A1 FINANCIAL SOLUTIONS LTD

🌳Matureactive
SC270607 · ltd · incorporated 2004-07-13
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
—
book net assets
Opportunity
81/100
Exceptional
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 62-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 62). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (70/100)

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
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
4 connected companies via shared directors
57
Filing history
62 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
81/100Exceptional
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
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£30k£60k£90k£119k£149kSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-09-302023-09-30
Total assets—£83.6k
Current assets—£149.3k
Net assets—£74.9k
Average employees200—

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 (25 events)Click to expand
  1. 2025-06-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-06-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-04-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2020-08-28
    📄
    second-filing-of-confirmation-statement-with-made-up-date
    confirmation-statement · RP04CS01
  7. 2020-03-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-11-07
    📄
    capital-allotment-shares
    capital · SH01
  9. 2019-01-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-01-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-11-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2017-07-26
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2017-01-16
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2016-12-12
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2016-12-05
    ➖
    MACPHERSON, Fergus Cameron resigned
    director
  16. 2015-11-06
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2004-07-14
    ➖
    FORM 10 SECRETARIES FD LTD resigned
    corporate-nominee-secretary
  18. 2004-07-14
    ➖
    FORM 10 DIRECTORS FD LTD resigned
    corporate-nominee-director
  19. 2004-07-13
    🏢
    Company incorporated
    As A1 FINANCIAL SOLUTIONS LTD
  20. 2004-07-13
    ➕
    WALDRON, Paul Martin appointed
    secretary
  21. 2004-07-13
    ➕
    IMRIE, Alistair Andrew Roberts appointed
    director
  22. 2004-07-13
    ➕
    WALDRON, Paul Martin appointed
    director
  23. 2004-07-13
    ➕
    FORM 10 SECRETARIES FD LTD appointed
    corporate-nominee-secretary
  24. 2004-07-13
    ➕
    MACPHERSON, Fergus Cameron appointed
    director
  25. 2004-07-13
    ➕
    FORM 10 DIRECTORS FD LTD appointed
    corporate-nominee-director

Owner dependency

76/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.

Succession & seller-readiness

76/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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.)
🔒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

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
Incorporated2004-07-13
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

103 Rose Street North Lane
Edinburgh
EH2 3DX
Scotland

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-07-25
Last: 2025-07-11

Officers (3 active · 3 resigned)

WALDRON, Paul Martin→
secretary · appointed 2004-07-13
View their other companies + combined net worth →
Active
IMRIE, Alistair Andrew Roberts→
director · ~62y · appointed 2004-07-13
View their other companies + combined net worth →
Active
WALDRON, Paul Martin→
director · ~58y · appointed 2004-07-13
View their other companies + combined net worth →
Active
FORM 10 SECRETARIES FD LTD→
corporate-nominee-secretary · appointed 2004-07-13 · resigned 2004-07-14
Resigned
MACPHERSON, Fergus Cameron→
director · ~59y · appointed 2004-07-13 · resigned 2016-12-05
Resigned
FORM 10 DIRECTORS FD LTD→
corporate-nominee-director · appointed 2004-07-13 · resigned 2004-07-14
Resigned

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

Recent filings (62 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-11
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-29
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2020-08-28
confirmation-statement-with-updates
confirmation-statement · CS01
2020-07-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-03-13
capital-allotment-shares
capital · SH01
2019-11-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-07-13