AGILITY FINANCIAL MANAGEMENT LTD

💤Zombieactive
SC381384 · ltd · incorporated 2010-07-02
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 Mar 2025
Net worth
£-29.1k
book net assets
Opportunity
80/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -100% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (79/100)

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
3 officers (2 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
37 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 · FRS 102
Negative net assets
Liabilities exceed assets by £29,146
Very low cash
Cash position: £10
Cash draining
Cash down 100% YoY
Cash YoY
-100%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£10
↓ 100% YoY
Net Worth
-£29k
↓ 14% YoY
Current Assets
—
Current Liabilities
—
-£29k-£22k-£16k-£9k-£2k£5kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£-29.1k£-25.5k
Cash£10£4.8k
Net assets£-29.1k£-25.5k

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
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2026-01-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-07-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-08-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-10-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-11-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2020-10-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-02-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2019-11-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-12-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-01-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2016-12-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-07-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2016-07-26
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2016-01-31
    ➖
    THOMSON, Craig resigned
    director
  15. 2016-01-08
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2015-07-29
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2015-07-21
    ➕
    THOMSON, Craig appointed
    director
  18. 2010-07-02
    🏢
    Company incorporated
    As AGILITY FINANCIAL MANAGEMENT LTD
  19. 2010-07-02
    ➕
    MCGOLDRICK, Deborah Josephine appointed
    secretary
  20. 2010-07-02
    ➕
    WAUGH, Alan Roderick Thomson appointed
    director

Owner dependency

100/100
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 16 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 76 — succession pressure is live.

Succession & seller-readiness

98/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 16 years.
  • secondaryStable-but-static management: Company is 16 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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Alan Roderick Thomson Waugh
Individual · British · DOB 10/1950 · age 76
75–100%
—75-100% shares06/04/2016

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 →

Similar companies

Active · Financial services · G postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
ALEX MUNRO LIMITED→
SC088995 · est 1984 · no financials extracted
————41y——
ALL NAMES TAKEN LTD→
SC677738 · est 2020 · no financials extracted
————5y——
AMANA TRANSFER LTD→
SC869992 · est 2025 · no financials extracted
———————
AMI FINANCIAL SOLUTIONS LIMITED→
SC533818 · est 2016 · no financials extracted
————9y——
AML ASSOCIATES FINANCIAL SERVICES LTD.→
SC238338 · est 2002 · no financials extracted
————23y——
ANISON LTD→
SC327325 · est 2007 · no financials extracted
————18y——
ARC MORTGAGE SOLUTIONS LTD→
SC616999 · est 2018 · no financials extracted
————7y——
ARGYLE FINANCIAL SERVICES LIMITED→
SC314410 · est 2007 · no financials extracted
————19y——
ARGYLE INVESTMENTS LTD.→
SC408418 · est 2011 · no financials extracted
————14y——
ARGYLE PLANNING LIMITED→
SC477671 · est 2014 · no financials extracted
————11y——
ARGYLE PRIVATE OFFICE LTD→
SC454493 · est 2013 · no financials extracted
————12y——
ARGYLE WEALTH MANAGEMENT LTD.→
SC408419 · est 2011 · no financials extracted
————14y——
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2010-07-02
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

145 St. Vincent Street
Glasgow
G2 5JF

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-16
Last: 2025-07-02

Officers (2 active · 1 resigned)

MCGOLDRICK, Deborah Josephine→
secretary · appointed 2010-07-02
View their other companies + combined net worth →
Active
WAUGH, Alan Roderick Thomson→
director · ~76y · appointed 2010-07-02
View their other companies + combined net worth →
Active
THOMSON, Craig→
director · ~63y · appointed 2015-07-21 · resigned 2016-01-31
Resigned

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

Recent filings (37 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-23
change-person-director-company-with-change-date
officers · CH01
2020-02-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-07-11