fd wealth ltd
fd wealth ltd Company Information
Company Number
SC229215
Next Accounts
Jan 2026
Shareholders
graeme alexander lumsden finnie
stephen hughes
View AllGroup Structure
View All
Industry
Other activities auxiliary to financial services, except insurance and pension funding
Registered Address
3rd floor 133, finnieston street, glasgow, G3 8HB
Website
www.frenchduncan.co.ukfd wealth ltd Estimated Valuation
Pomanda estimates the enterprise value of FD WEALTH LTD at £400.6k based on a Turnover of £491.4k and 0.82x industry multiple (adjusted for size and gross margin).
fd wealth ltd Estimated Valuation
Pomanda estimates the enterprise value of FD WEALTH LTD at £349.7k based on an EBITDA of £93.9k and a 3.72x industry multiple (adjusted for size and gross margin).
fd wealth ltd Estimated Valuation
Pomanda estimates the enterprise value of FD WEALTH LTD at £780.2k based on Net Assets of £351k and 2.22x industry multiple (adjusted for liquidity).
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Fd Wealth Ltd Overview
Fd Wealth Ltd is a live company located in glasgow, G3 8HB with a Companies House number of SC229215. It operates in the activities auxiliary to financial intermediation n.e.c. sector, SIC Code 66190. Founded in March 2002, it's largest shareholder is graeme alexander lumsden finnie with a 38.2% stake. Fd Wealth Ltd is a mature, micro sized company, Pomanda has estimated its turnover at £491.4k with declining growth in recent years.
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Fd Wealth Ltd Health Check
Pomanda's financial health check has awarded Fd Wealth Ltd a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 5 areas for improvement. Company Health Check FAQs
4 Strong
2 Regular
5 Weak
Size
annual sales of £491.4k, make it smaller than the average company (£3.7m)
- Fd Wealth Ltd
£3.7m - Industry AVG
Growth
3 year (CAGR) sales growth of -17%, show it is growing at a slower rate (10.4%)
- Fd Wealth Ltd
10.4% - Industry AVG
Production
with a gross margin of 82.7%, this company has a comparable cost of product (82.7%)
- Fd Wealth Ltd
82.7% - Industry AVG
Profitability
an operating margin of 18.9% make it more profitable than the average company (9.1%)
- Fd Wealth Ltd
9.1% - Industry AVG
Employees
with 6 employees, this is below the industry average (8)
6 - Fd Wealth Ltd
8 - Industry AVG
Pay Structure
on an average salary of £71.4k, the company has an equivalent pay structure (£71.4k)
- Fd Wealth Ltd
£71.4k - Industry AVG
Efficiency
resulting in sales per employee of £81.9k, this is less efficient (£176.3k)
- Fd Wealth Ltd
£176.3k - Industry AVG
Debtor Days
it gets paid by customers after 0 days, this is earlier than average (32 days)
- Fd Wealth Ltd
32 days - Industry AVG
Creditor Days
its suppliers are paid after 24 days, this is quicker than average (38 days)
- Fd Wealth Ltd
38 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Fd Wealth Ltd
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 458 weeks, this is more cash available to meet short term requirements (27 weeks)
458 weeks - Fd Wealth Ltd
27 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 11.1%, this is a lower level of debt than the average (69.3%)
11.1% - Fd Wealth Ltd
69.3% - Industry AVG
FD WEALTH LTD financials
Fd Wealth Ltd's latest turnover from April 2024 is estimated at £491.4 thousand and the company has net assets of £351 thousand. According to their latest financial statements, Fd Wealth Ltd has 6 employees and maintains cash reserves of £380.1 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Apr 2024 | Apr 2023 | Apr 2022 | Apr 2021 | Apr 2020 | Apr 2019 | Apr 2018 | Apr 2017 | Apr 2016 | Apr 2015 | Apr 2014 | Apr 2013 | Apr 2012 | Apr 2011 | Apr 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 223,937 | ||||||||||||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | |||||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | 31,961 | ||||||||||||||
