CALLAGHAN FINANCIAL COACHING LIMITED

🏛️Establishedactive

SC593933 · ltd · incorporated 2018-04-10

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

—

year to Apr 2025

Net worth

£698

book net assets

Opportunity

76/100

Strong

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What this business does

Primary activity: Other activities auxiliary to financial services, except insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 76/100 (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: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (79/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

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

Director network

1 connected companies via shared directors

Filing history

16 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

76/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £698

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£698

↑ 518% YoY

Current Assets

£2k

↑ 79% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-04-30	2024-04-30
Total assets	£698	£113
Current assets	£2.1k	£1.2k
Net assets	£698	£113

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days

filing

• 1 confirmation-statement

Last 90 days

filings

• 1 confirmation-statement
• 1 accounts

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (11 events)Click to expand

2026-01-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-18
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-25
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-13
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-07
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-06-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-04-10
🏢
Company incorporated
As CALLAGHAN FINANCIAL COACHING LIMITED
2018-04-10
➕
CALLAGHAN, Eileen Agnes appointed
director
2018-04-10
➕
CALLAGHAN, George Stuart, Professor appointed
director
2018-04-10
📄
incorporation-company
incorporation · NEWINC

Owner dependency

94/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

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 "CALLAGHAN" — strong identity link between founder and business.
+Senior director age: Director aged approximately 60 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

46/100

Moderate signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Professor George Stuart Callaghan Individual · Scottish · DOB 01/1966 · age 60	50–75%	50–75%	board control50-75% shares · 50-75% voting · board control	10/04/2018
Mrs Eileen Agnes Callaghan Individual · Scottish · DOB 08/1967 · age 59	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	10/04/2018

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.

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Similar companies

Active · Financial services · EH postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BLACKROCK SMALLER COMPANIES TRUST PLC→ SC006176 · est 1906 · no financials extracted	—	—	—	—	119y	—	—
BLUESKY INDEPENDENT WEALTH MANAGERS LTD→ SC535531 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
BRAVO (DRINKS) LIMITED→ SC669698 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
BREICH BUILDING COMPANY LIMITED→ SC442841 · est 2013 · no financials extracted	—	—	—	—	13y	—	—
BRIDGEPOINT EUROPE (SGP) LTD→ SC332267 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
BRIDGEPOINT EUROPE III FP (GP) LIMITED→ SC279897 · est 2005 · no financials extracted	—	—	—	—	21y	—	—
BRIDGEPOINT EUROPE IV FP (GP) LIMITED→ SC330160 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
BRIDGEPOINT PRIVATE EQUITY (SPAIN) FP GP LIMITED→ SC867986 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BURGHILL RESOURCES LIMITED→ SC437363 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
BURNETT FINANCIAL SERVICES LIMITED→ SC392373 · est 2011 · no financials extracted	—	—	—	—	15y	—	—
BUSINESS ANGELS LTD→ SC781782 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
CALLIDUS WEALTH MANAGEMENT LTD→ SC456434 · 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.

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Company details

Statusactive

Typeltd

Incorporated2018-04-10

Jurisdictionscotland

Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

43 Baronscourt Terrace

Edinburgh

EH8 7EN

United Kingdom

Filing status

Accounts

Next due: 2027-01-31

Last made up to: 2025-04-30

Confirmation statement

Next due: 2027-04-22

Last: 2026-04-08

Officers (2 active · 0 resigned)

CALLAGHAN, Eileen Agnes→

director · ~59y · appointed 2018-04-10

View their other companies + combined net worth →

Active

CALLAGHAN, George Stuart, Professor→

director · ~60y · appointed 2018-04-10

View their other companies + combined net worth →

Active

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