AG FINANCE SYSTEMS LTD

🌱Startupactive
SC833153 · ltd · incorporated 2025-01-06
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
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Turnover
not disclosed
Net worth
book net assets
Opportunity
75/100
Strong
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What this business does
Primary activity: Information technology consultancy activities
Sector: Information & communication
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 75/100 (strong), bankability 65/100. 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: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (56/100)

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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
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.

Recent activity

Last 30 days
2
filings
  • 1 officers
  • 1 address
Last 90 days
2
filings
  • 1 officers
  • 1 address
Last 180 days
3
filings
  • 1 officers
  • 1 address
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (5 events)Click to expand
  1. 2026-04-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2026-03-30
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-01-06
    🏢
    Company incorporated
    As AG FINANCE SYSTEMS LTD
  4. 2025-01-06
    GRAHAM, Alison appointed
    director
  5. 2025-01-06
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

88/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.
  • +Young company: Only 1.3 years old — management layer unlikely to be developed.

Succession & seller-readiness

55/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

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

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Miss Alison Graham
Individual · British · DOB 11/1966 · age 60
75100%
75–100%board control75-100% shares · 75-100% voting · board control06/01/2025

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.

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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.

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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.

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Company details

Statusactive
Typeltd
Incorporated2025-01-06
Jurisdictionscotland
Primary SIC62020 — Information technology consultancy activities

Registered office

11 Gifford Court
Glenrothes
Fife
KY6 1NF
Scotland

Filing status

Accounts
Next due: 2026-10-06
Last made up to:
Confirmation statement
Next due: 2027-01-19
Last: 2026-01-05

Officers (1 active · 0 resigned)

GRAHAM, Alison
director · ~60y · appointed 2025-01-06
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)

change-person-director-company-with-change-date
officers · CH01
2026-04-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-10
incorporation-company
incorporation · NEWINC
2025-01-06