@SIPP LIMITED

🌳Matureactive
SC217126 · ltd · incorporated 2001-03-21
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
£10.21M
year to Mar 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: conservative operator with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (85/100).

🏦

Refinance opportunity

1 live charge · oldest 2.3y

60/100
clean up first

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

  • · Newest facility, 2.3 years old — likely still in initial term.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 20/100 — clean.
  • · Profitable and stable/growing — lender coverage supportable.

Data confidence

Overall: medium (78/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
17 officers (2 active, 17 linked, 13 with DOB)
85
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
148 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
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
75
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 · FRS 102
Profitable
Profit before tax £6,134,172

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Turnover£10.21M—
Gross profit£10.21M—
Operating profit£6.74M—
Profit before tax£6.13M—
Average employees62005800

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 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (50 events)Click to expand
  1. 2025-12-10
    📄
    accounts-with-accounts-type-full
    accounts · AA
  2. 2024-12-16
    📄
    accounts-with-accounts-type-small
    accounts · AA
  3. 2024-09-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  4. 2024-01-08
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2024-01-04
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  6. 2024-01-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  7. 2024-01-04
    📄
    accounts-with-accounts-type-small
    accounts · AA
  8. 2024-01-03
    🔒
    Charge registered #6
    Lender: Santander UK PLC as Security Trustee for Each of Itself and Each Secured Party
  9. 2023-04-24
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2023-04-12
    ➕
    LANCASTER, Stephen appointed
    director
  11. 2023-03-15
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2023-03-02
    ➖
    BARRAL, Colin George resigned
    director
  13. 2022-11-21
    📄
    accounts-with-accounts-type-small
    accounts · AA
  14. 2021-12-02
    📄
    accounts-with-accounts-type-small
    accounts · AA
  15. 2020-12-18
    📄
    accounts-with-accounts-type-small
    accounts · AA
  16. 2019-10-17
    📄
    accounts-with-accounts-type-small
    accounts · AA
  17. 2018-12-31
    📄
    accounts-with-accounts-type-small
    accounts · AA
  18. 2017-12-15
    📄
    accounts-with-accounts-type-small
    accounts · AA
  19. 2017-07-10
    📄
    resolution
    resolution · RESOLUTIONS
  20. 2016-03-17
    ➖
    MARTIN, John Scott resigned
    director
  21. 2016-03-17
    ➖
    TALMAN, Iain James Scott resigned
    director
  22. 2015-10-12
    ➕
    MCGUIRE, Eddie appointed
    director
  23. 2015-08-14
    ➖
    DOUGLAS, Michael Norman resigned
    director
  24. 2014-07-01
    ➖
    CRAIG, Thomas Kirk resigned
    secretary
  25. 2014-05-30
    ➖
    DALY, Gerald resigned
    director
  26. 2014-01-23
    ➖
    CRAIG, Thomas Kirk resigned
    director
  27. 2013-02-01
    ➕
    DOUGLAS, Michael Norman appointed
    director
  28. 2012-04-01
    ➕
    MARTIN, John Scott appointed
    director
  29. 2008-03-18
    ➕
    TALMAN, Iain James Scott appointed
    director
  30. 2007-09-14
    ➖
    WISHART, Thomas Malcolm Thain resigned
    director
  31. 2006-11-30
    ➖
    WELSH, Paul resigned
    director
  32. 2006-06-13
    ➕
    DALY, Gerald appointed
    director
  33. 2006-03-15
    ➖
    BOYD, David John resigned
    director
  34. 2005-07-13
    ➕
    WELSH, Paul appointed
    director
  35. 2004-08-31
    ➖
    FINNIE, Graeme Alexander Lumsden resigned
    director
  36. 2002-11-25
    ➕
    FINNIE, Graeme Alexander Lumsden appointed
    director
  37. 2001-09-26
    ➕
    CRAIG, Thomas Kirk appointed
    secretary
  38. 2001-09-26
    ➖
    MACDONALDS resigned
    corporate-secretary
  39. 2001-09-26
    ➕
    BARRAL, Colin George appointed
    director
  40. 2001-09-26
    ➕
    BOYD, David John appointed
    director
  41. 2001-09-26
    ➕
    CRAIG, Thomas Kirk appointed
    director
  42. 2001-09-26
    ➖
    WHITE, Joyce Helen resigned
    director
  43. 2001-09-26
    ➕
    WISHART, Thomas Malcolm Thain appointed
    director
  44. 2001-03-21
    🏢
    Company incorporated
    As @SIPP LIMITED
  45. 2001-03-21
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  46. 2001-03-21
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  47. 2001-03-21
    ➕
    MACDONALDS appointed
    corporate-secretary
  48. 2001-03-21
    ➕
    WHITE, Joyce Helen appointed
    director
  49. 2001-03-21
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  50. 2001-03-21
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

66/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.

