I C LOANS LIMITED

🌳Matureactive

SC254258 · ltd · incorporated 2003-08-14

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.

Why now

Window steady · medium confidence

Mixed signals — 2 changes over 30 days, no clear direction yet.

· Deal-killer verdict: complicated → workable
· Refinance opportunity: clean_up_first → under_pressure

What changed my view

Last 30 days

Mixed signals in the last 30 days — 1 improved, 1 worsened.

↑Deal-killer verdict: complicated → workable
↓Refinance opportunity: clean_up_first → under_pressure

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

—

year to Sept 2025

Net worth

£1.41M

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 72-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 72). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -44% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 22.0y

45/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Oldest live charge is 22.0 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (88/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

3 years of iXBRL accounts extracted + narrative notes parsed

Lenders & charges

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

Directors & officers

11 officers (6 active, 11 linked, 8 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

10 connected companies via shared directors

Filing history

85 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £1,406,382

Net assets shrinking

Down £37,526 YoY

Cash draining

Cash down 44% YoY

Cash YoY

-44%

Year on year

Key financials

3 years extracted from filed iXBRL accounts

Cash

£79k

↓ 44% YoY

Net Worth

£1.4m

↓ 2.6% YoY

Current Assets

£1.9m

~ YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-09-30	2024-09-30	2023-09-30
Total assets	£1.41M	£1.47M	£1.51M
Current assets	£1.91M	£1.91M	£1.92M
Cash	£79.0k	£140.7k	£151.0k
Debtors	£1.83M	£1.77M	£1.77M
Net assets	£1.41M	£1.44M	£1.47M

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

filing

• 1 accounts

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (35 events)Click to expand

2026-06-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-19
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-01-19
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-26
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-09-26
📄
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2025-09-25
📄
notification-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC08
2025-08-19
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-06-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-05
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-09
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-13
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-06
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-06-09
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-07
📄
change-person-director-company-with-change-date
officers · CH01
2020-05-06
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-03-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-06-26
📄
change-person-director-company-with-change-date
officers · CH01
2013-08-20
➖
BERKLEY, Maxwell resigned
director
2008-07-29
➖
BERKLEY, Michael resigned
director
2008-07-14
➖
BERKLEY, Alan Richard resigned
director
2008-03-26
➕
BERKLEY, Colin Noah appointed
director
2008-03-26
➕
BERKLEY, Daniel appointed
director
2008-03-26
➕
BERKLEY, Katy Ann appointed
director
2008-03-26
➕
BERKLEY, Simon Leon appointed
director
2004-07-27
🔒
Charge registered #1
Lender: Clydesdale Bank Public Limited Company
2004-02-03
➕
BERKLEY, Alan Richard appointed
director
2003-08-14
🏢
Company incorporated
As I C LOANS LIMITED
2003-08-14
➕
BERKLEY, Adam Nathan appointed
secretary
2003-08-14
➕
BERKLEY, Adam Nathan appointed
director
2003-08-14
➕
BRIAN REID LTD. appointed
corporate-nominee-secretary
2003-08-14
➖
BRIAN REID LTD. resigned
corporate-nominee-secretary
2003-08-14
➕
BERKLEY, Maxwell appointed
director
2003-08-14
➕
BERKLEY, Michael appointed
director
2003-08-14
➕
STEPHEN MABBOTT LTD. appointed
corporate-nominee-director
2003-08-14
➖
STEPHEN MABBOTT LTD. resigned
corporate-nominee-director

Owner dependency

73/100

High — earn-out structure required

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

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 72 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100

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 72 years old. Natural succession window is now.
primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 23 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 low

Multiple registered office changes

low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr Simon Berkley Individual · British · DOB 10/1982 · age 44	—	—	sig. influencesignificant influence	14/08/2025

1 historic (ceased) PSC

Mr Adam Nathan Berkleyceased 01/07/2025· 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 →

Similar companies

Active · Financial services · G postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
@SIPP LIMITED→ SC217126 · est 2001	£37.09M £26.97M–£47.20M	£10.21M	—	6200	25y	85	62y
FLEET ALLIANCE LIMITED→ SC235634 · est 2002	£7.49M £5.45M–£9.53M	—	—	—	23y	82	61y
FORWARD ASSET FINANCE LIMITED→ SC337979 · est 2008	£1.02M £744.7k–£1.30M	—	—	500	18y	83	64y
COMMONWEALTH GAMES (SCOTLAND) ENDOWMENT FUND→ SC301214 · est 2006	£22.3k £16.2k–£28.3k	—	—	0	20y	83	66y
BLAIRSTON ENTERPRISES LIMITED→ SC368750 · est 2009	—	—	£2.38M	—	16y	83	72y
CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED→ SC200273 · est 1999 · no financials extracted	—	—	—	—	26y	83	59y
FEMALE INDEPENDENT LTD.→ SC245607 · est 2003	—	—	£20.0k	—	23y	83	66y
HARRY SMITH, LIMITED→ SC008622 · est 1913	—	—	£1.66M	—	113y	83	58y
MORTGAGE ADVICE BROKERAGE LTD→ SC336489 · est 2008	—	—	—	1500	18y	83	58y
NITRON INVESTMENTS LIMITED→ SC047915 · est 1970	—	—	£431.4k	—	55y	83	80y
PENTA CAPITAL INVESTMENTS LIMITED→ SC277543 · est 2004 · no financials extracted	—	—	—	—	21y	83	64y
PEOPLESCHAMPION.COM LIMITED→ SC270602 · est 2004 · no financials extracted	—	—	—	—	21y	83	63y

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

Incorporated2003-08-14

Jurisdictionscotland

Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

Allan House

Bothwell Street

Glasgow

G2 6NL

Scotland

Filing status

Accounts

Next due: 2027-06-30

Last made up to: 2025-09-30

Confirmation statement

Next due: 2026-08-28

Last: 2025-08-14