ADVANTA WEALTH LTD

🌳Matureactive

SC433830 · ltd · incorporated 2012-10-02

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

—

not disclosed

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 77/100. Strong seller-intent signal (73/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

5 live charges · 5 lenders · oldest 8.4y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 8.4 years old — likely at or near maturity.
· 5 lenders named — inter-creditor friction likely.
· Legal-friction score 25/100 — workable, but lender will want more DD.

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

Lenders & charges

5 charges (5/5 with lender, 5/5 with type)

Directors & officers

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

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

14 connected companies via shared directors

Filing history

60 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

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.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

• 1 accounts
• 1 officers

Counts from Companies House filing history.

Corporate timeline (44 events)Click to expand

2026-01-08
📄
accounts-with-accounts-type-full
accounts · AA
2025-12-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-11-24
➖
EMAMY, Ali resigned
director
2025-03-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-03-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-02-28
➕
D'ARCY, Kevin James appointed
director
2025-02-28
➕
SEATH, Gregory appointed
director
2025-01-13
📄
accounts-with-accounts-type-full
accounts · AA
2024-10-16
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-16
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-16
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-16
🔓
Charge satisfied #5
2024-10-16
🔓
Charge satisfied #4
2024-10-16
🔓
Charge satisfied #3
2024-04-30
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-26
🔒
Charge registered #5
Lender: Beech Tree Gp Iii Limited in Its Capacity as Security Trustee for and on Behalf of the Security Beneficiaries (As Defined in the Instrument)
2024-01-24
📄
change-person-director-company-with-change-date
officers · CH01
2024-01-10
📄
accounts-with-accounts-type-full
accounts · AA
2023-11-28
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-11-17
➖
FEENEY, Christopher resigned
director
2023-10-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-10-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-10-04
➕
CLIFF, Mark appointed
director
2023-10-04
➕
HUGHES, Christopher Michael appointed
director
2023-01-10
📄
accounts-with-accounts-type-small
accounts · AA
2023-01-06
➕
EMAMY, Ali appointed
director
2023-01-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-12-30
📄
mortgage-satisfy-charge-full
mortgage · MR04
2022-12-30
🔓
Charge satisfied #2
2022-10-06
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-09-30
🔒
Charge registered #4
Lender: Beech Tree Gp Iii Limited as Security Trustee
2022-09-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-09-02
➕
PEARSON, Mark Robert appointed
director
2021-12-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-06
➕
PIGGOT, Gillian Clare appointed
director
2020-12-22
🔒
Charge registered #3
Lender: Beech Tree Gp Iii Limited (As Security Trustee)
2020-01-07
🔒
Charge registered #2
Lender: Triple Point Advancr Leasing PLC
2019-11-18
🔓
Charge satisfied #1
2019-11-01
➕
FEENEY, Christopher appointed
director
2017-12-14
➖
ANDERSON, Kenneth David resigned
director
2017-11-29
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
2015-10-22
➕
WEBSTER, Craig Stewart appointed
director
2012-10-02
🏢
Company incorporated
As ADVANTA WEALTH LTD
2012-10-02
➕
ANDERSON, Kenneth David appointed
director

Owner dependency

55/100

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.
+Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

55/100

Strong succession signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Advanta Solutions Ltd. is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Advanta Solutions Ltd.

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

ADVANTA WEALTH LTD

This company · SC433830

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
Advanta Solutions Ltd. Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	14/12/2017

1 historic (ceased) PSC

Mr Kenneth David Andersonceased 14/12/2017· 50-75% shares · 50-75% voting

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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ACTUALI LTD→ SC745247 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
ADASTRA HOLDINGS LTD→ SC778991 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ADVANTA RISK LTD→ SC204478 · est 2000 · no financials extracted	—	—	—	—	26y	—	—
AFFINITY FINANCIAL PLANNING LIMITED→ SC222052 · est 2001 · no financials extracted	—	—	—	—	24y	—	—
AGILITY FINANCIAL MANAGEMENT LTD→ SC381384 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
ALEX MUNRO LIMITED→ SC088995 · est 1984 · no financials extracted	—	—	—	—	41y	—	—
ALF PROPERTY LTD→ SC802218 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
ALISTAIR CRAIG FINANCIAL SERVICES LTD→ SC646101 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
ALKEMY LIMITED→ SC610408 · est 2018 · no financials extracted	—	—	—	—	7y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2012-10-02

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

121 West Regent Street

Glasgow

G2 2SD

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-09-26

Last: 2025-09-12