CLARITY INDEPENDENT WEALTH MANAGEMENT LIMITED
💤Zombieactive
SC646706 · ltd · incorporated 2019-11-11
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 Apr 2025
Net worth
£5.8k
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
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.
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
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
23 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £5,804
Net assets shrinking
Down £13,653 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£6k
↓ 70% YoY
Current Assets
£24k
↑ 385% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-05 | 2024-04-05 |
|---|---|---|
| Total assets | £6.7k | £26.0k |
| Current assets | £24.0k | £5.0k |
| Net assets | £5.8k | £19.5k |
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
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2025-09-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-08-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-01-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-12-04✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2023-11-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-11-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-11-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-11-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-11-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-10➖RAYNER, Ronald Thomas resigneddirector
- 2023-08-08➕CHRISTIE, Max appointeddirector
- 2023-07-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-07-27📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2020-01-27📄capital-allotment-sharescapital · SH01
- 2019-11-11🏢Company incorporatedAs CLARITY INDEPENDENT WEALTH MANAGEMENT LIMITED
- 2019-11-11➕RAYNER, Ronald Thomas appointeddirector
- 2019-11-11📄incorporation-companyincorporation · NEWINC
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
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.)
Group structure
Christie Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Christie Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
CLARITY INDEPENDENT WEALTH MANAGEMENT LIMITED
This company · SC646706
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 |
|---|---|---|---|---|
Christie Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 26/01/2024 |
2 historic (ceased) PSCs
- Mr Max Christieceased 26/01/2024· 50-75% shares · 50-75% voting · board control
- Mr Ronald Thomas Raynerceased 10/11/2023· 75-100% shares · 75-100% voting · board control
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 · Financial services · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BREICH BUILDING COMPANY LIMITED→ SC442841 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| BRIDGEPOINT EUROPE (SGP) LTD→ SC332267 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| BRIDGEPOINT EUROPE IV FP (GP) LIMITED→ SC330160 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| BUSINESS ANGELS LTD→ SC781782 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CANINVEST LIMITED→ SC694846 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CASTLE OPERATIONS LTD→ SC381111 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| CC ADVISER LTD→ SC805857 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| CHANROSSA GROUP LIMITED→ SC499950 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| CHOOSE WASTE LIMITED→ SC834774 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CHURCH OF SCOTLAND INSURANCE SERVICES LIMITED→ SC001777 · est 1888 · no financials extracted | — | — | — | — | 137y | — | — |
| COMPASS WEALTH INTERNATIONAL LIMITED→ SC641418 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| COMPLIANCE ADVISORY SERVICES LTD→ SC667041 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated2019-11-11
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
2 Craigentinny Avenue
Edinburgh
EH7 6PX
Scotland
Filing status
Accounts
Next due: 2027-01-05
Last made up to: 2025-04-05
Confirmation statement
Next due: 2026-11-24
Last: 2025-11-10
Officers (1 active · 1 resigned)
CHRISTIE, Max→
Activedirector · ~55y · appointed 2023-08-08
View their other companies + combined net worth →
RAYNER, Ronald Thomas→
Resigneddirector · ~71y · appointed 2019-11-11 · resigned 2023-11-10
Click a director name to see their full track record across all companies.
Recent filings (23 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-11-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-10
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-23
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-01-29
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-01-26
certificate-change-of-name-company
change-of-name · CERTNM
2023-12-04
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-20
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-11-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-11-17
termination-director-company-with-name-termination-date
officers · TM01
2023-11-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-11-17
appoint-person-director-company-with-name-date
officers · AP01
2023-11-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-05