| Interest Payable | 352 | ||||||||||||||
| Interest Receivable | |||||||||||||||
| Pre-Tax Profit | 31,609 | ||||||||||||||
| Tax | -8,212 | ||||||||||||||
| Profit After Tax | 23,397 | ||||||||||||||
| Dividends Paid | 40,000 | ||||||||||||||
| Retained Profit | -16,603 | ||||||||||||||
| Employee Costs | 138,203 | ||||||||||||||
| Number Of Employees | 6 | 6 | 7 | 7 | 7 | 8 | 7 | ||||||||
| EBITDA* | 40,683 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Apr 2024 | Apr 2023 | Apr 2022 | Apr 2021 | Apr 2020 | Apr 2019 | Apr 2018 | Apr 2017 | Apr 2016 | Apr 2015 | Apr 2014 | Apr 2013 | Apr 2012 | Apr 2011 | Apr 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 1,080 | 699 | 1,753 | 2,805 | 3,857 | 4,909 | 1,218 | 1,624 | 2,165 | ||||||
| Intangible Assets | 8,000 | 16,000 | 24,000 | 32,000 | 40,000 | ||||||||||
| Investments & Other | |||||||||||||||
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | 1,080 | 699 | 1,753 | 2,805 | 3,857 | 4,909 | 8,000 | 16,000 | 25,218 | 33,624 | 42,165 | ||||
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 1,000 | 1,800 | 5,029 | 74,610 | 227,092 | 235,968 | 20,101 | 44,683 | 35,305 | 5,601 | 27,139 | 31,098 | 199 | ||
| Group Debtors | 85,396 | 36,631 | 22,354 | 653 | |||||||||||
| Misc Debtors | 12,417 | 152,960 | 21,344 | 24,582 | 28,443 | 22,691 | 18,555 | 9,429 | 11,557 | 8,463 | |||||
| Cash | 380,131 | 187,240 | 364,575 | 112,327 | 145,314 | 40,053 | 23,740 | 62,696 | 42,855 | 13,257 | 15,731 | 94,684 | 11,867 | 41,646 | 70,388 |
| misc current assets | 1,615 | 55 | |||||||||||||
| total current assets | 393,548 | 340,200 | 387,719 | 222,305 | 215,417 | 159,708 | 269,387 | 308,093 | 76,128 | 57,940 | 51,036 | 100,285 | 39,006 | 72,744 | 79,758 |
| total assets | 394,628 | 340,899 | 389,472 | 225,110 | 219,274 | 164,617 | 269,387 | 308,093 | 76,128 | 57,940 | 59,036 | 116,285 | 64,224 | 106,368 | 121,923 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 5,647 | 1,704 | 5,672 | 10,838 | 1,655 | 11,647 | 3,751 | 1,642 | 14,910 | 11,919 | 69,052 | 9,187 | 45,738 | ||
| Group/Directors Accounts | 159,513 | 160,893 | 18,527 | 30,527 | |||||||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 37,435 | 69,112 | 210,036 | 46,158 | 50,422 | 29,419 | 32,760 | 74,875 | 22,363 | 14,362 | |||||
| total current liabilities | 43,082 | 70,816 | 215,708 | 56,996 | 52,077 | 41,066 | 196,024 | 237,410 | 40,890 | 14,910 | 11,919 | 69,052 | 9,187 | 45,738 | 44,889 |
| loans | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | 574 | 533 | 733 | 824 | |||||||||||
| total long term liabilities | 574 | 533 | 733 | 824 | |||||||||||
| total liabilities | 43,656 | 70,816 | 215,708 | 57,529 | 52,810 | 41,890 | 196,024 | 237,410 | 40,890 | 14,910 | 11,919 | 69,052 | 9,187 | 45,738 | 44,889 |
| net assets | 350,972 | 270,083 | 173,764 | 167,581 | 166,464 | 122,727 | 73,363 | 70,683 | 35,238 | 43,030 | 47,117 | 47,233 | 55,037 | 60,630 | 77,034 |
| total shareholders funds | 350,972 | 270,083 | 173,764 | 167,581 | 166,464 | 122,727 | 73,363 | 70,683 | 35,238 | 43,030 | 47,117 | 47,233 | 55,037 | 60,630 | 77,034 |
| Apr 2024 | Apr 2023 | Apr 2022 | Apr 2021 | Apr 2020 | Apr 2019 | Apr 2018 | Apr 2017 | Apr 2016 | Apr 2015 | Apr 2014 | Apr 2013 | Apr 2012 | Apr 2011 | Apr 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | 31,961 | ||||||||||||||
