I.P.M.SIPP LIMITED
Opportunity 76/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 81). Biggest value-creation lever: Consolidate lender relationships. 23 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).
Refinance opportunity
72 live charges · 23 lenders · oldest 29.8y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 29.8 years old — likely at or near maturity.
- · 23 lenders named — inter-creditor friction likely.
- · Legal-friction score 55/100 (high).
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2026-03-31 | 2025-03-31 |
|---|---|---|
| Total assets | £2 | £2 |
| Cash | £2 | £2 |
| Net assets | £2 | £2 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 accounts
Corporate timeline (154 events)Click to expand
- 2026-05-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-26🔒Charge registered #74Lender: National Westminster Bank PLC
- 2023-07-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-16🔓Charge satisfied #67
- 2023-05-16🔓Charge satisfied #62
- 2022-09-12➕BAINS, Balbinder Singh appointeddirector
- 2022-09-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-06-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2019-06-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-02-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-02-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-02-07🔒Charge registered #73Lender: Metro Bank PLC
- 2019-02-07🔒Charge registered #72Lender: Metro Bank PLC
- 2019-02-07🔒Charge registered #71Lender: Metro Bank PLC
- 2018-04-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-19➖SWEET, Robert John resigneddirector
- 2017-02-15🔒Charge registered #70Lender: Principality Building Society
- 2016-12-01🔓Charge satisfied #58
- 2016-12-01🔓Charge satisfied #55
- 2016-11-18🔒Charge registered #69Lender: Principality Building Society
- 2016-11-18🔒Charge registered #68Lender: Principality Building Society
- 2014-12-12🔒Charge registered #67Lender: Bank of Scotland PLC
- 2014-11-03🔒Charge registered #66Lender: Yorkshire Building Society (Trading as Norwich & Peterborough Building Society)
- 2014-07-01➕SUTCLIFFE, Carolyn Jane appointedsecretary
- 2014-07-01➕NAPIER, Ian Russell appointeddirector
- 2014-07-01➕RANDALL, James Michael appointeddirector
- 2014-07-01➕WARREN, Claire Susan appointeddirector
- 2014-06-30➖PARKER, Barbara Anne resignedsecretary
- 2013-02-08🔒Charge registered #65Lender: Coutts & Company
- 2013-02-08🔒Charge registered #64Lender: Coutts & Company
- 2012-05-04🔒Charge registered #63Lender: The Royal Bank of Scotland PLC
- 2012-01-04🔓Charge satisfied #56
- 2011-09-14🔓Charge satisfied #15
- 2011-09-02🔓Charge satisfied #17
- 2011-06-06🔒Charge registered #62Lender: Bank of Scotland PLC
- 2011-05-03🔒Charge registered #61Lender: National Westminster Bank PLC
- 2010-04-26🔒Charge registered #60Lender: National Westminster Bank PLC
- 2009-05-11🔒Charge registered #59Lender: Barclays Bank PLC
- 2008-12-16🔒Charge registered #58Lender: Bank of Scotland PLC
- 2008-12-16🔒Charge registered #57Lender: Bank of Scotland PLC
- 2008-05-01🔒Charge registered #56Lender: Royal Bank of Scotland PLC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -8 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 81 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 30 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 · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
I.P.M. Sipp Administration Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
I.P.M. Sipp Administration Limited Corporate entity | 75–100% | — | 75-100% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| GREEN SWAN FINANCIAL LTD→ 15335567 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| GREENFIELD ENERGY LIMITED→ 13724300 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| GWB FINANCIAL SERVICES LTD→ 11030537 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| HP FINANCE & LEASING LIMITED→ 11706790 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| I.M.S. (LONDON) LIMITED→ 04179849 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
| ILSLEY FINANCE LIMITED→ 04572528 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| IMMENSE FAMILY INVESTMENTS LIMITED→ 15042122 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| IMPERIAL OAK DEBT SERVICES LTD→ 13415190 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| IMS BROKERS LTD→ 11927481 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| INDEPENDENT MORTGAGE ADVICE BUREAU (LETCHWORTH) LTD→ 06418475 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| INDEPENDENT PERSONAL FINANCIAL MANAGEMENT LIMITED→ 04691257 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| INFORM FINANCIAL SOLUTIONS LIMITED→ 16480479 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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.
