PAYPLAN PARTNERSHIP LIMITED

🌳Matureactive
07199691 · ltd · incorporated 2010-03-23
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 3.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
£6.78M
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 3.7y

60/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Charge age ~3.7 years — mid-life; refi window approaching.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 20/100 — clean.

Data confidence

Overall: medium (75/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
20 officers (4 active, 20 linked, 18 with DOB)
88
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
83 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
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 £6,778,056

Key financials

1 year extracted from filed iXBRL accounts
Cash
£473k
Net Worth
£6.8m
Current Assets
£11m
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-12-31
Total assets£6.78M
Current assets£11.08M
Cash£473.4k
Debtors£10.61M
Net assets£6.78M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

4 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
  • • 1 accounts
  • • 1 resolution
  • • 1 incorporation
Last 180 days
5
filings
  • • 1 accounts
  • • 1 resolution
  • • 1 incorporation
Counts from Companies House filing history.
Corporate timeline (58 events)Click to expand
  1. 2026-06-17
    📄
    accounts-with-accounts-type-medium
    accounts · AA
  2. 2026-05-11
    📄
    resolution
    resolution · RESOLUTIONS
  3. 2026-05-11
    📄
    memorandum-articles
    incorporation · MA
  4. 2026-04-21
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2026-04-20
    🔒
    Charge registered #2
    Lender: Glas Trust Corporation Limited (As Security Trustee)
  6. 2025-09-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2025-09-17
    🔓
    Charge satisfied #1
  8. 2025-08-19
    📄
    accounts-with-accounts-type-full
    accounts · AA
  9. 2024-10-11
    📄
    accounts-with-accounts-type-full
    accounts · AA
  10. 2024-03-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2024-03-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2024-02-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2024-02-22
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2023-09-20
    📄
    accounts-with-accounts-type-small
    accounts · AA
  15. 2022-10-07
    📄
    accounts-with-accounts-type-small
    accounts · AA
  16. 2022-10-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2022-09-27
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  18. 2021-10-26
    📄
    accounts-with-accounts-type-small
    accounts · AA
  19. 2021-06-08
    📄
    auditors-resignation-company
    auditors · AUD
  20. 2021-03-25
    📄
    second-filing-of-confirmation-statement-with-made-up-date
    confirmation-statement · RP04CS01
  21. 2021-02-10
    📄
    accounts-with-accounts-type-small
    accounts · AA
  22. 2019-06-28
    ➖
    MARLAND, Kenneth Webster resigned
    director
  23. 2019-05-03
    ➖
    KIRK, Andrew John resigned
    director
  24. 2019-01-25
    ➕
    KIRK, Andrew John appointed
    director
  25. 2018-06-14
    ➖
    RANN, Susan Dawn resigned
    director
  26. 2016-12-06
    ➖
    CROOT, Stella resigned
    director
  27. 2016-09-07
    ➖
    DURRANCE, Howard resigned
    director
  28. 2016-08-18
    ➖
    EAVES, Jason Gregory resigned
    director
  29. 2016-02-22
    ➕
    CROOT, Stella appointed
    director
  30. 2016-02-22
    ➕
    DURRANCE, Howard appointed
    director
  31. 2016-01-16
    ➖
    STEWART, Mary Ann resigned
    director
  32. 2015-03-17
    ➕
    EAVES, Jason Gregory appointed
    director
  33. 2015-03-17
    ➖
    OLSSON, Alice resigned
    director
  34. 2015-03-17
    ➖
    TAYLOR, Andrew Martin resigned
    director
  35. 2014-12-12
    ➖
    STRINGER, Dale resigned
    director
  36. 2014-11-03
    ➖
    BOYDEN, Patrick Michael resigned
    director
  37. 2014-11-03
    ➖
    JACKMAN, David resigned
    director
  38. 2014-10-08
    ➕
    MARLAND, Kenneth Webster appointed
    director
  39. 2014-09-03
    ➕
    BOYDEN, Patrick Michael appointed
    director
  40. 2014-09-03
    ➕
    JACKMAN, David appointed
    director
  41. 2014-09-03
    ➕
    OLSSON, Alice appointed
    director
  42. 2014-09-03
    ➕
    STEWART, Mary Ann appointed
    director
  43. 2014-09-03
    ➕
    STRINGER, Dale appointed
    director
  44. 2014-09-03
    ➕
    TAYLOR, Andrew Martin appointed
    director
  45. 2014-09-02
    ➕
    FAIRHURST, John appointed
    director
  46. 2014-09-02
    ➖
    RANN, Gordon Philip Dale resigned
    director
  47. 2014-09-02
    ➕
    RANN, Susan Dawn appointed
    director
  48. 2014-08-04
    ➕
    DUFFEY, Rachel Elizabeth appointed
    director
  49. 2014-08-04
    ➖
    RANN, Lesley Elizabeth resigned
    director
  50. 2014-07-04
    ➕
    BRIGGS, Halina appointed
    secretary
Showing most recent 50 of 58 events

