TESCO PERSONAL FINANCE LIMITED

🌳Matureactive

SC173199 · ltd · incorporated 1997-03-05

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.

Why now

Window steady · medium confidence

Mixed signals — 1 changes over 30 days, no clear direction yet.

· Distress / opportunity: speculative → avoid

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 5.0y old — refinance window within 12 months

What changed my view

Last 30 days

Mixed signals in the last 30 days — 0 improved, 0 worsened.

·Distress / opportunity: speculative → avoid

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

71/100

Strong

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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 71/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: 2 insolvency-related filings on record. Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 5.0y

55/100

clean up first

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

· Charge age ~5.0 years — mid-life; refi window approaching.
· Single lender — cleanest path to refinance.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (58/100)

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

83 officers (7 active, 83 linked, 76 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

4 connected companies via shared directors

Filing history

359 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

71/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filing

• 1 officers

Last 90 days

filings

• 3 officers
• 1 accounts

Last 180 days

filings

• 3 officers
• 2 capital
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (185 events)Click to expand

2026-07-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-07-01
➖
CRONIN, Margot resigned
director
2026-05-27
📄
accounts-with-accounts-type-full
accounts · AA
2026-05-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-05-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-05-02
➕
READER, Gary John Charles appointed
director
2026-05-02
➖
RAMSAY, Caroline Frances, Ms resigned
director
2026-02-04
📄
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2026-02-04
📄
legacy
capital · SH20
2026-02-04
⚠️
legacy
insolvency · CAP-SS
2026-02-04
📄
resolution
resolution · RESOLUTIONS
2025-11-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-10-31
➕
CURRIE, Julie Louise appointed
director
2025-07-11
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2025-07-11
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-07-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-04
➕
STIVEY, Gail Evelyn appointed
secretary
2025-07-04
➕
BUNDELL, Craig Peter appointed
director
2025-07-04
➖
MITCHELL, Patricia Lynne resigned
secretary
2025-05-13
📄
accounts-with-accounts-type-full
accounts · AA
2025-05-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-05-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-05-01
➖
ENDERSBY, Robert Duncan resigned
director
2025-05-01
➖
MACHELL, Simon Christopher John resigned
director
2025-03-18
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-02-27
📄
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2025-02-27
📄
legacy
capital · SH20
2025-02-27
⚠️
legacy
insolvency · CAP-SS
2025-02-27
📄
resolution
resolution · RESOLUTIONS
2025-02-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-02-11
➖
DUGGAN, Gary John resigned
director
2025-02-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-01-23
➕
MANCHESTER, Peter Damien appointed
director
2024-12-27
📄
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2024-11-29
➕
CASS, Gillian Barbara appointed
director
2024-11-26
🔓
Charge satisfied #1
2024-11-01
➖
BURDEN, Fiona resigned
secretary
2024-11-01
➕
MITCHELL, Patricia Lynne appointed
secretary
2024-11-01
➕
CRONIN, Margot appointed
director
2024-11-01
➖
CURRIE, Julie Louise resigned
director
2024-11-01
➕
DUGGAN, Gary John appointed
director
2024-11-01
➖
FERGUSON, Jacqueline resigned
director
2024-11-01
➖
FITZGERALD, Scott Paul resigned
director
2024-11-01
➖
HENDERSON, Richard John resigned
director
2024-11-01
➖
MALLON, Gerard Martin resigned
director
2024-11-01
➖
PATEL, Tikendra resigned
director
2024-11-01
➕
RAMSAY, Caroline Frances, Ms appointed
director
2024-11-01
➖
WALKER, Deborah Ann resigned
director
2024-10-01
➕
FITZGERALD, Scott Paul appointed
director
2024-09-01
➖
GOPALAKRISHNAN, Prasanna resigned
director

Showing most recent 50 of 185 events

Owner dependency

48/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

50/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.

Red flags

1 high · 1 med ·

2 insolvency-related filings on record

high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2026-02-04: legacy; 2025-02-27: legacy

2 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: CRONIN, Margot resigned 2026-07-01; RAMSAY, Caroline Frances, Ms resigned 2026-05-02

Group structure

Tesco Personal Finance Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Tesco Personal Finance Group Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

TESCO PERSONAL FINANCE LIMITED

This company · SC173199

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
Tesco Personal Finance Group 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 · EH postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AMATI GLOBAL INVESTORS LIMITED→ SC199908 · est 1999	£8.90M £6.47M–£11.33M	—	—	2800	26y	84	66y
CS MANAGERS LTD→ SC231678 · est 2002	£1.50M £1.09M–£1.91M	—	—	1200	24y	86	77y
GBCP VII (GENERAL PARTNER) LIMITED→ SC253395 · est 2003 · no financials extracted	—	—	—	—	22y	83	62y
NOBLE GROSSART LIMITED→ SC046265 · est 1969 · no financials extracted	—	—	—	—	57y	83	72y
PAYPLAN (SCOTLAND) LIMITED→ SC400113 · est 2011 · no financials extracted	—	—	—	—	15y	83	61y
PREMIER COMMERCIAL LIMITED→ SC160330 · est 1995	—	—	£282.5k	—	30y	83	61y
RIA CAPITAL MARKETS LIMITED→ SC226461 · est 2001 · no financials extracted	—	—	—	—	24y	83	58y
SCOTIA WEALTH MANAGEMENT LTD.→ SC267795 · est 2004	—	—	—	1300	22y	83	58y
SMG FINANCIAL MANAGEMENT LIMITED→ SC254010 · est 2003	—	—	£440.9k	—	22y	83	62y
ALAN STEEL (ASSET MANAGEMENT) LIMITED→ SC058014 · est 1975	—	—	—	44	51y	82	62y
ALEX HAMMOND-CHAMBERS & COMPANY→ SC126819 · est 1990 · no financials extracted	—	—	—	—	35y	82	84y
BANDRON LIMITED→ SC082385 · est 1983	—	—	—	400	43y	82	71y

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 →

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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.

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Company details

Statusactive

Typeltd

Incorporated1997-03-05

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

2 South Gyle Crescent

Edinburgh

EH12 9FQ

United Kingdom

Filing status

Accounts

Next due: 2027-11-30

Last made up to: 2026-02-28

Confirmation statement

Next due: 2027-03-26

Last: 2026-03-12