3 SIGMA FINANCIAL SOLUTIONS LTD

🌿Early-stageactive
SC797197 · ltd · incorporated 2024-01-31
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 Jan 2025
Net worth
£-2.0k
book net assets
Opportunity
75/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 75/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (64/100)

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
5 officers (5 active, 5 linked, 4 with DOB)
86
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
7 connected companies via shared directors
66
Filing history
4 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £1,997

Key financials

1 year extracted from filed iXBRL accounts
Cash
£568
Net Worth
-£2k
Current Assets
£572
Current Liabilities

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-01-31
Total assets£-2.0k
Current assets£572
Cash£568
Debtors£4
Net assets£-2.0k

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
2
filings
  • 1 confirmation-statement
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (8 events)Click to expand
  1. 2025-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-01-31
    🏢
    Company incorporated
    As 3 SIGMA FINANCIAL SOLUTIONS LTD
  3. 2024-01-31
    ROONEY, Peter David appointed
    secretary
  4. 2024-01-31
    GALLAGHER, Stephen John appointed
    director
  5. 2024-01-31
    HENDERSON, Ian appointed
    director
  6. 2024-01-31
    MCGROARTY, Derek William appointed
    director
  7. 2024-01-31
    ROONEY, Peter David appointed
    director
  8. 2024-01-31
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

53/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.
  • +Young company: Only 2.2 years old — management layer unlikely to be developed.

Succession & seller-readiness

40/100
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.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
🔒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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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.

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🔒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.

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Company details

Statusactive
Typeltd
Incorporated2024-01-31
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

18 Haddow Street
Hamilton
ML3 7HX
Scotland

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-02-13
Last: 2026-01-30

Officers (5 active · 0 resigned)

ROONEY, Peter David
secretary · appointed 2024-01-31
View their other companies + combined net worth →
Active
GALLAGHER, Stephen John
director · ~54y · appointed 2024-01-31
View their other companies + combined net worth →
Active
HENDERSON, Ian
director · ~41y · appointed 2024-01-31
View their other companies + combined net worth →
Active
MCGROARTY, Derek William
director · ~60y · appointed 2024-01-31
View their other companies + combined net worth →
Active
ROONEY, Peter David
director · ~42y · appointed 2024-01-31
View their other companies + combined net worth →
Active

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

Recent filings (4 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-20
incorporation-company
incorporation · NEWINC
2024-01-31