CARD TRANSACTIONS LIMITED

🌳Matureactive
SC185189 · ltd · incorporated 1998-04-24
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 27.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Other information technology service activities
Sector: Information & communication
Investor take
Pursue
Active trading company with a 75-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 75). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 27.9y

50/100
clean up first

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

  • · Oldest live charge is 27.9 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · 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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
15 officers (3 active, 15 linked, 8 with DOB)
81
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
102 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
2
filings
  • • 2 persons-with-significant-control
Last 180 days
3
filings
  • • 2 persons-with-significant-control
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (46 events)Click to expand
  1. 2026-02-18
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  2. 2026-02-17
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  3. 2025-05-29
    📄
    accounts-with-accounts-type-small
    accounts · AA
  4. 2024-05-31
    📄
    accounts-with-accounts-type-small
    accounts · AA
  5. 2023-01-26
    📄
    accounts-with-accounts-type-small
    accounts · AA
  6. 2022-06-08
    📄
    accounts-with-accounts-type-small
    accounts · AA
  7. 2021-03-17
    📄
    accounts-with-accounts-type-small
    accounts · AA
  8. 2019-12-23
    📄
    accounts-with-accounts-type-small
    accounts · AA
  9. 2019-07-04
    📄
    accounts-with-accounts-type-small
    accounts · AA
  10. 2018-12-04
    📄
    auditors-resignation-company
    auditors · AUD
  11. 2018-06-01
    📄
    accounts-with-accounts-type-small
    accounts · AA
  12. 2017-06-24
    📄
    accounts-with-accounts-type-small
    accounts · AA
  13. 2016-06-29
    📄
    auditors-resignation-company
    auditors · AUD
  14. 2016-04-29
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2016-03-03
    📄
    accounts-with-accounts-type-small
    accounts · AA
  16. 2009-07-23
    🔓
    Charge satisfied #1
  17. 2004-12-01
    ➖
    MILLER, Linda Eva resigned
    director
  18. 2001-10-26
    ➕
    GOUGH, Barry Kevin appointed
    secretary
  19. 2001-10-26
    ➕
    GOUGH, Barry Kevin appointed
    director
  20. 2001-02-01
    ➖
    CURZON CORPORATE SECRETARIES LIMITED resigned
    corporate-secretary
  21. 2001-02-01
    ➖
    BRADY, Sian Margaret resigned
    director
  22. 2001-02-01
    ➖
    CURZON CORPORATE SECRETARIES LIMITED resigned
    corporate-director
  23. 2001-02-01
    ➖
    CURZON DIRECTORS LIMITED resigned
    corporate-director
  24. 2000-03-17
    ➕
    MILLER, Linda Eva appointed
    director
  25. 2000-03-17
    ➖
    WARD, Keith John resigned
    director
  26. 1999-08-26
    ➕
    WARD, Keith John appointed
    director
  27. 1999-07-07
    ➖
    BENNIE, Lynne Haig resigned
    secretary
  28. 1999-07-07
    ➕
    CURZON CORPORATE SECRETARIES LIMITED appointed
    corporate-secretary
  29. 1999-07-07
    ➖
    BENNIE, Lynne Haig resigned
    director
  30. 1999-07-07
    ➖
    MACKIE, Alexander Charles Gordon resigned
    director
  31. 1999-07-07
    ➕
    CURZON CORPORATE SECRETARIES LIMITED appointed
    corporate-director
  32. 1999-07-07
    ➕
    CURZON DIRECTORS LIMITED appointed
    corporate-director
  33. 1998-09-30
    🔒
    Charge registered #3
    Lender: Installation Technology Limited
  34. 1998-07-22
    ➖
    NIND, David Lawrence resigned
    director
  35. 1998-06-23
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  36. 1998-05-01
    ➕
    PARRIS, Ian Robert appointed
    director
  37. 1998-05-01
    ➕
    BENNIE, Lynne Haig appointed
    secretary
  38. 1998-05-01
    ➖
    MACROBERTS (SOLICITORS) resigned
    corporate-secretary
  39. 1998-05-01
    ➕
    BENNIE, Lynne Haig appointed
    director
  40. 1998-05-01
    ➕
    BRADY, Sian Margaret appointed
    director
  41. 1998-05-01
    ➕
    MACKIE, Alexander Charles Gordon appointed
    director
  42. 1998-05-01
    ➕
    NIND, David Lawrence appointed
    director
  43. 1998-05-01
    ➖
    MACROBERTS CORPORATE SERVICES LIMITED resigned
    corporate-director
  44. 1998-04-24
    🏢
    Company incorporated
    As CARD TRANSACTIONS LIMITED
  45. 1998-04-24
    ➕
    MACROBERTS (SOLICITORS) appointed
    corporate-secretary
  46. 1998-04-24
    ➕
    MACROBERTS CORPORATE SERVICES LIMITED appointed
    corporate-director