Owner dependency

68/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

63/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • secondary12+ year tenure: Director in role 16 years.
  • secondaryStable-but-static management: Company is 16 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Payplan Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Payplan Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
PAYPLAN PARTNERSHIP LIMITED
This company · 07199691

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
Payplan Limited
Corporate entity
75–100%
75–100%75-100% shares · 75-100% voting29/06/2018
1 historic (ceased) PSC
  • Totemic (2014) Holdings Limitedceased 29/06/2018· 75-100% shares

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

6 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
Incorporated2010-03-23
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Kempton House Kempton Way
Dysart Road
Grantham
NG31 7LE
England

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-04-01
Last: 2026-03-18

Officers (4 active · 16 resigned)

BRIGGS, Halina→
secretary · appointed 2014-07-04
View their other companies + combined net worth →
Active
DUFFEY, Rachel Elizabeth→
director · ~48y · appointed 2014-08-04
View their other companies + combined net worth →
Active
FAIRHURST, John→
director · ~61y · appointed 2014-09-02
View their other companies + combined net worth →
Active
PAYNE, Nicholas Timothy→
director · ~49y · appointed 2010-09-29
View their other companies + combined net worth →
Active
PAYNE, Louise→
secretary · appointed 2010-03-23 · resigned 2014-07-04
Resigned
BOYDEN, Patrick Michael→
director · ~74y · appointed 2014-09-03 · resigned 2014-11-03
Resigned
CROOT, Stella→
director · ~59y · appointed 2016-02-22 · resigned 2016-12-06
Resigned
DURRANCE, Howard→
director · ~77y · appointed 2016-02-22 · resigned 2016-09-07
Resigned
EAVES, Jason Gregory→
director · ~61y · appointed 2015-03-17 · resigned 2016-08-18
Resigned
JACKMAN, David→
director · ~66y · appointed 2014-09-03 · resigned 2014-11-03
Resigned
KIRK, Andrew John→
director · ~45y · appointed 2019-01-25 · resigned 2019-05-03
Resigned
MARLAND, Kenneth Webster→
director · ~65y · appointed 2014-10-08 · resigned 2019-06-28
Resigned
OLSSON, Alice→
director · ~48y · appointed 2014-09-03 · resigned 2015-03-17
Resigned
RANN, Gordon Philip Dale→
director · ~76y · appointed 2010-03-23 · resigned 2014-09-02
Resigned
RANN, Lesley Elizabeth→
director · ~67y · appointed 2010-03-23 · resigned 2014-08-04
Resigned
RANN, Susan Dawn→
director · ~52y · appointed 2014-09-02 · resigned 2018-06-14
Resigned
STEWART, Mary Ann→
director · ~62y · appointed 2014-09-03 · resigned 2016-01-16
Resigned
STRINGER, Dale→
director · ~54y · appointed 2014-09-03 · resigned 2014-12-12
Resigned
TAPSON, Lianne Estelle→
director · ~60y · appointed 2010-03-23 · resigned 2014-07-04
Resigned
TAYLOR, Andrew Martin→
director · ~60y · appointed 2014-09-03 · resigned 2015-03-17
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Glas Trust Corporation (As Security Trustee)
Glas Trust Corporation Limited (As Security Trustee)
A registered charge1 property20/04/2026—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—27/09/202217/09/2025
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (83 total)

accounts-with-accounts-type-medium
accounts · AA
2026-06-17
resolution
resolution · RESOLUTIONS
2026-05-11
memorandum-articles
incorporation · MA
2026-05-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-09
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-17
accounts-with-accounts-type-full
accounts · AA
2025-08-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-18
accounts-with-accounts-type-full
accounts · AA
2024-10-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-03-11
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-03-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-02-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-02-22
accounts-with-accounts-type-small
accounts · AA
2023-09-20