I.P.M.SIPP LIMITED

🌳Matureactive
03173815 · ltd · incorporated 1996-03-15
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
Upgrade to see
Turnover
year to Mar 2026
Net worth
£2
book net assets
Opportunity
76/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 81-year-old founder — textbook succession opportunity.

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

25/100
too messy

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.

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
72 charges (72/72 with lender, 72/72 with type)
90
Directors & officers
31 officers (9 active, 31 linked, 23 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
230 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
74
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 £2
Very low cash
Cash position: £2
Cash YoY
+0%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£2
~ YoY
Net Worth
£2
~ YoY
Current Assets
Current Liabilities
£0£0£1£1£2£2Mar 2025Mar 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-03-312025-03-31
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.

🔒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
1
filing
  • 1 accounts
Last 180 days
1
filing
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (154 events)Click to expand
  1. 2026-05-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-05-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-02-28
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2024-02-26
    🔒
    Charge registered #74
    Lender: National Westminster Bank PLC
  6. 2023-07-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-05-16
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2023-05-16
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2023-05-16
    🔓
    Charge satisfied #67
  10. 2023-05-16
    🔓
    Charge satisfied #62
  11. 2022-09-12
    BAINS, Balbinder Singh appointed
    director
  12. 2022-09-12
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2022-06-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2021-12-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2020-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2020-11-05
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  17. 2019-06-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2019-02-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2019-02-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  20. 2019-02-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  21. 2019-02-07
    🔒
    Charge registered #73
    Lender: Metro Bank PLC
  22. 2019-02-07
    🔒
    Charge registered #72
    Lender: Metro Bank PLC
  23. 2019-02-07
    🔒
    Charge registered #71
    Lender: Metro Bank PLC
  24. 2018-04-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  25. 2017-10-19
    SWEET, Robert John resigned
    director
  26. 2017-02-15
    🔒
    Charge registered #70
    Lender: Principality Building Society
  27. 2016-12-01
    🔓
    Charge satisfied #58
  28. 2016-12-01
    🔓
    Charge satisfied #55
  29. 2016-11-18
    🔒
    Charge registered #69
    Lender: Principality Building Society
  30. 2016-11-18
    🔒
    Charge registered #68
    Lender: Principality Building Society
  31. 2014-12-12
    🔒
    Charge registered #67
    Lender: Bank of Scotland PLC
  32. 2014-11-03
    🔒
    Charge registered #66
    Lender: Yorkshire Building Society (Trading as Norwich & Peterborough Building Society)
  33. 2014-07-01
    SUTCLIFFE, Carolyn Jane appointed
    secretary
  34. 2014-07-01
    NAPIER, Ian Russell appointed
    director
  35. 2014-07-01
    RANDALL, James Michael appointed
    director
  36. 2014-07-01
    WARREN, Claire Susan appointed
    director
  37. 2014-06-30
    PARKER, Barbara Anne resigned
    secretary
  38. 2013-02-08
    🔒
    Charge registered #65
    Lender: Coutts & Company
  39. 2013-02-08
    🔒
    Charge registered #64
    Lender: Coutts & Company
  40. 2012-05-04
    🔒
    Charge registered #63
    Lender: The Royal Bank of Scotland PLC
  41. 2012-01-04
    🔓
    Charge satisfied #56
  42. 2011-09-14
    🔓
    Charge satisfied #15
  43. 2011-09-02
    🔓
    Charge satisfied #17
  44. 2011-06-06
    🔒
    Charge registered #62
    Lender: Bank of Scotland PLC
  45. 2011-05-03
    🔒
    Charge registered #61
    Lender: National Westminster Bank PLC
  46. 2010-04-26
    🔒
    Charge registered #60
    Lender: National Westminster Bank PLC
  47. 2009-05-11
    🔒
    Charge registered #59
    Lender: Barclays Bank PLC
  48. 2008-12-16
    🔒
    Charge registered #58
    Lender: Bank of Scotland PLC
  49. 2008-12-16
    🔒
    Charge registered #57
    Lender: Bank of Scotland PLC
  50. 2008-05-01
    🔒
    Charge registered #56
    Lender: Royal Bank of Scotland PLC
Showing most recent 50 of 154 events

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
  • -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

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 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 low
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.

61 live charges
low

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.

🏛️
I.P.M. Sipp Administration Limited
Corporate parent · holds 75-100% shares
ultimate parent
I.P.M.SIPP LIMITED
This company · 03173815

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%
NameSharesVoting rightsNature of controlNotified
I.P.M. Sipp Administration Limited
Corporate entity
75100%
75-100% shares06/04/2016

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 →

Similar companies

Active · Financial services · SG postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
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
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.

