INNOVATE FINANCIAL SERVICES LIMITED
⚰️Wound downdissolved
SC337535 · ltd · incorporated 2008-02-09
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 7.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
57/100
Worth a look
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed unclear — structural issues outweigh the discount.
Opportunity 57/100 (worth a look), bankability 80/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · oldest 7.2y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 7.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (61/100)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
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
11 officers (3 active, 11 linked, 9 with DOB)
86
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
20 connected companies via shared directors
90
Filing history
71 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
57/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
30
Concerning — overdue filings or status flags present.
Acquirability
50
Some acquirability indicators.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
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 (47 events)Click to expand
- 2021-06-01📄gazette-dissolved-voluntarygazette · GAZ2(A)
- 2021-06-01🏁Company dissolved
- 2021-03-16📄gazette-notice-voluntarygazette · GAZ1(A)
- 2021-03-04📄dissolution-application-strike-off-companydissolution · DS01
- 2021-02-04➖CAMPBELL, Colin William resigneddirector
- 2021-02-04➖MCKENZIE, Ian William James resigneddirector
- 2021-02-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-02-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-12-22📄accounts-with-accounts-type-fullaccounts · AA
- 2020-08-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-08-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-08-05🔓Charge satisfied #2
- 2020-08-05🔓Charge satisfied #1
- 2020-07-15📄memorandum-articlesincorporation · MA
- 2020-07-15📄resolutionresolution · RESOLUTIONS
- 2019-08-23📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2019-04-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-04-11➖DONALD, Christopher Keith resigneddirector
- 2019-02-25📄resolutionresolution · RESOLUTIONS
- 2019-02-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-02-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-02-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-02-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-02-05📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2019-02-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-02-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2019-02-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2019-01-31➕ALLEN, Steven Michael appointeddirector
- 2019-01-31➕MOLES, Neil appointeddirector
- 2019-01-31➕WILLIS, Charlotte Emily appointeddirector
- 2019-01-31➖DONALD, Julie Margaret resignedsecretary
- 2019-01-31🔒Charge registered #2Lender: Barclays Bank PLC
- 2019-01-31🔒Charge registered #1Lender: Barclays Bank PLC
- 2016-08-01➖FINDLAY, Richard resigneddirector
- 2015-12-22➕MCKENZIE, Ian William James appointeddirector
- 2015-12-11➕CAMPBELL, Colin William appointeddirector
- 2014-09-18➖DUFF, Peter resigneddirector
- 2014-06-04➕DONALD, Julie Margaret appointedsecretary
- 2014-06-04➖MAXMAC REGISTRATIONS LIMITED resignedcorporate-secretary
- 2011-01-27➕FINDLAY, Richard appointeddirector
- 2008-05-14➕DONALD, Christopher Keith appointeddirector
- 2008-02-09🏢Company incorporatedAs INNOVATE FINANCIAL SERVICES LIMITED
- 2008-02-09➕MAXMAC REGISTRATIONS LIMITED appointedcorporate-secretary
- 2008-02-09➕DUFF, Peter appointednominee-director
- 2008-02-09➖DUFF, Peter resignednominee-director
- 2008-02-09➕DUFF, Peter appointeddirector
Owner dependency
50/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
40/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryStable-but-static management: Company is 18 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high ·Company dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2021-06-01
Group structure
Lawsco Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Lawsco Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
INNOVATE FINANCIAL SERVICES LIMITED
This company · SC337535
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 |
|---|---|---|---|---|
Lawsco Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 31/01/2019 |
1 historic (ceased) PSC
- Mr Christopher Keith Donaldceased 31/01/2019· 50-75% 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
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|---|---|---|---|---|---|---|---|
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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
Statusdissolved
Typeltd
Incorporated2008-02-09
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Investment House
One Alvanley Terrace
Edinburgh
EH9 1DU
Filing status
Accounts
Next due: —
Last made up to: 2019-12-31
Confirmation statement
Next due: —
Last: —
Officers (0 active · 8 resigned)
ALLEN, Steven Michael→
Activedirector · ~45y · appointed 2019-01-31
View their other companies + combined net worth →
Active
WILLIS, Charlotte Emily→
Activedirector · ~54y · appointed 2019-01-31
View their other companies + combined net worth →
DONALD, Julie Margaret→
Resignedsecretary · appointed 2014-06-04 · resigned 2019-01-31
MAXMAC REGISTRATIONS LIMITED→
Resignedcorporate-secretary · appointed 2008-02-09 · resigned 2014-06-04
CAMPBELL, Colin William→
Resigneddirector · ~51y · appointed 2015-12-11 · resigned 2021-02-04
DONALD, Christopher Keith→
Resigneddirector · ~74y · appointed 2008-05-14 · resigned 2019-04-11
DUFF, Peter→
Resignednominee-director · ~68y · appointed 2008-02-09 · resigned 2008-02-09
DUFF, Peter→
Resigneddirector · ~68y · appointed 2008-02-09 · resigned 2014-09-18
FINDLAY, Richard→
Resigneddirector · ~83y · appointed 2011-01-27 · resigned 2016-08-01
MCKENZIE, Ian William James→
Resigneddirector · ~57y · appointed 2015-12-22 · resigned 2021-02-04
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Barclays Barclays Bank PLC | A registered charge | — | 31/01/2019 | 05/08/2020 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | — | 31/01/2019 | 05/08/2020 |
Recent filings (71 total)
gazette-dissolved-voluntary
gazette · GAZ2(A)
2021-06-01
gazette-notice-voluntary
gazette · GAZ1(A)
2021-03-16
dissolution-application-strike-off-company
dissolution · DS01
2021-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-09
termination-director-company-with-name-termination-date
officers · TM01
2021-02-04
termination-director-company-with-name-termination-date
officers · TM01
2021-02-04
accounts-with-accounts-type-full
accounts · AA
2020-12-22
mortgage-satisfy-charge-full
mortgage · MR04
2020-08-05
mortgage-satisfy-charge-full
mortgage · MR04
2020-08-05
memorandum-articles
incorporation · MA
2020-07-15
resolution
resolution · RESOLUTIONS
2020-07-15
confirmation-statement-with-updates
confirmation-statement · CS01
2020-02-10
change-account-reference-date-company-current-extended
accounts · AA01
2019-08-23
termination-director-company-with-name-termination-date
officers · TM01
2019-04-29
resolution
resolution · RESOLUTIONS
2019-02-25