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 (9 active · 22 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 26/02/2024 | — | |
| outstanding | Metro Bank Metro Bank PLC | A registered charge | 1 property | 07/02/2019 | — | |
| outstanding | Metro Bank Metro Bank PLC | A registered charge | 1 property | 07/02/2019 | — | |
| outstanding | Metro Bank Metro Bank PLC | A registered charge | 1 property | 07/02/2019 | — | |
| outstanding | Principality Building Society | A registered charge | 1 property | 15/02/2017 | — | |
| outstanding | Principality Building Society | A registered charge | 1 property | 18/11/2016 | — | |
| outstanding | Principality Building Society | A registered charge | 1 property | 18/11/2016 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 12/12/2014 | 16/05/2023 | |
| outstanding | Yorkshire Building Society (Trading as Norwich & Peterborough Building Society) | A registered charge | 1 property | 03/11/2014 | — | |
| outstanding | NatWest Group Coutts & Company | Charge of deposit | 1 property | 08/02/2013 | — | |
| outstanding | NatWest Group Coutts & Company | Legal charge | 1 property | 08/02/2013 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 04/05/2012 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Legal charge | 1 property | 06/06/2011 | 16/05/2023 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 03/05/2011 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Third party legal charge | 1 property | 26/04/2010 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 11/05/2009 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Legal charge | 3 properties | 16/12/2008 | 01/12/2016 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Legal charge | 2 properties | 16/12/2008 | — | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Third party legal charge | 1 property | 01/05/2008 | 04/01/2012 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 10/08/2007 | 01/12/2016 | |
| outstanding | Barclays Barclays Bank PLC | Third party legal charge | 1 property | 11/08/2006 | — | |
| outstanding | Barclays Barclays Bank PLC | Third party legal charge | 1 property | 11/08/2006 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Third party legal charge | 1 property | 03/07/2006 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Legal mortgage | 2 properties | 05/04/2006 | — | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 03/02/2006 | — | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 03/02/2006 | — | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 03/02/2006 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Third party legal charge | 2 properties | 13/07/2005 | — | |
| outstanding | Welsh Development Agency | Legal charge | 1 property | 23/06/2005 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 11/10/2004 | — | |
| outstanding | Principality Building Society | Legal charge | 1 property | 02/07/2004 | — | |
| outstanding | Norwich and Peterborough Building Society | Mortgage deed | 1 property | 11/09/2003 | — | |
| outstanding | Norwich and Peterborough Building Society | Mortgage deed | 1 property | 10/09/2003 | — | |
| outstanding | Norwich and Peterborough Building Society | Mortgage deed | 1 property | 08/09/2003 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Third party legal charge | 1 property | 13/12/2002 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 11/10/2002 | — | |
| outstanding | Norwich Union Mortgages (General) Norwich Union Mortgages (General) LTD | Deed of assignment | 2 properties | 18/07/2002 | — | |
| outstanding | Norwich Union Mortgages (General) Norwich Union Mortgages (General) LTD | Deed of legal charge | 2 properties | 18/07/2002 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 2 properties | 27/06/2002 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal mortgage | 2 properties | 19/04/2002 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Third party legal charge | 2 properties | 11/04/2002 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Third party legal charge | 1 property | 04/04/2002 | — | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 21/03/2002 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal mortgage | 1 property | 12/03/2002 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge containing fixed and floating charges | 2 properties | 05/03/2002 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Third party legal charge | 1 property | 14/09/2001 | — | |
| satisfied | Barclays Barclays Bank PLC | Legal charge made between the company and philippa louise melton as trustees of the assets of the personal pension scheme for philippa louise melton (sipp no 1-328)(1) | 1 property | 22/06/2001 | 19/11/2003 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge made between the company and philip melton as trustees of the assets of the personal pension scheme for philip melton (sipp no 1-327(1) | 1 property | 22/06/2001 | 19/11/2003 | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 05/04/2001 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 05/04/2001 | — | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 19/02/2001 | 29/07/2003 | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 16/02/2001 | — | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 16/02/2001 | — | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 16/02/2001 | — | |
| outstanding | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 16/02/2001 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 15/01/2001 | 02/09/2011 | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 05/10/2000 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 05/10/2000 | 14/09/2011 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Third party legal charge | 1 property | 29/06/2000 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 16/06/2000 | — | |
| outstanding | Samuel Montagu & Co. Samuel Montagu & Co. Limited | Legal mortgage | 1 property | 06/03/2000 | — | |
| outstanding | Samuel Montagu & Co. Samuel Montagu & Co. Limited | Legal mortgage | 1 property | 06/03/2000 | — | |
| outstanding | Samuel Montague & Co Samuel Montague & Co Limited | Legal mortgage | 1 property | 29/10/1999 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 24/05/1999 | — | |
| outstanding | Midland Bank Midland Bank PLC | Legal mortgage | 1 property | 30/12/1998 | — | |
| outstanding | Brown Shipley & Co. Brown Shipley & Co. Limited | Legal charge | 2 properties | 14/12/1998 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge containing fixed and floating charges | 1 property | 18/09/1998 | 11/11/2003 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Third party legal charge | 1 property | 07/08/1998 | — | |
| outstanding | The Welsh Development Agency(As Agent for the Secretary of State for Wales) | Legal charge | 2 properties | 07/08/1998 | — | |
| outstanding | Samuel Montagu & Co Samuel Montagu & Co Limited | Legal charge | 2 properties | 28/05/1997 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 2 properties | 31/01/1997 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge containing fixed and floating charges | 5 properties | 17/10/1996 | — |