PHOENIX WEALTH SOLUTIONS LIMITED

🌳Matureactive

SC222334 · ltd · incorporated 2001-08-17

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 20.5y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Aug 2025

Net worth

£1.01M

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Other activities auxiliary to financial services, except insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (60/100, director aged 59). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 20.5y

70/100

ready

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

· Oldest live charge is 20.5 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· 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, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

7 officers (5 active, 7 linked, 4 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

78 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £1,014,978

Cash YoY

+49%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£1.0m

↑ 49% YoY

Net Worth

£1.0m

↑ 42% YoY

Current Assets

£1.1m

↑ 54% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-08-31	2024-08-31
Total assets	£1.03M	£722.4k
Current assets	£1.09M	£706.8k
Cash	£1.02M	£683.6k
Debtors	£75.8k	£23.2k
Net assets	£1.01M	£714.6k

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

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (32 events)Click to expand

2025-10-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-17
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-03-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-20
📄
capital-name-of-class-of-shares
capital · SH08
2025-02-20
📄
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2025-02-17
📄
memorandum-articles
incorporation · MA
2025-02-17
📄
resolution
resolution · RESOLUTIONS
2024-07-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-06-05
➕
NICOL, Lynne Agnes appointed
director
2024-04-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-27
📄
mortgage-satisfy-charge-full
mortgage · MR04
2023-05-27
📄
mortgage-satisfy-charge-full
mortgage · MR04
2023-05-27
🔓
Charge satisfied #2
2023-05-27
🔓
Charge satisfied #1
2023-03-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-04
📄
capital-name-of-class-of-shares
capital · SH08
2021-06-03
📄
capital-name-of-class-of-shares
capital · SH08
2021-06-02
📄
memorandum-articles
incorporation · MA
2021-06-02
📄
resolution
resolution · RESOLUTIONS
2021-04-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-07-16
➕
MACDONALD, Katie appointed
director
2016-04-13
🔒
Charge registered #2
Lender: Clydesdale Bank PLC
2005-11-02
🔒
Charge registered #1
Lender: Clydesdale Bank Public Limited Company
2001-08-17
🏢
Company incorporated
As PHOENIX WEALTH SOLUTIONS LIMITED
2001-08-17
➕
MACDONALD, Sharon appointed
secretary
2001-08-17
➕
MACDONALD, Colin David appointed
director
2001-08-17
➕
MACDONALD, Sharon appointed
director
2001-08-17
➕
BRIAN REID LTD. appointed
corporate-nominee-secretary
2001-08-17
➖
BRIAN REID LTD. resigned
corporate-nominee-secretary
2001-08-17
➕
STEPHEN MABBOTT LTD. appointed
corporate-nominee-director
2001-08-17
➖
STEPHEN MABBOTT LTD. resigned
corporate-nominee-director

Owner dependency

66/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 59 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

60/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
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.)

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Colin David Macdonald Individual · British · DOB 03/1969 · age 57	50–75%	50–75%	board control50-75% shares · 50-75% voting · board control	06/04/2016
Sharon Macdonald Individual · British · DOB 08/1967 · age 59	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	06/04/2016

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 · PA postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AFFLUENT FINANCIAL PLANNING LTD.→ SC161571 · est 1995	—	—	—	700	30y	82	62y
FIREBIRD CAPITAL LTD→ SC244105 · est 2003	—	—	—	—	23y	82	73y
MANOR PARK FINANCIAL SERVICES LIMITED→ SC133100 · est 1991 · no financials extracted	—	—	—	—	34y	82	69y
ADVANCED (SCOTLAND) LIMITED→ SC280438 · est 2005	—	—	£106.0k	—	21y	81	64y
FINANCIAL PLANNING OPTIONS LTD→ SC319521 · est 2007	—	—	£278.2k	—	19y	81	59y
A & J MORTGAGES LIMITED→ SC287935 · est 2005	—	—	£9.7k	—	20y	80	63y
ADVANCED FINANCIAL STRATEGIES LIMITED→ SC303141 · est 2006	—	—	£13.0k	—	19y	80	66y
ARGYLL WEALTH CONSULTANTS LIMITED→ SC244103 · est 2003	—	—	—	400	23y	80	69y
CONQUER MORTGAGE SERVICES LIMITED→ SC265558 · est 2004	—	—	£23.1k	—	22y	80	62y
FINANCIAL PLANNING OBJECTIVES LIMITED→ SC303462 · est 2006	—	—	—	4	19y	80	63y
G H J S LTD.→ SC353072 · est 2009	—	—	£155.1k	—	17y	80	80y
INDEPENDENT FIRST LIMITED→ SC221380 · est 2001	—	—	£207.4k	—	24y	80	66y

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.

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Company details

Statusactive

Typeltd

Incorporated2001-08-17

Jurisdictionscotland

Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

22 Church Street

Johnstone

Renfrewshire

PA5 8DU

Filing status

Accounts

Next due: 2027-05-31

Last made up to: 2025-08-31

Confirmation statement

Next due: 2027-05-20

Last: 2026-05-06