PRIVATE INVESTOR CAPITAL LIMITED
🌳Matureactive
03385330 · ltd · incorporated 1997-06-11
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 Dec 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 74/100 (strong), bankability 67/100. Strong seller-intent signal (93/100, director aged 69). Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
4 live charges · 4 lenders · oldest 28.0y
25/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 28.0 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
- · Not currently profitable — coverage conversation is a harder sell.
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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
19 officers (2 active, 19 linked, 9 with DOB)
79
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
161 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
59
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Loss-making
Loss before tax £708,266
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Profit before tax | £-708.3k | £-25.6k |
| Average employees | 2 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 signals 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
1
filing
- • 1 accounts
Last 90 days
5
filings
- • 2 capital
- • 1 accounts
- • 1 insolvency
Last 180 days
6
filings
- • 2 capital
- • 1 accounts
- • 1 insolvency
Counts from Companies House filing history.
Corporate timeline (61 events)Click to expand
- 2026-05-05📄accounts-with-accounts-type-fullaccounts · AA
- 2026-04-01📄legacycapital · SH20
- 2026-04-01📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2026-04-01⚠️legacyinsolvency · CAP-SS
- 2026-04-01📄resolutionresolution · RESOLUTIONS
- 2026-01-20📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-19📄accounts-with-accounts-type-fullaccounts · AA
- 2024-04-23📄accounts-with-accounts-type-fullaccounts · AA
- 2023-10-09📄accounts-with-accounts-type-fullaccounts · AA
- 2022-05-06📄accounts-with-accounts-type-fullaccounts · AA
- 2021-06-08📄accounts-with-accounts-type-fullaccounts · AA
- 2020-05-29📄accounts-with-accounts-type-fullaccounts · AA
- 2019-10-09📄accounts-with-accounts-type-fullaccounts · AA
- 2018-09-26📄accounts-with-accounts-type-fullaccounts · AA
- 2018-03-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2018-03-16📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2017-10-05📄accounts-with-accounts-type-fullaccounts · AA
- 2016-12-12➖OLIVER, Simon Matthew Dudgeon resigneddirector
- 2016-07-19➖GEDDES, Stephen George resignedsecretary
- 2009-01-13🔓Charge satisfied #3
- 2008-09-09🔒Charge registered #4Lender: Carlton Corporate Finance Limited
- 2007-11-16🔓Charge satisfied #2
- 2007-11-16🔓Charge satisfied #1
- 2007-06-22➖BROOKS, Peter John Sutton resigneddirector
- 2006-07-10➕BROOKS, Peter John Sutton appointeddirector
- 2006-05-23🔒Charge registered #3Lender: IPT2 Property Holdings Limited
- 2006-02-10➕GEDDES, Stephen George appointedsecretary
- 2006-02-10➖PENNOCK, George William resignedsecretary
- 2004-12-06➕PENNOCK, George William appointedsecretary
- 2004-12-06➖WOODALL, Mark Ian Bruce resignedsecretary
- 2003-07-29➕THOMAS, Paul Scott appointeddirector
- 2003-06-17➕OLIVER, Simon Matthew Dudgeon appointeddirector
- 2003-04-01➕WOODALL, Mark Ian Bruce appointedsecretary
- 2003-03-18➖BONAFE, Andrea Lisboa resignedsecretary
- 2003-01-06➖BROOKE, Christopher Roger Ettrick resigneddirector
- 2002-11-05➖CAWDRON, Peter Edward Blackburn resigneddirector
- 2002-11-05➖OLIVER, Simon Matthew Dudgeon resigneddirector
- 2002-11-05➖STODDART, Michael Craig resigneddirector
- 2002-08-30➕BONAFE, Andrea Lisboa appointedsecretary
- 2002-08-30➖CAWDRON, Peter Edward Blackburn resignedsecretary
- 2002-05-29➕GIAMPAOLO, David Anthony appointeddirector
- 2002-05-29➖POWLES, Christopher John resigneddirector
- 2002-04-26➕CAWDRON, Peter Edward Blackburn appointedsecretary
- 2002-04-26➖POWLES, Christopher John resignedsecretary
- 2002-01-18➖NICHOLS, Frances Ann resignedsecretary
- 2002-01-18➕POWLES, Christopher John appointedsecretary
- 1999-07-22🔒Charge registered #2Lender: Meridian Properties (UK0 Limited
- 1999-07-19➕BROOKE, Christopher Roger Ettrick appointeddirector
- 1998-05-08🔒Charge registered #1Lender: The Bank of Nova Scotia
- 1997-12-23➕CAWDRON, Peter Edward Blackburn appointeddirector
Showing most recent 50 of 61 events
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 69 — succession pressure is live.
