANO LIMITED→
Resignedcorporate-nominee-director · appointed 2000-05-25 · resigned 2000-06-09
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 26/10/2000 | 21/10/2015 |
Recent filings (80 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-11
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-12
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-11
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-27
change-corporate-secretary-company-with-change-date
officers · CH04
2024-03-21
change-person-director-company-with-change-date
officers · CH01
2024-02-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-02-06
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-30
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-11
confirmation-statement-with-updates
confirmation-statement · CS01
2022-05-25
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-19
confirmation-statement-with-updates
confirmation-statement · CS01
2021-05-25
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-06