PENTA CAPITAL INVESTMENTS LIMITED

🌳Matureactive
SC277543 · ltd · incorporated 2004-12-17
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 10.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong 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 10.3y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 10.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (61/100)

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
10 officers (4 active, 10 linked, 7 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
28 connected companies via shared directors
90
Filing history
73 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
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
  1. 2025-11-11
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  2. 2024-09-18
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  3. 2023-12-20
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  4. 2022-10-27
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2022-09-15
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  6. 2021-12-13
    📄
    accounts-with-accounts-type-full
    accounts · AA
  7. 2020-12-22
    📄
    accounts-with-accounts-type-full
    accounts · AA
  8. 2019-12-17
    📄
    accounts-with-accounts-type-full
    accounts · AA
  9. 2019-04-15
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2019-04-01
    ➖
    CALDER, David George resigned
    director
  11. 2018-12-05
    📄
    accounts-with-accounts-type-full
    accounts · AA
  12. 2018-10-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  13. 2018-10-31
    🔓
    Charge satisfied #1
  14. 2017-12-06
    📄
    accounts-with-accounts-type-full
    accounts · AA
  15. 2016-12-02
    📄
    accounts-with-accounts-type-full
    accounts · AA
  16. 2016-01-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2016-01-22
    🔒
    Charge registered #1
    Lender: Icg-Longbow Debt Investments No 4 S.A.R.L.
  18. 2013-06-30
    ➖
    PHILLIPS, William Mark resigned
    director
  19. 2008-07-01
    ➖
    ANDERSON, Edward resigned
    director
  20. 2007-10-31
    ➖
    ARMOUR, Malcolm Craig resigned
    director
  21. 2005-09-12
    ➕
    ANDERSON, Edward appointed
    director
  22. 2005-09-12
    ➕
    ARMOUR, Malcolm Craig appointed
    director
  23. 2005-09-12
    ➕
    CALDER, David George appointed
    director
  24. 2005-09-12
    ➕
    PHILLIPS, William Mark appointed
    director
  25. 2005-03-04
    ➕
    CASSIDY, Paul appointed
    secretary
  26. 2005-03-04
    ➕
    CASSIDY, Paul appointed
    director
  27. 2005-03-04
    ➕
    MACNAUGHTON, William Torquil appointed
    director
  28. 2005-03-04
    ➕
    SCOTT, Steven appointed
    director
  29. 2005-03-04
    ➖
    DM COMPANY SERVICES LIMITED resigned
    corporate-nominee-secretary
  30. 2005-03-04
    ➖
    DM DIRECTOR LIMITED resigned
    corporate-nominee-director
  31. 2004-12-17
    🏢
    Company incorporated
    As PENTA CAPITAL INVESTMENTS LIMITED
  32. 2004-12-17
    ➕
    DM COMPANY SERVICES LIMITED appointed
    corporate-nominee-secretary
  33. 2004-12-17
    ➕
    DM DIRECTOR LIMITED appointed
    corporate-nominee-director

Owner dependency

68/100
High — earn-out structure required

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

FACTORS
  • +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

80/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 21 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

Penta Gp Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Penta Gp Holdings Limited
Corporate parent
⬇
PENTA CAPITAL INVESTMENTS LIMITED
This company · SC277543

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
Penta Gp Holdings Limited
Corporate entity
—75–100%75-100% voting06/04/2016

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 →

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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
Incorporated2004-12-17
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

300 Bath Street
1st Floor
Glasgow
G2 4JR
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-27
Last: 2025-12-13

Officers (4 active · 6 resigned)

CASSIDY, Paul→
secretary · appointed 2005-03-04
View their other companies + combined net worth →
Active
CASSIDY, Paul→
director · ~57y · appointed 2005-03-04
View their other companies + combined net worth →
Active
MACNAUGHTON, William Torquil→
director · ~64y · appointed 2005-03-04
View their other companies + combined net worth →
Active
SCOTT, Steven→
director · ~61y · appointed 2005-03-04
View their other companies + combined net worth →
Active
DM COMPANY SERVICES LIMITED→
corporate-nominee-secretary · appointed 2004-12-17 · resigned 2005-03-04
Resigned
ANDERSON, Edward→
director · ~62y · appointed 2005-09-12 · resigned 2008-07-01
Resigned
ARMOUR, Malcolm Craig→
director · ~65y · appointed 2005-09-12 · resigned 2007-10-31
Resigned
CALDER, David George→
director · ~61y · appointed 2005-09-12 · resigned 2019-04-01
Resigned
PHILLIPS, William Mark→
director · ~61y · appointed 2005-09-12 · resigned 2013-06-30
Resigned
DM DIRECTOR LIMITED→
corporate-nominee-director · appointed 2004-12-17 · resigned 2005-03-04
Resigned

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
TypeProperties
satisfied
Icg-Longbow Debt Investments No 4 S.A.R.L.
A registered charge—22/01/201631/10/2018

Recent filings (73 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-22
accounts-with-accounts-type-dormant
accounts · AA
2025-11-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-23
accounts-with-accounts-type-dormant
accounts · AA
2024-09-18
accounts-with-accounts-type-dormant
accounts · AA
2023-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-10-27
accounts-with-accounts-type-dormant
accounts · AA
2022-09-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-20
accounts-with-accounts-type-full
accounts · AA
2021-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-22
accounts-with-accounts-type-full
accounts · AA
2020-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-12-18
accounts-with-accounts-type-full
accounts · AA
2019-12-17