ALBION FINANCIAL SOLUTIONS LIMITED
🌱Startupactive
SC819908 · ltd · incorporated 2024-08-20
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
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
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 76/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: low (54/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
4 filings
60
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.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
3
filings
- • 2 gazette
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (8 events)Click to expand
- 2025-11-12📄gazette-filings-brought-up-to-dategazette · DISS40
- 2025-11-11📄gazette-notice-compulsorygazette · GAZ1
- 2024-08-20🏢Company incorporatedAs ALBION FINANCIAL SOLUTIONS LIMITED
- 2024-08-20➕SCOTT, Gareth James appointeddirector
- 2024-08-20➕WATSON, Alastair James appointeddirector
- 2024-08-20➕WATSON, Alison Elizabeth appointeddirector
- 2024-08-20➕WOODS, Mark David appointeddirector
- 2024-08-20📄incorporation-companyincorporation · NEWINC
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
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 65 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +Young company: Only 1.7 years old — management layer unlikely to be developed.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alastair James Watson Individual · British · DOB 06/1962 · age 64 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 20/08/2024 |
Mrs Alison Elizabeth Watson Individual · British · DOB 04/1961 · age 65 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 20/08/2024 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
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8 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
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See pricing →Company details
Statusactive
Typeltd
Incorporated2024-08-20
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Castlecroft Business Centre
Tom Johnston Road
Dundee
DD4 8XD
Scotland
Filing status
Accounts
Next due: 2026-05-20
Last made up to: —
Confirmation statement
Next due: 2026-09-02
Last: 2025-08-19
Officers (4 active · 0 resigned)
SCOTT, Gareth James→
Activedirector · ~53y · appointed 2024-08-20
View their other companies + combined net worth →
WATSON, Alastair James→
Activedirector · ~64y · appointed 2024-08-20
View their other companies + combined net worth →
WATSON, Alison Elizabeth→
Activedirector · ~65y · appointed 2024-08-20
View their other companies + combined net worth →
WOODS, Mark David→
Activedirector · ~45y · appointed 2024-08-20
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (4 total)
gazette-filings-brought-up-to-date
gazette · DISS40
2025-11-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-11
gazette-notice-compulsory
gazette · GAZ1
2025-11-11
incorporation-company
incorporation · NEWINC
2024-08-20