FSS WEALTH & PENSIONS LTD
- 66220Activities of insurance agents and brokers
Opportunity 72/100 (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: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £158.3k | £125.8k |
| Current assets | £236.3k | £146.3k |
| Cash | £37.5k | — |
| Debtors | £168.1k | — |
| Net assets | £158.3k | £109.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 3 persons-with-significant-control
- • 2 officers
- • 1 confirmation-statement
- • 3 persons-with-significant-control
- • 2 officers
- • 1 confirmation-statement
Corporate timeline (18 events)Click to expand
- 2026-03-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-03-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-03-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-02-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-04➖FISHER, James Henry resigneddirector
- 2026-02-03➕FISHER, Christie Lynn appointeddirector
- 2025-02-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-09-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-16📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-07-07📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2020-05-06📄capital-allotment-sharescapital · SH01
- 2019-03-18🏢Company incorporatedAs FSS WEALTH & PENSIONS LTD
- 2019-03-18➕FISHER, James Henry appointeddirector
- 2019-03-18📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanGroup structure
Financial Services Scotland Group Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Financial Services Scotland Group Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 11/10/2019 |
2 historic (ceased) PSCs
- Mr James Henry Fisherceased 11/10/2019· 50-75% shares · 50-75% voting · board control
- Mrs Senga Fisherceased 11/10/2019· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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|---|---|---|---|---|---|---|---|
| GMQ MORTGAGES LIMITED→ SC810642 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| JANE BALLANTYNE LIMITED→ SC295800 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| JFX TRADING NETWORK LTD→ SC847676 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JJSC INVESTMENT LTD→ SC855576 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JMC FINANCIAL SERVICES LIMITED→ SC245180 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| JOHN THOMSON CONSTRUCTION LIMITED→ SC071327 · est 1980 · no financials extracted | — | — | — | — | 45y | — | — |
| JUNIPER FINANCIAL PLANNING LTD→ SC787872 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| KEN BINNIE FINANCIAL LIMITED→ SC244778 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| LEVERAGE IP LTD.→ SC212452 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| MONARCHIA (AESTHETICS AND SAFETY) CONSULTANCY LTD→ SC801508 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| MORTGAGE ADVICE PARTNERSHIP LTD.→ SC309712 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| MORTGAGE MASTER (GLASGOW) LTD.→ SC185579 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
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 →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
Registered office
Filing status
Officers (1 active · 1 resigned)
Click a director name to see their full track record across all companies.