I.P.M. SIPP ADMINISTRATION LIMITED

🌳Matureactive
03002939 · ltd · incorporated 1994-12-19
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£5.31M
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 81-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 77/100. Strong seller-intent signal (73/100, director aged 81). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 26.6y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 26.6 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
9 officers (4 active, 9 linked, 6 with DOB)
83
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
108 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £5,306,374
Net assets shrinking
Down £88,838 YoY
Cash YoY
+2%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£6.6m
↑ 1.6% YoY
Net Worth
£5.3m
↓ 1.6% YoY
Current Assets
£6.9m
↑ 1.4% YoY
Current Liabilities
—
£0£1.4m£2.8m£4.1m£5.5m£6.9mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£5.31M£5.40M
Current assets£6.91M£6.81M
Cash£6.57M£6.47M
Debtors£336.8k£343.3k
Net assets£5.31M£5.40M

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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
  1. 2025-12-16
    📄
    accounts-with-accounts-type-small
    accounts · AA
  2. 2024-12-16
    📄
    accounts-with-accounts-type-small
    accounts · AA
  3. 2024-01-10
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2024-01-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2024-01-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2023-12-12
    📄
    accounts-with-accounts-type-small
    accounts · AA
  7. 2022-11-30
    📄
    accounts-with-accounts-type-small
    accounts · AA
  8. 2022-03-24
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2021-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-12-23
    📄
    accounts-with-accounts-type-small
    accounts · AA
  11. 2020-11-25
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2020-11-25
    🔓
    Charge satisfied #3
  13. 2019-12-13
    📄
    accounts-with-accounts-type-small
    accounts · AA
  14. 2018-12-17
    📄
    accounts-with-accounts-type-small
    accounts · AA
  15. 2018-09-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  16. 2018-09-14
    🔓
    Charge satisfied #2
  17. 2018-04-23
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  18. 2018-01-02
    📄
    resolution
    resolution · RESOLUTIONS
  19. 2017-12-14
    📄
    accounts-with-accounts-type-small
    accounts · AA
  20. 2017-05-17
    ➖
    NIMZ, Debra Jean resigned
    secretary
  21. 2010-09-07
    🔒
    Charge registered #3
    Lender: Lloyds Tsb Bank PLC
  22. 2010-04-09
    🔓
    Charge satisfied #1
  23. 2007-10-24
    🔒
    Charge registered #2
    Lender: Credit Suisse (UK) Limited
  24. 2007-01-31
    ➖
    SWEET, Robert John resigned
    director
  25. 2005-09-30
    ➕
    LOCHERY, Jonathan Andrew appointed
    director
  26. 1999-11-25
    🔒
    Charge registered #1
    Lender: Hsbc Bank PLC
  27. 1999-11-13
    ➕
    EVANS, Dafydd Cynog appointed
    director
  28. 1999-11-13
    ➕
    SUTCLIFFE, David Andrew appointed
    director
  29. 1999-11-13
    ➕
    SWEET, Robert John appointed
    director
  30. 1998-07-02
    ➖
    STUTZ, Peter George resigned
    director
  31. 1994-12-19
    🏢
    Company incorporated
    As I.P.M. SIPP ADMINISTRATION LIMITED
  32. 1994-12-19
    ➕
    POYNER, John Richard appointed
    director
  33. 1994-12-19
    ➕
    NIMZ, Debra Jean appointed
    secretary
  34. 1994-12-19
    ➕
    WATERLOW SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  35. 1994-12-19
    ➖
    WATERLOW SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  36. 1994-12-19
    ➕
    STUTZ, Peter George appointed
    director
  37. 1994-12-19
    ➕
    WATERLOW NOMINEES LIMITED appointed
    corporate-nominee-director
  38. 1994-12-19
    ➖
    WATERLOW NOMINEES LIMITED resigned
    corporate-nominee-director

Owner dependency

65/100
High — earn-out structure required

Material 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.
  • +Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 81 — succession pressure is live.

Succession & seller-readiness

90/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 32 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 32 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr John Richard Poyner
Individual · British,Australian · DOB 02/1945 · age 81
——sig. influencesignificant influence06/04/2016
Mr Dafydd Cynog Evans
Individual · British · DOB 01/1966 · age 60
——sig. influencesignificant influence06/04/2016
Mr David Andrew Sutcliffe
Individual · British · DOB 08/1960 · age 66
——sig. influencesignificant influence06/04/2016

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.

See pricing →

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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.

See pricing →
🔒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.

Available from the Pro tier upwards.

See pricing →

Company details

Statusactive
Typeltd
Incorporated1994-12-19
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

Cambridge House Unit B Campus Six
Caxton Way
Stevenage
Hertfordshire
SG1 2XD

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-21
Last: 2025-11-07

Officers (4 active · 5 resigned)

EVANS, Dafydd Cynog→
director · ~60y · appointed 1999-11-13
View their other companies + combined net worth →
Active
LOCHERY, Jonathan Andrew→
director · ~59y · appointed 2005-09-30
View their other companies + combined net worth →
Active
POYNER, John Richard→
director · ~81y · appointed 1994-12-19
View their other companies + combined net worth →
Active
SUTCLIFFE, David Andrew→
director · ~66y · appointed 1999-11-13
View their other companies + combined net worth →
Active
NIMZ, Debra Jean→
secretary · appointed 1994-12-19 · resigned 2017-05-17
Resigned
WATERLOW SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 1994-12-19 · resigned 1994-12-19
Resigned
STUTZ, Peter George→
director · ~86y · appointed 1994-12-19 · resigned 1998-07-02
Resigned
SWEET, Robert John→
director · ~66y · appointed 1999-11-13 · resigned 2007-01-31
Resigned
WATERLOW NOMINEES LIMITED→
corporate-nominee-director · appointed 1994-12-19 · resigned 1994-12-19
Resigned

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

Mortgages & charges

3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage deed1 property07/09/201025/11/2020
satisfied
Credit Suisse (UK)
Credit Suisse (UK) Limited
Security assignment1 property24/10/200714/09/2018
satisfied
HSBC
Hsbc Bank PLC
Debenture1 property25/11/199909/04/2010

Recent filings (108 total)

accounts-with-accounts-type-small
accounts · AA
2025-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-07
accounts-with-accounts-type-small
accounts · AA
2024-12-16
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-01-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-01-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-01-09
accounts-with-accounts-type-small
accounts · AA
2023-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-27
accounts-with-accounts-type-small
accounts · AA
2022-11-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-03-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-18
accounts-with-accounts-type-small
accounts · AA
2020-12-23