ADVICE FOR LIFE HOLDINGS LIMITED
🌿Early-stageactive
SC697204 · ltd · incorporated 2021-04-28
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 4.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Activities of financial services holding companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 71/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
1 live charge · oldest 4.2y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.2 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
16 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
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Profit before tax | — | £201.4k |
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
- 2025-09-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-25📄change-person-director-company-with-change-dateofficers · CH01
- 2023-10-25📄change-person-director-company-with-change-dateofficers · CH01
- 2023-10-25📄change-person-director-company-with-change-dateofficers · CH01
- 2023-07-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-04-20📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-02-07🔒Charge registered #1Lender: Quilter Financial Planning Limited
- 2021-04-28🏢Company incorporatedAs ADVICE FOR LIFE HOLDINGS LIMITED
- 2021-04-28➕MALIN, Lee James appointeddirector
- 2021-04-28➕MCMILLAN, Maria Theresa appointeddirector
- 2021-04-28➕MURPHY, Shaun Andrew appointeddirector
- 2021-04-28📄incorporation-companyincorporation · NEWINC
Owner dependency
50/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
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
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Maria Theresa Mcmillan Individual · Irish · DOB 05/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/04/2021 |
Mr Shaun Andrew Murphy Individual · Scottish · DOB 05/1972 · age 54 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/04/2021 |
Mr Lee James Malin Individual · British · DOB 06/1985 · age 41 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/04/2021 |
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 · DG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A.F. SCOTLAND LIMITED→ SC129037 · est 1990 · no financials extracted | — | — | — | — | 35y | — | — |
| ALAN YOUNG ENGINEERING HOLDINGS LIMITED→ SC656006 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ANTARTEX LIMITED→ SC071934 · est 1980 · no financials extracted | — | — | — | — | 45y | — | — |
| AREFOR HOLDINGS LIMITED→ SC758489 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ARMSTRONG BROTHERS HOLDINGS LIMITED→ SC828497 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARMSTRONG GROUP (SCOTLAND) LIMITED→ SC555545 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| AUTOMOTIVE BUSINESS CONSULTANCY LIMITED→ SC788211 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AWC 2023 LTD→ SC762593 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| BALLIOL PROPERTY SERVICES LIMITED→ SC706240 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BORDER TRAVEL HOLDINGS LIMITED→ SC866335 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BOYD PROPERTY MANAGEMENT SERVICES LTD→ SC704645 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BUILDING CRAFTSMEN LIMITED→ SC184995 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
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
Incorporated2021-04-28
Jurisdictionscotland
Primary SIC64205 — Activities of financial services holding companies
Registered office
Offices F1-F4, Monreith House The Crichton
Bankend Road
Dumfries
Dumfries And Galloway
DG1 4ZZ
Scotland
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-05-11
Last: 2025-04-27
Officers (3 active · 0 resigned)
MALIN, Lee James→
Activedirector · ~41y · appointed 2021-04-28
View their other companies + combined net worth →
MCMILLAN, Maria Theresa→
Activedirector · ~46y · appointed 2021-04-28
View their other companies + combined net worth →
MURPHY, Shaun Andrew→
Activedirector · ~54y · appointed 2021-04-28
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Quilter Financial Planning Quilter Financial Planning Limited | A registered charge | 1 property | 07/02/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (16 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-25
change-person-director-company-with-change-date
officers · CH01
2023-10-25
change-person-director-company-with-change-date
officers · CH01
2023-10-25
change-person-director-company-with-change-date
officers · CH01
2023-10-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-07-10
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-27
change-person-director-company-with-change-date
officers · CH01
2023-04-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-04-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-24
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-02-08