MCHARDY PRIVATE WEALTH LIMITED

🌳Matureactive

SC324229 · ltd · incorporated 2007-05-23

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 5.6y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Sept 2024

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Other activities auxiliary to insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 79/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 5.6y

85/100

ready

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

· Oldest live charge is 5.6 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (73/100)

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

1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

11 officers (7 active, 11 linked, 10 with DOB)

Ownership & PSC

1 active PSC(s) of 4 total, 4 with control declared

Director network

3 connected companies via shared directors

Filing history

76 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

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.

Key financials

1 year extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-09-30
Average employees	2000

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (37 events)Click to expand

2025-12-15
📄
change-account-reference-date-company-current-extended
accounts · AA01
2025-05-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-05-12
➕
JOHNSON, Stuart appointed
director
2025-05-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-03-19
➕
HARDIE, Alan Murdo appointed
director
2025-03-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-02-28
➕
CRAIG, Jonathan Lindsay Mclaren appointed
director
2025-01-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-01-20
➕
O'BRIEN, Joseph appointed
director
2024-06-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-15
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-02-23
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-06-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-09
➕
THORNTON-SMITH, Mark James appointed
director
2023-03-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-10-25
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-09-05
✏️
certificate-change-of-name-company
change-of-name · CERTNM
2022-03-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-20
📄
memorandum-articles
incorporation · MA
2020-09-24
📄
resolution
resolution · RESOLUTIONS
2020-09-24
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-09-17
🔒
Charge registered #1
Lender: Vertus Capital SPV1 Limited as Lender (As Defined in the Instrument Evidencing the Charge Accompanying This Form MR01)
2020-09-15
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2020-09-15
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2019-06-14
➖
SMITH, Ross Anderson Kemp resigned
director
2018-09-04
➕
FLETCHER, Richard Andrew appointed
director
2018-09-04
➕
KERR, Andrew James appointed
director
2018-09-04
➖
WISHART, Valerie Anne resigned
secretary
2018-09-04
➕
SMITH, Ross Anderson Kemp appointed
director
2018-09-04
➖
WISHART, Iain Paterson, Mr. resigned
director
2018-09-04
➖
WISHART, Valerie Anne resigned
director
2009-07-31
➕
WISHART, Valerie Anne appointed
director
2007-05-23
🏢
Company incorporated
As MCHARDY PRIVATE WEALTH LIMITED
2007-05-23
➕
WISHART, Valerie Anne appointed
secretary
2007-05-23
➕
WISHART, Iain Paterson, Mr. appointed
director

Owner dependency

48/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-7 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

40/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Mchardy Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Mchardy Group Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

MCHARDY PRIVATE WEALTH LIMITED

This company · SC324229

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mchardy Group Limited Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	01/06/2020

3 historic (ceased) PSCs

Mchardy Financial Limitedceased 01/06/2020· 75-100% shares · 75-100% voting
Mr. Iain Paterson Wishartceased 04/09/2018· 50-75% shares
Mrs Valerie Anne Wishartceased 04/09/2018· 25-50% shares

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 · AB postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
KINGSGATE LAW FINANCIAL SERVICES LIMITED→ SC600683 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
LOSSIEMOUTH FISHERMEN'S BENEVOLENT ASSOCIATION LIMITED→ SC185887 · est 1998 · no financials extracted	—	—	—	—	27y	—	—
M3W LTD→ SC215878 · est 2001 · no financials extracted	—	—	—	—	25y	—	—
MCHARDY GROUP HOLDINGS LIMITED→ SC616969 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
NOURAH PARTNERS LIMITED→ SC847426 · est 2025 · no financials extracted	—	—	—	—	—	—	—
PHOENIX INVESTMENTS (SCOTLAND) LIMITED→ SC787113 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
PINEWOOD FINANCIAL SERVICES LIMITED→ SC244892 · est 2003 · no financials extracted	—	—	—	—	23y	—	—
PRISM FINANCIAL SOLUTIONS LIMITED→ SC319589 · est 2007 · no financials extracted	—	—	—	—	19y	—	—
REGENERATE EUROPEAN SUSTAINABLE AGRICULTURE CI GENERAL PARTNER LIMITED→ SC749649 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
RESONANCE BW HOLDINGS LIMITED→ SC667332 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
RESONANCE CHW HOLDINGS LIMITED→ SC677084 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
RESONANCE CW HOLDINGS LIMITED→ SC667328 · est 2020 · no financials extracted	—	—	—	—	5y	—	—

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

Incorporated2007-05-23

Jurisdictionscotland

Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

13 Bon Accord Crescent

Aberdeen

AB11 6DE

Scotland

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-09-30

Confirmation statement

Next due: 2026-06-06

Last: 2025-05-23