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
Incorporated1996-03-15
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: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2026-11-21
Last: 2025-11-07

Officers (9 active · 22 resigned)

SUTCLIFFE, Carolyn Jane
secretary · appointed 2014-07-01
View their other companies + combined net worth →
Active
BAINS, Balbinder Singh
director · ~48y · appointed 2022-09-12
View their other companies + combined net worth →
Active
EVANS, Dafydd Cynog
director · ~60y · appointed 2002-08-13
View their other companies + combined net worth →
Active
LOCHERY, Jonathan Andrew
director · ~59y · appointed 2005-04-01
View their other companies + combined net worth →
Active
NAPIER, Ian Russell
director · ~49y · appointed 2014-07-01
View their other companies + combined net worth →
Active
POYNER, John Richard
director · ~81y · appointed 2002-08-13
View their other companies + combined net worth →
Active
RANDALL, James Michael
director · ~43y · appointed 2014-07-01
View their other companies + combined net worth →
Active
SUTCLIFFE, David Andrew
director · ~66y · appointed 2002-08-13
View their other companies + combined net worth →
Active
WARREN, Claire Susan
director · ~51y · appointed 2014-07-01
View their other companies + combined net worth →
Active
CASS, Michael Trevor
secretary · appointed 1996-03-15 · resigned 1997-12-23
Resigned
PARKER, Barbara Anne
secretary · appointed 2005-04-01 · resigned 2014-06-30
Resigned
WARD, Carol Ann
secretary · appointed 2002-08-13 · resigned 2005-04-01
Resigned
WHITE, Ian James
secretary · appointed 1997-12-23 · resigned 1999-08-31
Resigned
HALLMARK SECRETARIES LIMITED
corporate-nominee-secretary · appointed 1996-03-15 · resigned 1996-03-15
Resigned
THE BECKETT GROUP LIMITED
corporate-secretary · appointed 1999-08-31 · resigned 2002-08-13
Resigned
AHMED, Sulaiman Tanweer
director · ~70y · appointed 1997-12-24 · resigned 1998-03-04
Resigned
AUSTERBERRY, Sally Ann
director · ~69y · appointed 1997-12-24 · resigned 2002-08-13
Resigned
BARTLETT, Antony Philip
director · ~61y · appointed 1998-03-05 · resigned 2000-04-28
Resigned
BECKETT, Robert Charles
director · ~76y · appointed 1997-12-24 · resigned 2000-05-24
Resigned
ELDRIDGE, Ronald Allen
director · ~76y · appointed 2002-04-29 · resigned 2002-08-13
Resigned