| Depreciation | 969 | 1,054 | 1,052 | 1,052 | 1,052 | 351 | 201 | 406 | 541 | 722 | |||||
| Amortisation | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | 8,000 | |||||||||
| Tax | -8,212 | ||||||||||||||
| Stock | |||||||||||||||
| Debtors | -139,543 | 129,816 | -86,834 | 39,875 | -49,552 | -125,992 | 250 | 213,739 | -13,025 | 9,378 | 29,704 | -21,538 | -3,959 | 21,783 | 9,315 |
| Creditors | 3,943 | -3,968 | -5,166 | 9,183 | -9,992 | 7,896 | 2,109 | 1,642 | -14,910 | 2,991 | -57,133 | 59,865 | -36,551 | 45,738 | |
| Accruals and Deferred Income | -31,677 | -140,924 | 163,878 | -4,264 | 21,003 | -3,341 | -42,115 | 52,512 | 22,363 | -14,362 | 14,362 | ||||
| Deferred Taxes & Provisions | 574 | -533 | -200 | -91 | 824 | ||||||||||
| Cash flow from operations | 37,518 | ||||||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | |||||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | -159,513 | -1,380 | 142,366 | 18,527 | -30,527 | 30,527 | |||||||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | |||||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | -352 | ||||||||||||||
| cash flow from financing | 123,812 | ||||||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | 192,891 | -177,335 | 252,248 | -32,987 | 105,261 | 16,313 | -38,956 | 19,841 | 29,598 | -2,474 | -78,953 | 82,817 | -29,779 | -28,742 | 70,388 |
| overdraft | |||||||||||||||
| change in cash | 192,891 | -177,335 | 252,248 | -32,987 | 105,261 | 16,313 | -38,956 | 19,841 | 29,598 | -2,474 | -78,953 | 82,817 | -29,779 | -28,742 | 70,388 |
fd wealth ltd Credit Report and Business Information
Fd Wealth Ltd Competitor Analysis
Perform a competitor analysis for fd wealth ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in G 3 area or any other competitors across 12 key performance metrics.
fd wealth ltd Ownership
FD WEALTH LTD group structure
Fd Wealth Ltd has no subsidiary companies.
fd wealth ltd directors
Fd Wealth Ltd currently has 3 directors. The longest serving directors include Mr Graeme Finnie (Feb 2007) and Mr Stephen Hughes (Apr 2015).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Graeme Finnie | 55 years | Feb 2007 | - | Director | |
| Mr Stephen Hughes | 56 years | Apr 2015 | - | Director | |
| Mr Craig Chapman | United Kingdom | 40 years | Nov 2024 | - | Director |
P&L
April 2024turnover
491.4k
-39%
operating profit
93k
0%
gross margin
82.8%
+14.18%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
April 2024net assets
351k
+0.3%
total assets
394.6k
+0.16%
cash
380.1k
+1.03%
net assets
Total assets minus all liabilities
fd wealth ltd company details
company number
SC229215
Type
Private limited with Share Capital
industry
66190 - Other activities auxiliary to financial services, except insurance and pension funding
incorporation date
March 2002
age
23
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
April 2024
previous names
french duncan wealth management ltd (October 2023)
french duncan (financial services) ltd. (September 2015)
accountant
KEY PROFESSIONAL PARTNERSHIP LTD
auditor
-
address
3rd floor 133, finnieston street, glasgow, G3 8HB
Bank
-
Legal Advisor
-
fd wealth ltd Charges & Mortgages
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We did not find charges/mortgages relating to fd wealth ltd.
fd wealth ltd Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
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fd wealth ltd Companies House Filings - See Documents
| date | description | view/download |
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