PERSONAL WEALTH MANAGEMENT LTD

💤Zombieactive
SC269623 · ltd · incorporated 2004-06-21
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£416.5k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 64-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

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
Confirmed no charges registered
85
Directors & officers
4 officers (1 active, 4 linked, 1 with DOB)
75
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
53 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £416,485
Cash YoY
+3%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£398k
↑ 3.3% YoY
Net Worth
£416k
↑ 16% YoY
Current Assets
£461k
↑ 2.7% YoY
Current Liabilities
—
£0£92k£184k£276k£369k£461kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-06-302024-06-30
Total assets£420.2k£372.8k
Current assets£460.7k£448.6k
Cash£397.6k£384.9k
Debtors£63.1k£63.7k
Net assets£416.5k£359.5k

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
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2026-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-03-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-04-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-03-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-06-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-08-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2020-06-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-03-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-04-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-06-26
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  12. 2017-03-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2016-07-21
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2016-07-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2016-03-31
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2015-10-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2015-08-14
    ➖
    EDMISTON, Carolyn resigned
    secretary
  18. 2004-06-23
    ➕
    EDMISTON, Scott Colin appointed
    director
  19. 2004-06-23
    ➕
    EDMISTON, Carolyn appointed
    secretary
  20. 2004-06-23
    ➖
    FORM 10 SECRETARIES FD LTD resigned
    corporate-nominee-secretary
  21. 2004-06-23
    ➖
    FORM 10 DIRECTORS FD LTD resigned
    corporate-nominee-director
  22. 2004-06-21
    🏢
    Company incorporated
    As PERSONAL WEALTH MANAGEMENT LTD
  23. 2004-06-21
    ➕
    FORM 10 SECRETARIES FD LTD appointed
    corporate-nominee-secretary
  24. 2004-06-21
    ➕
    FORM 10 DIRECTORS FD LTD appointed
    corporate-nominee-director

Owner dependency

93/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

95/100
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 64. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 22 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.)

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Scott Colin Edmiston
Individual · British · DOB 06/1962 · age 64
——sig. influencesignificant influence06/04/2016

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 →

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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
Incorporated2004-06-21
Jurisdictionscotland
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

Blebo Tower
Blebo Craigs
St Andrews
Fife
KY15 5TZ
Scotland

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-07-05
Last: 2025-06-21

Officers (1 active · 3 resigned)

EDMISTON, Scott Colin→
director · ~64y · appointed 2004-06-23
View their other companies + combined net worth →
Active
EDMISTON, Carolyn→
secretary · appointed 2004-06-23 · resigned 2015-08-14
Resigned
FORM 10 SECRETARIES FD LTD→
corporate-nominee-secretary · appointed 2004-06-21 · resigned 2004-06-23
Resigned
FORM 10 DIRECTORS FD LTD→
corporate-nominee-director · appointed 2004-06-21 · resigned 2004-06-23
Resigned

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

Recent filings (53 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-05
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-01
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-30
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-25
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-16
change-person-director-company-with-change-date
officers · CH01
2020-08-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-15
accounts-with-accounts-type-micro-entity
accounts · AA
2020-06-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-07-09