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

Mortgages & charges

72
Total charges
61
Outstanding
18
Active lenders
Status:Lender:72 of 72 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property26/02/2024
outstanding
Metro Bank
Metro Bank PLC
A registered charge1 property07/02/2019
outstanding
Metro Bank
Metro Bank PLC
A registered charge1 property07/02/2019
outstanding
Metro Bank
Metro Bank PLC
A registered charge1 property07/02/2019
outstanding
Principality Building Society
A registered charge1 property15/02/2017
outstanding
Principality Building Society
A registered charge1 property18/11/2016
outstanding
Principality Building Society
A registered charge1 property18/11/2016
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property12/12/201416/05/2023
outstanding
Yorkshire Building Society (Trading as Norwich & Peterborough Building Society)
A registered charge1 property03/11/2014
outstanding
NatWest Group
Coutts & Company
Charge of deposit1 property08/02/2013
outstanding
NatWest Group
Coutts & Company
Legal charge1 property08/02/2013
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Legal charge1 property04/05/2012
satisfied
Lloyds Banking Group
Bank of Scotland PLC
Legal charge1 property06/06/201116/05/2023
outstanding
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property03/05/2011
outstanding
National Westminster Bank
National Westminster Bank PLC
Third party legal charge1 property26/04/2010
outstanding
Barclays
Barclays Bank PLC
Legal charge1 property11/05/2009
satisfied
Lloyds Banking Group
Bank of Scotland PLC
Legal charge3 properties16/12/200801/12/2016
outstanding
Lloyds Banking Group
Bank of Scotland PLC
Legal charge2 properties16/12/2008
satisfied
Lloyds Banking Group
Royal Bank of Scotland PLC
Third party legal charge1 property01/05/200804/01/2012
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge1 property10/08/200701/12/2016
outstanding
Barclays
Barclays Bank PLC
Third party legal charge1 property11/08/2006
outstanding
Barclays
Barclays Bank PLC
Third party legal charge1 property11/08/2006
outstanding
National Westminster Bank
National Westminster Bank PLC
Third party legal charge1 property03/07/2006
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Legal mortgage2 properties05/04/2006
outstanding
HSBC
Hsbc Bank PLC
Legal mortgage1 property03/02/2006
outstanding
HSBC
Hsbc Bank PLC
Legal mortgage1 property03/02/2006
outstanding
HSBC
Hsbc Bank PLC
Legal mortgage1 property03/02/2006
outstanding
National Westminster Bank
National Westminster Bank PLC
Third party legal charge2 properties13/07/2005
outstanding
Welsh Development Agency
Legal charge1 property23/06/2005
outstanding
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property11/10/2004
outstanding
Principality Building Society
Legal charge1 property02/07/2004
outstanding
Norwich and Peterborough Building Society
Mortgage deed1 property11/09/2003
outstanding
Norwich and Peterborough Building Society
Mortgage deed1 property10/09/2003
outstanding
Norwich and Peterborough Building Society
Mortgage deed1 property08/09/2003
outstanding
National Westminster Bank
National Westminster Bank PLC
Third party legal charge1 property13/12/2002
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge1 property11/10/2002
outstanding
Norwich Union Mortgages (General)
Norwich Union Mortgages (General) LTD
Deed of assignment2 properties18/07/2002
outstanding
Norwich Union Mortgages (General)
Norwich Union Mortgages (General) LTD
Deed of legal charge2 properties18/07/2002
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge2 properties27/06/2002
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal mortgage2 properties19/04/2002
outstanding
National Westminster Bank
National Westminster Bank PLC
Third party legal charge2 properties11/04/2002
outstanding
National Westminster Bank
National Westminster Bank PLC
Third party legal charge1 property04/04/2002
outstanding
HSBC
Hsbc Bank PLC
Legal mortgage1 property21/03/2002
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal mortgage1 property12/03/2002
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge containing fixed and floating charges2 properties05/03/2002
outstanding
National Westminster Bank
National Westminster Bank PLC
Third party legal charge1 property14/09/2001
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 property22/06/200119/11/2003
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 property22/06/200119/11/2003
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property05/04/2001
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property05/04/2001
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property19/02/200129/07/2003
outstanding
HSBC
Hsbc Bank PLC
Legal mortgage1 property16/02/2001
outstanding
HSBC
Hsbc Bank PLC
Legal mortgage1 property16/02/2001
outstanding
HSBC
Hsbc Bank PLC
Legal mortgage1 property16/02/2001
outstanding
HSBC
Hsbc Bank PLC
Legal mortgage1 property16/02/2001
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge1 property15/01/200102/09/2011
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge1 property05/10/2000
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge1 property05/10/200014/09/2011
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Third party legal charge1 property29/06/2000
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge1 property16/06/2000
outstanding
Samuel Montagu & Co.
Samuel Montagu & Co. Limited
Legal mortgage1 property06/03/2000
outstanding
Samuel Montagu & Co.
Samuel Montagu & Co. Limited
Legal mortgage1 property06/03/2000
outstanding
Samuel Montague & Co
Samuel Montague & Co Limited
Legal mortgage1 property29/10/1999
outstanding
Lloyds Banking Group
Lloyds Bank PLC
Mortgage1 property24/05/1999
outstanding
Midland Bank
Midland Bank PLC
Legal mortgage1 property30/12/1998
outstanding
Brown Shipley & Co.
Brown Shipley & Co. Limited
Legal charge2 properties14/12/1998
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge containing fixed and floating charges1 property18/09/199811/11/2003
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Third party legal charge1 property07/08/1998
outstanding
The Welsh Development Agency(As Agent for the Secretary of State for Wales)
Legal charge2 properties07/08/1998
outstanding
Samuel Montagu & Co
Samuel Montagu & Co Limited
Legal charge2 properties28/05/1997
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge2 properties31/01/1997
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge containing fixed and floating charges5 properties17/10/1996
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (230 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-15
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-27
mortgage-satisfy-charge-full
mortgage · MR04
2023-05-16
mortgage-satisfy-charge-full
mortgage · MR04
2023-05-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-25
appoint-person-director-company-with-name-date
officers · AP01
2022-09-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-03