SAVEONLIFE.CO.UK LIMITED

🌳Matureactive

SC411609 · ltd · incorporated 2011-11-18

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.

Why now

Window steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Nov 2024

Net worth

—

book net assets

Opportunity

73/100

Strong

🔒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

Pursue

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

Opportunity 73/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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

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

Ownership & PSC

3 active PSC(s) of 3 total, 3 with control declared

Director network

7 connected companies via shared directors

Filing history

44 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

73/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-11-30	2023-11-30
Average employees	0	0

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 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (20 events)Click to expand

2025-08-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-06
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-08-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-11
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-11-11
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-11-11
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-08-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-05
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-11-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-08-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-11-13
📄
change-person-director-company-with-change-date
officers · CH01
2018-11-13
📄
change-person-director-company-with-change-date
officers · CH01
2018-11-13
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2018-11-13
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2018-04-24
➕
JOYNES, Gary appointed
director
2011-11-18
🏢
Company incorporated
As SAVEONLIFE.CO.UK LIMITED
2011-11-18
➕
DELANY, Kelley Marie appointed
director
2011-11-18
➕
DELANY, Martin Edward appointed
director

Owner dependency

58/100

Moderate — manageable with handover

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

FACTORS

+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

43/100

Moderate signal

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

SIGNALS

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

3 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Gary Joynes Individual · English · DOB 06/1975 · age 51	25–50%	—	25-50% shares	24/04/2018
Mr Martin Edward Delany Individual · British · DOB 12/1979 · age 47	25–50%	25–50%	25-50% shares · 25-50% voting	01/07/2016
Mrs Kelley Marie Delany Individual · British · DOB 05/1981 · age 45	25–50%	25–50%	25-50% shares · 25-50% voting	01/07/2016

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 · FK postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
RUSSEL + AITKEN NOMINEES LIMITED→ SC052053 · est 1972	—	—	—	5	53y	83	69y
DENIS O. BROWN & ASSOCIATES LIMITED→ SC046416 · est 1969 · no financials extracted	—	—	—	—	57y	82	67y
FULCRUM INSURED EMPLOYEE BENEFITS LIMITED→ SC335390 · est 2007	—	—	£89.8k	—	18y	82	65y
GEORGE GILL FINANCIAL SERVICES LTD.→ SC299207 · est 2006	—	—	£110.3k	—	20y	82	61y
THE MORTGAGE DESK (SCOTLAND) LIMITED→ SC143635 · est 1993	—	—	—	—	33y	82	77y
ASSET & GENERAL FINANCE LTD→ SC308532 · est 2006	—	—	£1.6k	—	19y	81	63y
FRASER TENNANT FINANCIAL SOLUTIONS LIMITED→ SC249345 · est 2003 · no financials extracted	—	—	—	—	23y	81	61y
STRATEGIC INNOVATIVE FINANCE LTD.→ SC265516 · est 2004	—	—	£5.5k	—	22y	81	64y
A.R.D. CONSULTANCY LIMITED→ SC334089 · est 2007	—	—	—	900	18y	80	64y
ASM RECOVERY LIMITED→ SC340517 · est 2008	—	—	—	100	18y	80	65y
FALKIRK MORTGAGE ADVICE CENTRE (SCOTLAND) LTD→ SC358034 · est 2009	—	—	£16.8k	—	17y	80	59y
GT MORTGAGES LTD.→ SC298635 · est 2006	—	—	—	200	20y	80	67y

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

Incorporated2011-11-18

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

The E Centre

Cooperage Way Business Village

Alloa

FK10 3LP

Scotland

Filing status

Accounts

Next due: 2026-08-31

Last made up to: 2024-11-30

Confirmation statement

Next due: 2026-12-05

Last: 2025-11-21

Officers (3 active · 0 resigned)

DELANY, Kelley Marie→

director · ~45y · appointed 2011-11-18

View their other companies + combined net worth →

Active

DELANY, Martin Edward→

director · ~47y · appointed 2011-11-18

View their other companies + combined net worth →

Active

JOYNES, Gary→

director · ~51y · appointed 2018-04-24

View their other companies + combined net worth →

Active

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