Owner dependency

83/100
Critical — business is the founder

The 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 28 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 75 — succession pressure is live.

Succession & seller-readiness

96/100
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 75 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 28 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 28 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

Installation Technology Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Installation Technology Ltd
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
CARD TRANSACTIONS LIMITED
This company · SC185189

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
Installation Technology Ltd
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016
1 historic (ceased) PSC
  • Mr Ian Robert Parrisceased 06/04/2016· significant influence

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

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
Incorporated1998-04-24
Jurisdictionscotland
Primary SIC62090 — Other information technology service activities

Registered office

C/O Barwell Consulting Ltd
Sterling House
20 Renfield Street
Glasgow
G2 5AP

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-12-26
Last: 2025-12-12

Officers (3 active · 12 resigned)

GOUGH, Barry Kevin→
secretary · appointed 2001-10-26
View their other companies + combined net worth →
Active
GOUGH, Barry Kevin→
director · ~75y · appointed 2001-10-26
View their other companies + combined net worth →
Active
PARRIS, Ian Robert→
director · ~58y · appointed 1998-05-01
View their other companies + combined net worth →
Active
BENNIE, Lynne Haig→
secretary · appointed 1998-05-01 · resigned 1999-07-07
Resigned
CURZON CORPORATE SECRETARIES LIMITED→
corporate-secretary · appointed 1999-07-07 · resigned 2001-02-01
Resigned
MACROBERTS (SOLICITORS)→
corporate-secretary · appointed 1998-04-24 · resigned 1998-05-01
Resigned
BENNIE, Lynne Haig→
director · ~73y · appointed 1998-05-01 · resigned 1999-07-07
Resigned
BRADY, Sian Margaret→
director · ~70y · appointed 1998-05-01 · resigned 2001-02-01
Resigned
MACKIE, Alexander Charles Gordon→
director · ~80y · appointed 1998-05-01 · resigned 1999-07-07
Resigned
MILLER, Linda Eva→
director · ~75y · appointed 2000-03-17 · resigned 2004-12-01
Resigned
NIND, David Lawrence→
director · ~72y · appointed 1998-05-01 · resigned 1998-07-22
Resigned
WARD, Keith John→
director · ~93y · appointed 1999-08-26 · resigned 2000-03-17
Resigned
CURZON CORPORATE SECRETARIES LIMITED→
corporate-director · appointed 1999-07-07 · resigned 2001-02-01
Resigned
CURZON DIRECTORS LIMITED→
corporate-director · appointed 1999-07-07 · resigned 2001-02-01
Resigned
MACROBERTS CORPORATE SERVICES LIMITED→
corporate-director · appointed 1998-04-24 · resigned 1998-05-01
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
Installation Technology
Installation Technology Limited
Floating charge1 property30/09/1998—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Floating charge1 property23/06/199823/07/2009
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (102 total)

notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-02-18
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-02-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-16
accounts-with-accounts-type-small
accounts · AA
2025-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-29
accounts-with-accounts-type-small
accounts · AA
2024-05-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-03
accounts-with-accounts-type-small
accounts · AA
2023-01-26
accounts-with-accounts-type-small
accounts · AA
2022-06-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-27
accounts-with-accounts-type-small
accounts · AA
2021-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-04-24
accounts-with-accounts-type-small
accounts · AA
2019-12-23