COLLINS FINANCIAL LTD.
💤Zombieactive
SC589497 · ltd · incorporated 2018-02-21
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£153.2k
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 71/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (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
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
27 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
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
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £153,157
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£153k
↑ 1.0% YoY
Current Assets
£191k
↑ 2.6% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £153.2k | £151.6k |
| Current assets | £191.1k | £186.2k |
| Net assets | £153.2k | £151.6k |
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
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2025-09-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-05📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-03-02📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2023-03-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-25📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2020-02-25📄capital-name-of-class-of-sharescapital · SH08
- 2020-02-25📄resolutionresolution · RESOLUTIONS
- 2019-09-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-04📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2018-11-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-07-12📄capital-allotment-sharescapital · SH01
- 2018-07-12📄resolutionresolution · RESOLUTIONS
- 2018-05-04📄resolutionresolution · RESOLUTIONS
- 2018-02-21🏢Company incorporatedAs COLLINS FINANCIAL LTD.
- 2018-02-21➕COLLINS, Thomas Brian appointeddirector
Owner dependency
95/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "COLLINS" — strong identity link between founder and business.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
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 |
|---|---|---|---|---|
Thomas Brian Collins Individual · British · DOB 03/1971 · age 55 | 25–50% | 75–100% | board control75-100% shares · 75-100% voting · board control | 21/02/2018 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| CALEDONIA CAPITAL LIMITED→ SC719417 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
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| GERUT PROPERTIES LTD→ SC786668 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| MV FINANCE LTD→ SC552652 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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| ORCHARD FINANCIAL PLANNERS LIMITED→ SC393200 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| RISING LIGHT HOLDINGS LTD→ SC863625 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| RYZE CAPITAL LIMITED→ SC799051 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| S & L BARBOUR INVESTMENTS LTD→ SC592699 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| S W FINANCIAL MANAGEMENT LTD→ SC363491 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| S&N PROPERTY AND INVESTMENTS LTD→ SC865150 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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.
See pricing →Company details
Statusactive
Typeltd
Incorporated2018-02-21
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
4 Glen Lyon Walk
Motherwell
ML1 2JS
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-06
Last: 2026-02-20
Officers (1 active · 0 resigned)
COLLINS, Thomas Brian→
Activedirector · ~55y · appointed 2018-02-21
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (27 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-23
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-24
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-12-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-02
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2023-03-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-03-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-28
confirmation-statement
confirmation-statement · CS01
2020-03-04