EXECUTIVE BENEFIT SERVICES (U.K.) LIMITED
🌳Matureactive
SC054039 · ltd · incorporated 1973-09-18
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
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
PursueActive trading company with a 71-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (73/100, director aged 71). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
8 live charges · 4 lenders · oldest 44.7y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 44.7 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (59/100)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
No iXBRL financials extracted
0
Lenders & charges
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
27 officers (3 active, 27 linked, 22 with DOB)
86
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
174 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.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (76 events)Click to expand
- 2025-05-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-27📄change-person-director-company-with-change-dateofficers · CH01
- 2023-05-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-20📄accounts-with-accounts-type-smallaccounts · AA
- 2022-03-21📄change-person-director-company-with-change-dateofficers · CH01
- 2021-09-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-09-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-09-29🔓Charge satisfied #8
- 2021-09-29🔓Charge satisfied #6
- 2021-05-11📄accounts-with-accounts-type-smallaccounts · AA
- 2020-08-18📄accounts-with-accounts-type-smallaccounts · AA
- 2019-12-05📄change-person-director-company-with-change-dateofficers · CH01
- 2019-07-09📄accounts-with-accounts-type-smallaccounts · AA
- 2018-08-31➕THOMSON, Claire Lesley appointeddirector
- 2018-08-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-07-09📄accounts-with-accounts-type-smallaccounts · AA
- 2018-05-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-04-25🔒Charge registered #8Lender: Aib Group (UK) PLC
- 2018-03-12📄change-person-director-company-with-change-dateofficers · CH01
- 2017-04-15🔓Charge satisfied #5
- 2017-04-15🔓Charge satisfied #4
- 2017-04-15🔓Charge satisfied #3
- 2017-04-11➖MCCANN, Richard Charles resigneddirector
- 2017-04-07🔒Charge registered #7Lender: Richard Mccann
- 2017-04-07🔒Charge registered #6Lender: Aib Group (UK) PLC
- 2015-03-31➖EAGER, Peter resignedsecretary
- 2015-03-31➖EAGER, Peter resigneddirector
- 2013-09-26🔒Charge registered #5Lender: The Royal Bank of Scotland PLC
- 2013-09-26🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 2011-04-22➖MCCANN, Charles resigneddirector
- 2011-02-22➕BARR, Valerie Jane appointeddirector
- 2011-02-15➖BARR, Valerie Jane resigneddirector
- 2011-01-27➕BARR, Valerie Jane appointeddirector
- 2009-12-01➕MCCANN, Richard Charles appointeddirector
- 2009-11-17➖WARREN, Scott John resigneddirector
- 2009-08-21➕MCGHEE, Edward Douglas appointeddirector
- 2009-08-21➖MCCANN, Richard Charles resigneddirector
- 2009-07-09➕MCCANN, Charles appointeddirector
- 2008-12-31➖MCCANN, Charles resigneddirector
- 2008-01-01➕WARREN, Scott John appointeddirector
- 2006-05-19🔓Charge satisfied #2
- 2006-05-19🔓Charge satisfied #1
- 2006-04-27🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2005-07-01➕EAGER, Peter appointeddirector
- 2005-07-01➕MCCANN, Richard Charles appointeddirector
- 2002-03-31➖MCCANN, Richard Charles resigneddirector
- 2000-06-12➕EAGER, Peter appointedsecretary
- 2000-06-12➕MCCANN, Richard Charles appointeddirector
- 2000-03-31➖LAMBERT, Robert Adamson resignedsecretary
Showing most recent 50 of 76 events
Owner dependency
75/100
High — earn-out structure requiredMaterial 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 17 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 71 — succession pressure is live.
Succession & seller-readiness
83/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 17 years.
- secondaryStable-but-static management: Company is 53 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
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Rtb Wealth Planning Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Rtb Wealth Planning Ltd
Corporate parent · holds 75-100% shares
⬇
EXECUTIVE BENEFIT SERVICES (U.K.) LIMITED
This company · SC054039
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 |
|---|---|---|---|---|
Rtb Wealth Planning Ltd 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.