Succession & seller-readiness
86/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 29 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 high · 1 med ·1 insolvency-related filing on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2026-04-01: legacy
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Pi Capital (Holdings) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Pi Capital (Holdings) Limited
Corporate parent · holds 75-100% shares · board control
⬇
PRIVATE INVESTOR CAPITAL LIMITED
This company · 03385330
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 |
|---|---|---|---|---|
Pi Capital (Holdings) Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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 · EC postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2X IGNITE LIMITED→ 15873885 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 3 RED GROUPS LIMITED→ 16590338 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 3G CAPITAL INVESTMENTS LTD→ 13578756 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 3MG INTERNATIONAL LIMITED→ 13272866 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 68-33 COMPANY LIMITED→ 15139238 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 6K CAPITAL LTD→ 15882048 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 7 PEMBRIDGE LIMITED→ 14681486 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| 7IM INVESTMENT AND RETIREMENT SOLUTIONS LIMITED→ 10902511 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| A AND E CORPORATE MEMBER LIMITED→ 09225704 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ABCOR FINANCE NO3 LIMITED→ 14208886 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ABCOR FINANCE NO4 LIMITED→ 14208899 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ABCOR SERVICES LIMITED→ 16234881 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated1997-06-11
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
5 New Street Square
London
EC4A 3TW
United Kingdom
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-06-25
Last: 2025-06-11
Officers (2 active · 17 resigned)
GIAMPAOLO, David Anthony→
Activedirector · ~68y · appointed 2002-05-29
View their other companies + combined net worth →
THOMAS, Paul Scott→
Activedirector · ~69y · appointed 2003-07-29
View their other companies + combined net worth →
BONAFE, Andrea Lisboa→
Resignedsecretary · appointed 2002-08-30 · resigned 2003-03-18
CAWDRON, Peter Edward Blackburn→
Resignedsecretary · appointed 2002-04-26 · resigned 2002-08-30
GEDDES, Stephen George→
Resignedsecretary · appointed 2006-02-10 · resigned 2016-07-19
NICHOLS, Frances Ann→
Resignedsecretary · appointed 1997-08-18 · resigned 2002-01-18
PENNOCK, George William→
Resignedsecretary · appointed 2004-12-06 · resigned 2006-02-10
POWLES, Christopher John→
Resignedsecretary · appointed 2002-01-18 · resigned 2002-04-26
WOODALL, Mark Ian Bruce→
Resignedsecretary · appointed 2003-04-01 · resigned 2004-12-06
DLA SECRETARIAL SERVICES LIMITED→
Resignedcorporate-nominee-secretary · appointed 1997-06-11 · resigned 1997-08-18
BROOKE, Christopher Roger Ettrick→
Resigneddirector · ~95y · appointed 1999-07-19 · resigned 2003-01-06
BROOKS, Peter John Sutton→
Resigneddirector · ~69y · appointed 2006-07-10 · resigned 2007-06-22
CAWDRON, Peter Edward Blackburn→
Resigneddirector · ~83y · appointed 1997-12-23 · resigned 2002-11-05
OLIVER, Simon Matthew Dudgeon→
Resigneddirector · ~86y · appointed 2003-06-17 · resigned 2016-12-12
OLIVER, Simon Matthew Dudgeon→
Resigneddirector · ~86y · appointed 1997-09-08 · resigned 2002-11-05
POWLES, Christopher John→
Resigneddirector · ~63y · appointed 1997-08-18 · resigned 2002-05-29
STODDART, Michael Craig→
Resigneddirector · ~94y · appointed 1997-12-23 · resigned 2002-11-05
DLA NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 1997-06-11 · resigned 1997-08-18
DLA SECRETARIAL SERVICES LIMITED→
Resignedcorporate-nominee-director · appointed 1997-06-11 · resigned 1997-08-18
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
1
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Carlton Corporate Finance Carlton Corporate Finance Limited | Rent deposit deed | 1 property | 09/09/2008 | — | |
| satisfied | IPT2 Property Holdings IPT2 Property Holdings Limited | Rent security deposit deed | 1 property | 23/05/2006 | 13/01/2009 | |
| satisfied | Meridian Properties (UK0 Meridian Properties (UK0 Limited | Rent deposit deed | 1 property | 22/07/1999 | 16/11/2007 | |
| satisfied | The Bank of Nova Scotia | Rent deposit deed | 1 property | 08/05/1998 | 16/11/2007 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (161 total)
accounts-with-accounts-type-full
accounts · AA
2026-05-05
legacy
capital · SH20
2026-04-01
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2026-04-01
legacy
insolvency · CAP-SS
2026-04-01
resolution
resolution · RESOLUTIONS
2026-04-01
change-person-director-company-with-change-date
officers · CH01
2026-01-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-12
accounts-with-accounts-type-full
accounts · AA
2025-03-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-17
accounts-with-accounts-type-full
accounts · AA
2024-04-23
accounts-with-accounts-type-full
accounts · AA
2023-10-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-17
accounts-with-accounts-type-full
accounts · AA
2022-05-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-15