Succession & seller-readiness

61/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondaryStable-but-static management: Company is 25 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

@Sipp Group Holdings Limited (Formerly Tee Three Limited) is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
@Sipp Group Holdings Limited (Formerly Tee Three Limited)
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
@SIPP LIMITED
This company · SC217126

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

2 active beneficial owners · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
@Sipp Group Holdings Limited (Formerly Tee Three Limited)
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control03/01/2024
Mr Eddie Mcguire
Individual · British · DOB 05/1964 · age 62
——sig. influencesignificant influence06/04/2016
1 historic (ceased) PSC
  • Mr Coin Barralceased 03/01/2024· 50-75% shares

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Financial services · G postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
TDS (E&W) LIMITED→
SC530749 · est 2016 · no financials extracted
————10y——
THE ER NETWORK LIMITED→
SC292243 · est 2005 · no financials extracted
————20y——
THE LONDON MORTGAGE COMPANY LIMITED→
SC474874 · est 2014 · no financials extracted
————12y——
THE MORTGAGE ADVICE SERVICE (SCOTLAND) LTD→
SC600894 · est 2018 · no financials extracted
————7y——
THE PSYCHOLOGY EXPERT WITNESS GROUP LTD→
SC865511 · est 2025 · no financials extracted
———————
THE WATER ROW COMPANY LTD→
SC784384 · est 2023 · no financials extracted
————2y——
THOMSON MCCALLUM LIMITED→
SC382004 · est 2010 · no financials extracted
————15y——
THORNE INVESTMENTS LTD→
SC527615 · est 2016 · no financials extracted
————10y——
TITCHWOOD FINANCE LIMITED→
SC109907 · est 1988 · no financials extracted
————38y——
TMA SCOTLAND LIMITED→
SC814662 · est 2024 · no financials extracted
————1y——
TMW (COMMERCIAL) LIMITED→
SC781785 · est 2023 · no financials extracted
————2y——
TOMINEY PROFESSIONAL LIMITED→
SC379379 · est 2010 · no financials extracted
————15y——
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
Incorporated2001-03-21
Jurisdictionscotland
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

6th Floor, Mercantile Building
53 Bothwell Street
Glasgow
G2 6TS

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-22
Last: 2026-04-08

Officers (2 active · 15 resigned)

LANCASTER, Stephen→
director · ~43y · appointed 2023-04-12
View their other companies + combined net worth →
Active
MCGUIRE, Eddie→
director · ~62y · appointed 2015-10-12
View their other companies + combined net worth →
Active
CRAIG, Thomas Kirk→
secretary · appointed 2001-09-26 · resigned 2014-07-01
Resigned
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2001-03-21 · resigned 2001-03-21
Resigned
MACDONALDS→
corporate-secretary · appointed 2001-03-21 · resigned 2001-09-26
Resigned
BARRAL, Colin George→
director · ~68y · appointed 2001-09-26 · resigned 2023-03-02
Resigned
BOYD, David John→
director · ~65y · appointed 2001-09-26 · resigned 2006-03-15
Resigned
CRAIG, Thomas Kirk→
director · ~75y · appointed 2001-09-26 · resigned 2014-01-23
Resigned
DALY, Gerald→
director · ~72y · appointed 2006-06-13 · resigned 2014-05-30
Resigned
DOUGLAS, Michael Norman→
director · ~61y · appointed 2013-02-01 · resigned 2015-08-14
Resigned
FINNIE, Graeme Alexander Lumsden→
director · ~56y · appointed 2002-11-25 · resigned 2004-08-31
Resigned
MARTIN, John Scott→
director · ~68y · appointed 2012-04-01 · resigned 2016-03-17
Resigned
TALMAN, Iain James Scott→
director · ~74y · appointed 2008-03-18 · resigned 2016-03-17
Resigned
WELSH, Paul→
director · ~52y · appointed 2005-07-13 · resigned 2006-11-30
Resigned
WHITE, Joyce Helen→
director · ~67y · appointed 2001-03-21 · resigned 2001-09-26
Resigned
WISHART, Thomas Malcolm Thain→
director · ~78y · appointed 2001-09-26 · resigned 2007-09-14
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2001-03-21 · resigned 2001-03-21
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Santander
Santander UK PLC as Security Trustee for Each of Itself and Each Secured Party
A registered charge—03/01/2024—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (148 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-10
accounts-with-accounts-type-full
accounts · AA
2025-12-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-02
accounts-with-accounts-type-small
accounts · AA
2024-12-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-09-23
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-08
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-01-04
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-01-04
accounts-with-accounts-type-small
accounts · AA
2024-01-04
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-28
appoint-person-director-company-with-name-date
officers · AP01
2023-04-24
termination-director-company-with-name-termination-date
officers · TM01
2023-03-15
accounts-with-accounts-type-small
accounts · AA
2022-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-14