AAB VIRTUAL FINANCE LIMITED
🏛️Establishedactive
SC545996 · ltd · incorporated 2016-09-22
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
69/100
Strong
What this business does
Primary activity: Activities of other holding companies n.e.c.
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle. Reasonable fundamentals — worth a memo before deciding.
Opportunity 69/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
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
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
12 officers (5 active, 12 linked, 11 with DOB)
88
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
22 connected companies via shared directors
90
Filing history
74 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
90
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
4
filings
- • 2 accounts
- • 2 other
Counts from Companies House filing history.
Corporate timeline (42 events)Click to expand
- 2026-01-26📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-12-27📄legacyother · AGREEMENT2
- 2025-12-22📄legacyaccounts · PARENT_ACC
- 2025-12-22📄legacyother · GUARANTEE2
- 2024-12-28📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-12-28📄legacyaccounts · PARENT_ACC
- 2024-12-28📄legacyother · AGREEMENT2
- 2024-12-28📄legacyother · GUARANTEE2
- 2024-09-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-01➕HIGGINS, Gavin Stewart appointeddirector
- 2024-09-01➕JONES, Alison appointeddirector
- 2024-09-01➖BREMNER, Ian resigneddirector
- 2024-08-31➖FINNIE, Graeme Alexander Lumsden resigneddirector
- 2024-08-31➖HUGHES, Stephen Gerrard resigneddirector
- 2024-06-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-06-18✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-06-18📄resolutionresolution · RESOLUTIONS
- 2024-01-31📄accounts-with-accounts-type-smallaccounts · AA
- 2024-01-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-12-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-11-28➖TAYLOR, Scott Allan resigneddirector
- 2023-10-19📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2023-05-16➕ADDLESHAW GODDARD (SCOTLAND) SECRETARIAL LIMITED appointedcorporate-secretary
- 2023-05-16📄appoint-corporate-secretary-company-with-name-dateofficers · AP04
- 2023-05-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-21➕MARTIN, Douglas Robert appointeddirector
- 2023-04-21➕MITCHELL, Derek Sinclair appointeddirector
- 2023-04-21➖BLACKBURN, Eileen resigneddirector
- 2023-04-21➖CALLAN, Gregory resigneddirector
- 2023-04-21➕TAYLOR, Scott Allan appointeddirector
- 2017-10-09➕BLACKBURN, Eileen appointeddirector
- 2016-11-29➕BREMNER, Ian appointeddirector
- 2016-11-29➕CALLAN, Gregory appointeddirector
- 2016-11-29➖DEANE, David William resigneddirector
- 2016-11-29➕FINNIE, Graeme Alexander Lumsden appointeddirector
- 2016-11-29➕HUGHES, Stephen Gerrard appointeddirector
- 2016-09-22🏢Company incorporatedAs AAB VIRTUAL FINANCE LIMITED
- 2016-09-22➕DEANE, David William appointeddirector
Owner dependency
40/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
1 med ·Name changed recently
mediumName changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2024-06-18: certificate-change-of-name-company
Group structure
Pioneer Bidco Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Pioneer Bidco Limited
Corporate parent · holds 75-100% shares · board control
⬇
AAB VIRTUAL FINANCE LIMITED
This company · SC545996
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 |
|---|---|---|---|---|
Pioneer Bidco Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 21/04/2023 |
2 historic (ceased) PSCs
- French Duncan Llpceased 01/05/2021· 75-100% voting
- Mr David William Deaneceased 09/11/2016· 75-100% shares · 75-100% 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
Active · Holding company · AB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| COWRIE HOLDINGS LIMITED→ SC700069 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| DUGUID PROPERTY HOLDINGS LTD→ SC876768 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ELEMENTAL GROUP HOLDINGS LIMITED→ SC809860 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ERIS GG LIMITED→ SC053155 · est 1973 · no financials extracted | — | — | — | — | 52y | — | — |
| ESSLEMONT PARTNERS LIMITED→ SC447219 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| ETHOSENERGY (MIDDLE EAST) LIMITED→ SC099690 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| ETOH MARKETING LIMITED→ SC557844 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| FIDONA PROPERTY LIMITED→ SC835551 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| FOOD HUB (NES) LTD→ SC620252 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| FORTH GROUP LIMITED→ SC227669 · est 2002 · no financials extracted | — | — | — | — | 24y | — | — |
| FRASER & MULLIGAN TRUSTEES LIMITED→ SC516066 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| G A ENGINEERING (GROUP) LIMITED→ SC448644 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
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
Incorporated2016-09-22
Jurisdictionscotland
Primary SIC64209 — Activities of other holding companies n.e.c.
Registered office
Kingshill View, Kingswells Causeway, Prime Four Business Park
Kingswells
Aberdeen
AB15 8PU
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-05
Last: 2025-09-21
Officers (5 active · 7 resigned)
ADDLESHAW GODDARD (SCOTLAND) SECRETARIAL LIMITED→
Activecorporate-secretary · appointed 2023-05-16
View their other companies + combined net worth →
HIGGINS, Gavin Stewart→
Activedirector · ~49y · appointed 2024-09-01
View their other companies + combined net worth →
JONES, Alison→
Activedirector · ~55y · appointed 2024-09-01
View their other companies + combined net worth →
MARTIN, Douglas Robert→
Activedirector · ~46y · appointed 2023-04-21
View their other companies + combined net worth →
MITCHELL, Derek Sinclair→
Activedirector · ~48y · appointed 2023-04-21
View their other companies + combined net worth →
BLACKBURN, Eileen→
Resigneddirector · ~66y · appointed 2017-10-09 · resigned 2023-04-21
BREMNER, Ian→
Resigneddirector · ~65y · appointed 2016-11-29 · resigned 2024-09-01
CALLAN, Gregory→
Resigneddirector · ~64y · appointed 2016-11-29 · resigned 2023-04-21
DEANE, David William→
Resigneddirector · ~62y · appointed 2016-09-22 · resigned 2016-11-29
FINNIE, Graeme Alexander Lumsden→
Resigneddirector · ~56y · appointed 2016-11-29 · resigned 2024-08-31
HUGHES, Stephen Gerrard→
Resigneddirector · ~58y · appointed 2016-11-29 · resigned 2024-08-31
TAYLOR, Scott Allan→
Resigneddirector · ~54y · appointed 2023-04-21 · resigned 2023-11-28
Click a director name to see their full track record across all companies.
Recent filings (74 total)
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2026-01-26
legacy
other · AGREEMENT2
2025-12-27
legacy
accounts · PARENT_ACC
2025-12-22
legacy
other · GUARANTEE2
2025-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-22
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-12-28
legacy
accounts · PARENT_ACC
2024-12-28
legacy
other · AGREEMENT2
2024-12-28
legacy
other · GUARANTEE2
2024-12-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-30
appoint-person-director-company-with-name-date
officers · AP01
2024-09-24
appoint-person-director-company-with-name-date
officers · AP01
2024-09-24
termination-director-company-with-name-termination-date
officers · TM01
2024-09-24
termination-director-company-with-name-termination-date
officers · TM01
2024-09-05
termination-director-company-with-name-termination-date
officers · TM01
2024-09-05