RIA CAPITAL MARKETS LIMITED
🌳Matureactive
SC226461 · ltd · incorporated 2001-12-19
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 23.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with exceptional profile and bankable structure.
Opportunity 83/100 (exceptional), bankability 85/100. 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
1 live charge · oldest 23.3y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 23.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
14 officers (4 active, 14 linked, 12 with DOB)
87
Ownership & PSC
4 active PSC(s) of 4 total, 4 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
135 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.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
- 2026-03-30📄accounts-with-accounts-type-fullaccounts · AA
- 2025-04-09📄accounts-with-accounts-type-fullaccounts · AA
- 2024-04-08📄accounts-with-accounts-type-fullaccounts · AA
- 2024-04-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-01-31📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2023-10-04📄capital-cancellation-sharescapital · SH06
- 2023-10-04📄capital-return-purchase-own-sharescapital · SH03
- 2023-03-24📄accounts-with-accounts-type-fullaccounts · AA
- 2022-03-22📄accounts-with-accounts-type-fullaccounts · AA
- 2021-03-26📄accounts-with-accounts-type-fullaccounts · AA
- 2021-01-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-12-31➖THOMSON, John Kearsley resigneddirector
- 2020-03-20📄accounts-with-accounts-type-fullaccounts · AA
- 2019-03-26📄accounts-with-accounts-type-fullaccounts · AA
- 2018-05-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-03-28📄accounts-with-accounts-type-fullaccounts · AA
- 2017-08-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2015-01-30➖AMITI, Sergio resigneddirector
- 2014-02-14🔓Charge satisfied #1
- 2012-05-02➖PHILLIPS, Christopher Richard resigneddirector
- 2010-07-01➕HAY SMITH, Lorna Tracey appointeddirector
- 2010-07-01➕AMITI, Sergio appointeddirector
- 2009-08-06➕KORVIN, Ian Matthew appointeddirector
- 2009-07-30➖HAYES, Alan John resigneddirector
- 2009-04-29➕HAYES, Alan John appointeddirector
- 2009-04-29➖MILLER, Robert Douglas resigneddirector
- 2005-04-26➕PHILLIPS, Christopher Richard appointeddirector
- 2005-04-26➖RALPH, Tamsin Duncan resigneddirector
- 2004-11-11➕DEMPSTER, Stuart Alastair appointeddirector
- 2004-11-08➖RALPH, Andrew Thomas Stephen resigneddirector
- 2004-08-20➕THOMSON, John Kearsley appointeddirector
- 2004-08-12➖BALFOUR, Michael Warren resigneddirector
- 2004-02-20➕RALPH, Tamsin Duncan appointeddirector
- 2004-02-19➕HAY SMITH, Lorna appointedsecretary
- 2004-02-19➖RALPH, Tamsin Duncan resignedsecretary
- 2003-07-14➖THOMSON, Stuart Colin resigneddirector
- 2003-01-10🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2003-01-02➕THOMSON, Stuart Colin appointeddirector
- 2002-12-17➕BALFOUR, Michael Warren appointeddirector
- 2002-12-17➕MILLER, Robert Douglas appointeddirector
- 2001-12-19🏢Company incorporatedAs RIA CAPITAL MARKETS LIMITED
- 2001-12-19➕RALPH, Tamsin Duncan appointedsecretary
- 2001-12-19➕RALPH, Andrew Thomas Stephen appointeddirector
Owner dependency
68/100
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 21 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
Succession & seller-readiness
70/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 24 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
4 active beneficial owners · fragmented| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Valentina Dempster Individual · British · DOB 03/1975 · age 51 | 25–50% | — | 25-50% shares | 13/09/2023 |
Mrs Samantha Korvin Individual · British · DOB 01/1976 · age 50 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mr Stuart Alastair Dempster Individual · British · DOB 10/1968 · age 58 | — | 25–50% | 25-50% voting | 06/04/2016 |