🔒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 · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ARDMORE FINANCIAL PLANNING LIMITED→ SC363882 · est 2009 | — | — | — | 800 | 16y | 83 | 58y |
| ARCHIBALD MACINNES AND COMPANY LIMITED→ SC031316 · est 1956 | — | — | £1.24M | — | 70y | 82 | 76y |
| MORTGAGE INFORMATION CENTRE LIMITED→ SC233257 · est 2002 | — | — | £14.1k | — | 23y | 82 | 66y |
| A.J. OPTIONS LIMITED→ SC229017 · est 2002 | — | — | — | 400 | 24y | 80 | 70y |
| ANNIE DUNCAN LTD.→ SC289895 · est 2005 | — | — | £524 | — | 20y | 80 | 68y |
| AVETON GIFFORD ASSOCIATES LIMITED→ SC268741 · est 2004 | — | — | £348.5k | — | 21y | 80 | 67y |
| DAVID DOUGAN FINANCIAL SERVICES LIMITED→ SC350319 · est 2008 | — | — | £30.5k | — | 17y | 80 | 66y |
| EXECUTIVE FINANCIAL SERVICES LIMITED→ SC280840 · est 2005 | — | — | £298.8k | — | 21y | 80 | 73y |
| F. P. BREEN LIMITED→ SC244307 · est 2003 | — | — | £2.2k | — | 23y | 80 | 60y |
| DUCKETT FAMILY INVESTMENTS LIMITED→ SC838585 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| GB FINANCIAL SERVICES LIMITED→ SC554846 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| MV FINANCE LTD→ SC552652 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated1973-09-18
Jurisdictionscotland
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
Ebs House
25 Hope Street
Lanark
South Lanarkshire
ML11 7NE
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-04-04
Last: 2026-03-21
Officers (3 active · 24 resigned)
BARR, Valerie Jane→
Activedirector · ~54y · appointed 2011-02-22
View their other companies + combined net worth →
MCGHEE, Edward Douglas→
Activedirector · ~71y · appointed 2009-08-21
View their other companies + combined net worth →
THOMSON, Claire Lesley→
Activedirector · ~47y · appointed 2018-08-31
View their other companies + combined net worth →
EAGER, Peter→
Resignedsecretary · appointed 2000-06-12 · resigned 2015-03-31
EAGER, Peter→
Resignedsecretary · resigned 1991-11-01
LAMBERT, Robert Adamson→
Resignedsecretary · appointed 1992-07-01 · resigned 2000-03-31
MCCANN, Moira→
Resignedsecretary · appointed 1991-10-01 · resigned 1992-06-30
ARNOLD, Michael→
Resigneddirector · ~79y · appointed 1991-10-28 · resigned 1998-04-08
BAKER, John Jeffreys→
Resigneddirector · ~78y · appointed 1994-05-01 · resigned 1994-05-01
BARR, Valerie Jane→
Resigneddirector · ~54y · appointed 2011-01-27 · resigned 2011-02-15
CROOKS, Alan David→
Resigneddirector · ~75y · appointed 1994-02-01 · resigned 1995-01-31
EAGER, Peter→
Resigneddirector · ~84y · appointed 2005-07-01 · resigned 2015-03-31
EAGER, Peter→
Resigneddirector · ~84y · resigned 1991-11-01
GORDON, Anthony Simon→
Resigneddirector · ~80y · appointed 1992-04-14 · resigned 1994-05-05
HAWTHORN, Lawrence→
Resigneddirector · resigned 1990-08-31
LAMBERT, Robert Adamson→
Resigneddirector · ~88y · appointed 1996-05-01 · resigned 2000-03-31
MCCANN, Charles→
Resigneddirector · ~78y · appointed 2009-07-09 · resigned 2011-04-22
MCCANN, Charles→
Resigneddirector · ~78y · resigned 2008-12-31
MCCANN, Richard Charles→
Resigneddirector · ~56y · appointed 2009-12-01 · resigned 2017-04-11
MCCANN, Richard Charles→
Resigneddirector · ~56y · appointed 2005-07-01 · resigned 2009-08-21
Click a director name to see their full track record across all companies.
Mortgages & charges
8
Total charges
1
Outstanding
1
Active lenders
Status:Lender:8 of 8 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Aib Group (UK) Aib Group (UK) PLC | A registered charge | 1 property | 25/04/2018 | 29/09/2021 | |
| outstanding | Richard Mccann | A registered charge | — | 07/04/2017 | — | |
| satisfied | Aib Group (UK) Aib Group (UK) PLC | A registered charge | — | 07/04/2017 | 29/09/2021 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 26/09/2013 | 15/04/2017 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 26/09/2013 | 15/04/2017 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 27/04/2006 | 15/04/2017 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 27/08/1991 | 19/05/2006 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 02/09/1981 | 19/05/2006 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (174 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-22
change-person-director-company-with-change-date
officers · CH01
2023-06-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-22
accounts-with-accounts-type-small
accounts · AA
2022-04-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-21
change-person-director-company-with-change-date
officers · CH01
2022-03-21
mortgage-satisfy-charge-full
mortgage · MR04
2021-09-29
mortgage-satisfy-charge-full
mortgage · MR04
2021-09-29
accounts-with-accounts-type-small
accounts · AA
2021-05-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-30