PRISM FINANCIAL SOLUTIONS LIMITED

🌳Matureactive

SC319589 · ltd · incorporated 2007-03-26

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

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£3.4k

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Activities of insurance agents and brokers

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle with a 62-year-old founder — textbook succession opportunity.

Opportunity 80/100 (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 (76/100)

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

Confirmed no charges registered

Directors & officers

5 officers (3 active, 5 linked, 2 with DOB)

Ownership & PSC

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

Director network

Network not yet resolved

Filing history

47 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

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

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £3,394

Net assets shrinking

Down £2,517 YoY

Cash YoY

-6%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£17k

↓ 6.1% YoY

Net Worth

£3k

↓ 43% YoY

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Total assets	£3.5k	£6.4k
Cash	£17.4k	£18.5k
Net assets	£3.4k	£5.9k

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

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (23 events)Click to expand

2025-12-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-04
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-06
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-06
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-11-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-12-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-12-08
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-10-31
➕
MCINTOSH, Brenda appointed
director
2016-10-31
📄
appoint-person-director-company-with-name-date
officers · AP01
2016-05-15
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-12-11
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-05-08
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-11-27
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2007-03-26
🏢
Company incorporated
As PRISM FINANCIAL SOLUTIONS LIMITED
2007-03-26
➕
MCINTOSH, Brenda appointed
secretary
2007-03-26
➕
MCINTOSH, David Mitchell appointed
director
2007-03-26
➕
BRIAN REID LTD. appointed
corporate-secretary
2007-03-26
➖
BRIAN REID LTD. resigned
corporate-secretary
2007-03-26
➕
STEPHEN MABBOTT LTD. appointed
corporate-director
2007-03-26
➖
STEPHEN MABBOTT LTD. resigned
corporate-director

Owner dependency

84/100

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

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 62 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

69/100

Strong succession signal

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

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.
secondary12+ year tenure: Director in role 19 years.
secondaryStable-but-static management: Company is 19 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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr David Mitchell Mcintosh Individual · British · DOB 03/1964 · age 62	50–75%	50–75%	50-75% shares · 50-75% voting	01/06/2016
Mrs Brenda Mcintosh Individual · British · DOB 02/1967 · age 59	25–50%	25–50%	25-50% shares · 25-50% voting	01/06/2016

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
MILLER & CO. INVESTMENT MANAGEMENT LIMITED→ SC143600 · est 1993	£363.6k £264.4k–£462.7k	—	—	4	33y	85	61y
PROFESSIONAL FINANCIAL PLANNERS LIMITED→ SC327610 · est 2007	—	—	£2.38M	—	18y	83	69y
WEALTHWAY LIMITED→ SC207478 · est 2000	—	—	—	300	25y	83	63y
ADVANCED FINANCIAL PLANNING SCOTLAND LIMITED→ SC387177 · est 2010	—	—	—	1100	15y	82	72y
ATHOLL SCOTT FINANCIAL SERVICES LIMITED→ SC108824 · est 1988	—	—	£233.4k	—	38y	82	59y
ROBERTSON EQUITY PARTNERS LTD→ SC858688 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ROSSVOLL ADVISORY LIMITED→ SC881180 · est 2026 · no financials extracted	—	—	—	—	—	—	—
S300TRADES LTD→ SC864647 · est 2025 · no financials extracted	—	—	—	—	—	—	—
SARAH FORDE LTD→ SC693616 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
SHARK CAPITAL LTD→ SC701974 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
SINAY LTD→ SC840681 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
SMART THINKING FINANCE LTD→ SC697196 · est 2021 · no financials extracted	—	—	—	—	4y	—	—

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

Incorporated2007-03-26

Jurisdictionscotland

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Devanley

5 Berefold Close

Ellon

Aberdeenshire

AB41 8EZ

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-04-03

Last: 2026-03-20

Officers (3 active · 2 resigned)

MCINTOSH, Brenda→

secretary · appointed 2007-03-26

View their other companies + combined net worth →

Active

MCINTOSH, Brenda→

director · ~59y · appointed 2016-10-31

View their other companies + combined net worth →

Active

MCINTOSH, David Mitchell→

director · ~62y · appointed 2007-03-26

View their other companies + combined net worth →

Active

BRIAN REID LTD.→

corporate-secretary · appointed 2007-03-26 · resigned 2007-03-26

Resigned

STEPHEN MABBOTT LTD.→

corporate-director · appointed 2007-03-26 · resigned 2007-03-26

Resigned

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