FINANCIAL OPTIONS N. E. LIMITED
🌳Matureactive
SC229845 · ltd · incorporated 2002-04-02
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 23.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
£79.3k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 78/100 (strong), bankability 80/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 3 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
3 live charges · oldest 23.9y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 23.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
73 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £79,310
Cash YoY
+431%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£109k
↑ 431% YoY
Net Worth
£79k
↑ 103% YoY
Current Assets
£110k
↑ 421% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-04-05 | 2024-04-05 |
|---|---|---|
| Total assets | £157.7k | £102.7k |
| Current assets | £110.2k | £21.2k |
| Cash | £109.2k | £20.6k |
| Debtors | £1.0k | £579 |
| Net assets | £79.3k | £39.1k |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2025-08-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-05📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-05📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-11-24➕PIRIE, Catherine Knowles appointeddirector
- 2022-05-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-03-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-07-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-11-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-15➖DUNCAN, Clare Louise resigneddirector
- 2015-04-06➕DUNCAN, Clare Louise appointeddirector
- 2014-08-22➕PIRIE, Simon appointedsecretary
- 2014-08-22➖MCRAE, Brown & resignedsecretary
- 2013-08-30➖WISEMAN, James Tait resigneddirector
- 2005-06-23🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2005-04-20🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2002-05-16🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2002-04-02🏢Company incorporatedAs FINANCIAL OPTIONS N. E. LIMITED
- 2002-04-02➕PIRIE, Simon appointeddirector
- 2002-04-02➕MCRAE, Brown & appointedsecretary
- 2002-04-02➕WISEMAN, James Tait appointeddirector
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 24 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
26/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- primaryFamily succession underway: Not a takeover target — PIRIE, Catherine Knowles (same surname) appointed 2022-11-24. Pattern consistent with intra-family handover.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 24 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Catherine Knowles Pirie Individual · Scottish · DOB 07/1988 · age 38 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 13/07/2021 |
Mr Simon Pirie Individual · British · DOB 08/1969 · age 57 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/01/2017 |
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 | — | — |
| 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 | — | — |
| EDWARD WILSON FINANCIAL LTD→ SC495979 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ELLORA FINANCIALS LTD→ SC862626 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ENDOWMENT TRUST OF R.C. DIOCESE OF ABERDEEN, THE→ SC092692 · est 1985 · no financials extracted | — | — | — | — | 41y | — | — |
| FERGUSON LAW FINANCIAL SERVICES LTD→ SC418885 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| FINANCIALSHIELD GROUP LIMITED→ SC589761 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
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
Incorporated2002-04-02
Jurisdictionscotland
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
7 Frithside Street
Fraserburgh
Aberdeenshire
AB43 9AR
Filing status
Accounts
Next due: 2027-01-05
Last made up to: 2025-04-05
Confirmation statement
Next due: 2026-07-27
Last: 2025-07-13
Officers (3 active · 3 resigned)
Active
PIRIE, Catherine Knowles→
Activedirector · ~38y · appointed 2022-11-24
View their other companies + combined net worth →
PIRIE, Simon→
Activedirector · ~57y · appointed 2002-04-02
View their other companies + combined net worth →
MCRAE, Brown &→
Resignedsecretary · appointed 2002-04-02 · resigned 2014-08-22
DUNCAN, Clare Louise→
Resigneddirector · ~45y · appointed 2015-04-06 · resigned 2017-10-15
WISEMAN, James Tait→
Resigneddirector · ~52y · appointed 2002-04-02 · resigned 2013-08-30
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 23/06/2005 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 20/04/2005 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 16/05/2002 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (73 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-05
change-person-director-company-with-change-date
officers · CH01
2024-11-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-05
change-person-director-company-with-change-date
officers · CH01
2024-11-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-04
appoint-person-director-company-with-name-date
officers · AP01
2022-12-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-14