IRIS FINANCIAL SOLUTIONS LIMITED
No material changes in the last 30 days.
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
Opportunity 71/100 (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 (65/100).
Data confidence
Overall: low (52/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 incorporation
Corporate timeline (4 events)Click to expand
- 2026-01-06🏢Company incorporatedAs IRIS FINANCIAL SOLUTIONS LIMITED
- 2026-01-06➕CULLEN, Marcus appointeddirector
- 2026-01-06➕WATSON, David James appointeddirector
- 2026-01-06📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Young company: Only 0.4 years old — management layer unlikely to be developed.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Marcus Cullen Individual · Scottish · DOB 02/1997 · age 29 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/01/2026 |
Mr David James Watson Individual · Scottish · DOB 04/1993 · age 33 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/01/2026 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ARDMORE FINANCIAL PLANNING LIMITED→ SC363882 · est 2009 | — | — | — | 800 | 16y | 83 | 58y |
| THE MORTGAGE HUB LIMITED→ SC307419 · est 2006 | — | — | £390.2k | — | 19y | 83 | 59y |
| ARCHIBALD MACINNES AND COMPANY LIMITED→ SC031316 · est 1956 | — | — | £1.24M | — | 70y | 82 | 76y |
| MORTGAGE INFORMATION CENTRE LIMITED→ SC233257 · est 2002 | — | — | £14.1k | — | 23y | 82 | 66y |
| A.J. OPTIONS LIMITED→ SC229017 · est 2002 | — | — | — | 400 | 24y | 80 | 70y |
| ANNIE DUNCAN LTD.→ SC289895 · est 2005 | — | — | £524 | — | 20y | 80 | 68y |
| AVETON GIFFORD ASSOCIATES LIMITED→ SC268741 · est 2004 | — | — | £348.5k | — | 21y | 80 | 67y |
| DAVID DOUGAN FINANCIAL SERVICES LIMITED→ SC350319 · est 2008 | — | — | £30.5k | — | 17y | 80 | 66y |
| EXECUTIVE BENEFIT SERVICES (U.K.) LIMITED→ SC054039 · est 1973 · no financials extracted | — | — | — | — | 52y | 80 | 71y |
| EXECUTIVE FINANCIAL SERVICES LIMITED→ SC280840 · est 2005 | — | — | £298.8k | — | 21y | 80 | 73y |
| F. P. BREEN LIMITED→ SC244307 · est 2003 | — | — | £2.2k | — | 23y | 80 | 60y |
| H.B. MORTGAGE SOLUTIONS LTD.→ SC304331 · est 2006 | — | — | £15.9k | — | 19y | 80 | 63y |
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 →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
Registered office
Filing status
Officers (2 active · 0 resigned)
Click a director name to see their full track record across all companies.