Mr Ian Matthew Korvin Individual · British · DOB 08/1974 · age 52 | — | 25–50% | 25-50% voting | 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
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|---|---|---|---|---|---|---|---|
| PLAN IT AND PROSPER LTD→ SC866683 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| RBS COLLECTIVE INVESTMENT FUNDS LIMITED→ SC046694 · est 1969 · no financials extracted | — | — | — | — | 56y | — | — |
| RENTON WEALTH MANAGEMENT LTD→ SC666842 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| SCOTSURE MBI LIMITED→ SC352229 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| SCOTTISH FUTURES TRUST INVESTMENTS LIMITED→ SC381388 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| SCOTTISH WIDOWS' FUND AND LIFE ASSURANCE SOCIETY→ SZ000002 · est 1983 · no financials extracted | — | — | — | — | 43y | — | — |
| SEEDCAMP VI (SCOT) LIMITED→ SC744406 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| SEVEN HILLS FINANCIAL PLANNING LTD→ SC723633 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| SHUTTERFLY INVESTMENTS LIMITED→ SC734733 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| SIS VENTURES LIMITED→ SC576272 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| SLIF PROPERTY INVESTMENT GP LIMITED→ SC388872 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| SOUTH OF SCOTLAND MORTGAGE SERVICES LIMITED→ SC645262 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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
Incorporated2001-12-19
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
91 George Street
Edinburgh
EH2 3ES
Scotland
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-12-28
Last: 2025-12-14
Officers (4 active · 10 resigned)
Active
DEMPSTER, Stuart Alastair→
Activedirector · ~58y · appointed 2004-11-11
View their other companies + combined net worth →
HAY SMITH, Lorna Tracey→
Activedirector · ~56y · appointed 2010-07-01
View their other companies + combined net worth →
KORVIN, Ian Matthew→
Activedirector · ~52y · appointed 2009-08-06
View their other companies + combined net worth →
RALPH, Tamsin Duncan→
Resignedsecretary · appointed 2001-12-19 · resigned 2004-02-19
AMITI, Sergio→
Resigneddirector · ~50y · appointed 2010-07-01 · resigned 2015-01-30
BALFOUR, Michael Warren→
Resigneddirector · ~66y · appointed 2002-12-17 · resigned 2004-08-12
HAYES, Alan John→
Resigneddirector · ~66y · appointed 2009-04-29 · resigned 2009-07-30
MILLER, Robert Douglas→
Resigneddirector · ~61y · appointed 2002-12-17 · resigned 2009-04-29
PHILLIPS, Christopher Richard→
Resigneddirector · ~66y · appointed 2005-04-26 · resigned 2012-05-02
RALPH, Andrew Thomas Stephen→
Resigneddirector · ~58y · appointed 2001-12-19 · resigned 2004-11-08
RALPH, Tamsin Duncan→
Resigneddirector · ~57y · appointed 2004-02-20 · resigned 2005-04-26
THOMSON, John Kearsley→
Resigneddirector · ~76y · appointed 2004-08-20 · resigned 2020-12-31
THOMSON, Stuart Colin→
Resigneddirector · ~63y · appointed 2003-01-02 · resigned 2003-07-14
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 10/01/2003 | 14/02/2014 |
Recent filings (135 total)
accounts-with-accounts-type-full
accounts · AA
2026-03-30
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-16
accounts-with-accounts-type-full
accounts · AA
2025-04-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-17
accounts-with-accounts-type-full
accounts · AA
2024-04-08
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-04-02
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2024-01-31
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-18
capital-cancellation-shares
capital · SH06
2023-10-04
capital-return-purchase-own-shares
capital · SH03
2023-10-04
accounts-with-accounts-type-full
accounts · AA
2023-03-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-15
accounts-with-accounts-type-full
accounts · AA
2022-03-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-20
accounts-with-accounts-type-full
accounts · AA
2021-03-26