ALLIED BUSINESS FINANCE LIMITED
🌿Early-stageactive
SC790558 · ltd · incorporated 2023-11-27
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 76/100 (strong), bankability 70/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (73/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
6 officers (6 active, 6 linked, 6 with DOB)
90
Ownership & PSC
7 active PSC(s) of 7 total, 7 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
31 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 |
|---|---|
| Average employees | 0 |
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 (29 events)Click to expand
- 2025-06-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-27📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-02-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-02-27📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-27📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-02-27📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-02-27📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-02-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-08-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-02-27📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2024-02-15➕FITZSIMMONS, Conor Patrick appointeddirector
- 2024-02-15➕KILPATRICK, Brian appointeddirector
- 2024-02-15➕MURRAY, Duncan Robin appointeddirector
- 2024-02-15➕SMITH, William James appointeddirector
- 2024-02-15📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-02-15📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-02-15📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-02-15📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-02-15📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-02-15📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-02-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-02-15📄capital-allotment-sharescapital · SH01
- 2024-01-09➕THAIN, Ian Alexander appointeddirector
- 2023-11-27🏢Company incorporatedAs ALLIED BUSINESS FINANCE LIMITED
- 2023-11-27➕MURRAY, Robin Davidson appointeddirector
Owner dependency
68/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 71 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +Young company: Only 2.4 years old — management layer unlikely to be developed.
Succession & seller-readiness
20/100
No succession signalNo meaningful acquirability indicators from public data.
SIGNALS
- primaryFamily succession underway: Not a takeover target — MURRAY, Duncan Robin (same surname) appointed 2024-02-15. Pattern consistent with intra-family handover.
- primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
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
Rdm Business Finance Limited holds 25-50% — a significant corporate investor but not a controlling parent.
🏛️significant stake
Rdm Business Finance Limited
Corporate parent · holds 25-50% shares
⬇
ALLIED BUSINESS FINANCE LIMITED
This company · SC790558
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
7 active beneficial owners · fragmented| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Rdm Business Finance Limited Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 15/02/2024 |
Mr Brian Kilpatrick Individual · British · DOB 08/1981 · age 45 | — | — | sig. influencesignificant influence | 15/02/2024 |
Mr Ian Alexander Thain Individual · British · DOB 12/1964 · age 62 | — | — | sig. influencesignificant influence | 15/02/2024 |
Mr William James Smith Individual · British · DOB 02/1967 · age 59 | — | — | sig. influencesignificant influence | 15/02/2024 |
Mr Conor Patrick Fitzsimmons Individual · British · DOB 08/1990 · age 36 | — | — | sig. influencesignificant influence | 15/02/2024 |
Mr Duncan Robin Murray Individual · British · DOB 11/1981 · age 45 | — | — | sig. influencesignificant influence | 15/02/2024 |
Mr Robin Davidson Murray Individual · British · DOB 01/1955 · age 71 | — | — | sig. influencesignificant influence | 27/11/2023 |
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 · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AB VISION FINANCIAL LTD→ SC481466 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ALAN R. MACKAY & COMPANY LIMITED→ SC114821 · est 1988 · no financials extracted | — | — | — | — | 37y | — | — |
| ARDMORE CONSULTANTS LTD→ SC422902 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| BEAUFORT BARDOT LIMITED→ SC707688 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BLS MANAGEMENT SERVICES LIMITED→ SC615552 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BUSINESS LOANS SCOTLAND→ SC500710 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| CARA ESTATE PLANNING LIMITED→ SC686824 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CARA MORTGAGE SERVICES LTD→ SC312023 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| CATHERINE MCNIVEN COMMERCIAL & BUSINESS FINANCE LTD→ SC879498 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CPF BUSINESS FINANCE LTD→ SC799141 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| DAVID MUNRO FINANCIAL SERVICES LIMITED→ SC350315 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| DB HALO LTD→ SC861463 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2023-11-27
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Magbiehill Park
Dunlop Road
Stewarton
Ayrshire
KA3 3ES
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-01
Last: 2026-02-15
Officers (6 active · 0 resigned)
FITZSIMMONS, Conor Patrick→
Activedirector · ~36y · appointed 2024-02-15
View their other companies + combined net worth →
KILPATRICK, Brian→
Activedirector · ~45y · appointed 2024-02-15
View their other companies + combined net worth →
MURRAY, Duncan Robin→
Activedirector · ~45y · appointed 2024-02-15
View their other companies + combined net worth →
MURRAY, Robin Davidson→
Activedirector · ~71y · appointed 2023-11-27
View their other companies + combined net worth →
SMITH, William James→
Activedirector · ~59y · appointed 2024-02-15
View their other companies + combined net worth →
THAIN, Ian Alexander→
Activedirector · ~62y · appointed 2024-01-09
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (31 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-16
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-20
change-person-director-company-with-change-date
officers · CH01
2025-02-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-27
change-person-director-company-with-change-date
officers · CH01
2025-02-27
change-person-director-company-with-change-date
officers · CH01
2025-02-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-27
change-person-director-company-with-change-date
officers · CH01
2025-02-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-27
change-person-director-company-with-change-date
officers · CH01
2025-02-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-27
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-08-29