DAVID KEDDIE WEALTH MANAGEMENT LTD

🌳Matureactive
SC399242 · ltd · incorporated 2011-05-10
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 Apr 2025
Net worth
£214.2k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Activities of financial services holding companies
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

Data confidence

Overall: medium (78/100)

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 (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
48 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
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
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 · accounting standard not declared
Positive net assets
Net assets £214,229
Net assets shrinking
Down £5,201 YoY
Cash YoY
-3%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£205k
↓ 2.5% YoY
Net Worth
£214k
↓ 2.4% YoY
Current Assets
£247k
↓ 1.8% YoY
Current Liabilities
—
£0£50k£101k£151k£201k£252kApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-052024-04-05
Total assets£215.0k£219.6k
Current assets£247.3k£251.8k
Cash£205.0k£210.3k
Debtors£42.3k£41.5k
Net assets£214.2k£219.4k

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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2025-05-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-05-20
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  4. 2025-05-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2025-05-20
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2025-05-20
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2024-07-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-05-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-07-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-06-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-10-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-08-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2019-07-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2019-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-08-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-05-10
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2018-05-10
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  18. 2011-05-10
    🏢
    Company incorporated
    As DAVID KEDDIE WEALTH MANAGEMENT LTD
  19. 2011-05-10
    ➕
    KEDDIE, David John appointed
    secretary
  20. 2011-05-10
    ➕
    KEDDIE, David John appointed
    director
  21. 2011-05-10
    ➕
    KEDDIE, June Margaret appointed
    director

Owner dependency

89/100
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.
  • +Founder name in company name: Company name contains director surname "KEDDIE" — strong identity link between founder and business.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

59/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 15 years.
  • 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
NameSharesVoting rightsNature of controlNotified
Mr David John Keddie
Individual · British · DOB 05/1966 · age 60
50–75%
50–75%board control50-75% shares · 50-75% voting · board control11/05/2016
Mrs June Margaret Keddie
Individual · British · DOB 08/1965 · age 61
25–50%
25–50%25-50% shares · 25-50% voting11/05/2016

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 →

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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.

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Company details

Statusactive
Typeltd
Incorporated2011-05-10
Jurisdictionscotland
Primary SIC64205 — Activities of financial services holding companies

Registered office

Unit 2, Prospect House Prospect Business Centre
Dundee Technology Park
Dundee
DD2 1TY
Scotland

Filing status

Accounts
Next due: 2027-01-05
Last made up to: 2025-04-05
Confirmation statement
Next due: 2026-05-24
Last: 2025-05-10

Officers (3 active · 0 resigned)

KEDDIE, David John→
secretary · appointed 2011-05-10
View their other companies + combined net worth →
Active
KEDDIE, David John→
director · ~60y · appointed 2011-05-10
View their other companies + combined net worth →
Active
KEDDIE, June Margaret→
director · ~61y · appointed 2011-05-10
View their other companies + combined net worth →
Active

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

Recent filings (48 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-26
change-person-director-company-with-change-date
officers · CH01
2025-05-20
change-person-secretary-company-with-change-date
officers · CH03
2025-05-20
change-person-director-company-with-change-date
officers · CH01
2025-05-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-02
confirmation-statement-with-updates
confirmation-statement · CS01
2021-05-12