ELGAR FINLAY LIMITED
🌳Matureactive
SC521282 · ltd · incorporated 2015-11-26
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 Jan 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Management consultancy activities other than financial management
Sector: Professional, scientific & technical
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (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: strategic trade sale (63/100).
Data confidence
Overall: medium (76/100)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
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
29 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2025-11-05📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-01-25📄gazette-filings-brought-up-to-dategazette · DISS40
- 2025-01-24📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-12-31📄gazette-notice-compulsorygazette · GAZ1
- 2024-03-02📄gazette-filings-brought-up-to-dategazette · DISS40
- 2024-02-06📄gazette-notice-compulsorygazette · GAZ1
- 2023-11-16📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-02-01📄gazette-filings-brought-up-to-dategazette · DISS40
- 2023-01-31📄gazette-notice-compulsorygazette · GAZ1
- 2022-02-24📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-03-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-10-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-10➕STEPHENSON, Rachel appointeddirector
- 2019-10-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-10-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2015-11-26🏢Company incorporatedAs ELGAR FINLAY LIMITED
- 2015-11-26➕FINLAY, Elgar appointedsecretary
- 2015-11-26➕FINLAY, Elgar appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
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 "FINLAY" — strong identity link between founder and business.
Succession & seller-readiness
41/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo 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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Thomas Elgar Wallace Finlay Individual · British · DOB 10/1978 · age 48 | 75–100% | — | 75-100% shares | 01/11/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| PEGASUS ACCESS & NDT LTD→ SC584541 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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| SCOTSAFE SERVICES LIMITED→ SC654000 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| SCOTT VETTERS ENGINEERING LTD→ SC524264 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| SCOTT WEALTH MANAGEMENT LIMITED→ SC844826 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| SEAMAID MARINE LTD→ SC822732 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| SEASMHACH LTD→ SC878486 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| SELF FACTOR COACHING LTD→ SC882977 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| SIGMAPM LIMITED→ SC295442 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| SIMPLE FIGURES LTD→ SC811234 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| SK SUBSEA LTD→ SC752146 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2015-11-26
Jurisdictionscotland
Primary SIC70229 — Management consultancy activities other than financial management
Registered office
Summerlea
Manse Lane
Portree
Isle Of Skye
IV51 9QR
Scotland
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-11-30
Last: 2025-11-16
Officers (3 active · 0 resigned)
Active
FINLAY, Elgar→
Activedirector · ~48y · appointed 2015-11-26
View their other companies + combined net worth →
STEPHENSON, Rachel→
Activedirector · ~50y · appointed 2019-10-10
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (29 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-06
accounts-with-accounts-type-dormant
accounts · AA
2025-11-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-13
gazette-filings-brought-up-to-date
gazette · DISS40
2025-01-25
accounts-with-accounts-type-dormant
accounts · AA
2025-01-24
gazette-notice-compulsory
gazette · GAZ1
2024-12-31
gazette-filings-brought-up-to-date
gazette · DISS40
2024-03-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-29
gazette-notice-compulsory
gazette · GAZ1
2024-02-06
accounts-with-accounts-type-dormant
accounts · AA
2023-11-16
gazette-filings-brought-up-to-date
gazette · DISS40
2023-02-01
gazette-notice-compulsory
gazette · GAZ1
2023-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-26
accounts-with-accounts-type-dormant
accounts · AA
2022-02-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-21