TESCO PERSONAL FINANCE COMPARE LIMITED

⚰️Wound downdissolved

SC318925 · ltd · incorporated 2007-03-19

Investment thesis

Company dissolved — not a live target.

Why interesting: Historical record only; useful for precedent research.

Why risky: Not transactable.

Why now

Window steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

What changed my view

Last 30 days

No material changes in the last 30 days.

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

—

not disclosed

Net worth

—

book net assets

Opportunity

43/100

Watch

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed unclear — structural issues outweigh the discount.

Opportunity 43/100 (watch), bankability 30/100. Strong seller-intent signal (78/100, director aged 68). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: share sale to pe / searcher (38/100). Current lenders should be on immediate intervention.

Data confidence

Overall: low (48/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

Confirmed no charges registered

Directors & officers

26 officers (2 active, 26 linked, 22 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

1 connected companies via shared directors

Filing history

89 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

43/100Watch

PassWatchWorth a lookStrongExceptional

Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.

Business quality

Concerning — overdue filings or status flags present.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Multiple red flags — proceed with caution.

Signal strength

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (77 events)Click to expand

2017-04-17
⚠️
gazette-dissolved-liquidation
gazette · GAZ2
2017-04-17
🏁
Company dissolved
2017-01-16
⚠️
liquidation-voluntary-return-of-final-meeting-scotland
insolvency · 4.26(Scot)
2016-12-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2016-10-03
➖
BOLE, Peter Douglas resigned
director
2015-09-01
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2015-09-01
📄
resolution
resolution · RESOLUTIONS
2015-07-24
📄
miscellaneous
miscellaneous · MISC
2015-07-10
📄
auditors-resignation-company
auditors · AUD
2015-03-19
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-06-25
📄
accounts-with-accounts-type-full
accounts · AA
2014-05-13
➕
MUSTARD, Michael William appointed
secretary
2014-05-13
➖
LLOYD, Jonathan Mark resigned
secretary
2014-05-13
📄
termination-secretary-company-with-name
officers · TM02
2014-05-13
📄
appoint-person-secretary-company-with-name
officers · AP03
2014-03-21
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2013-06-05
📄
accounts-with-accounts-type-full
accounts · AA
2013-03-19
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2012-10-09
📄
capital-allotment-shares
capital · SH01
2012-06-19
📄
accounts-with-accounts-type-full
accounts · AA
2012-04-20
📄
capital-allotment-shares
capital · SH01
2012-03-19
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2011-10-04
📄
termination-director-company-with-name
officers · TM01
2011-10-04
📄
termination-director-company-with-name
officers · TM01
2011-10-04
📄
appoint-person-director-company-with-name
officers · AP01
2011-10-04
📄
termination-director-company-with-name
officers · TM01
2011-10-04
📄
termination-director-company-with-name
officers · TM01
2011-10-04
📄
termination-director-company-with-name
officers · TM01
2011-10-04
📄
termination-director-company-with-name
officers · TM01
2011-09-23
➕
BOLE, Peter Douglas appointed
director
2011-09-23
➖
DOHERTY, Shaun Edward resigned
director
2011-09-23
➖
HIGGINS, Bernard resigned
director
2011-09-23
➖
HIGGINSON, Andrew Thomas resigned
director
2011-09-23
➖
HILL, Adrian Richard resigned
director
2011-09-23
➖
PIERCE, Raymond Francis resigned
director
2011-09-23
➖
PIMLOTT, Graham Fenwick resigned
director
2011-06-24
➖
MAIN, William Hill resigned
director
2011-01-28
➖
WADE-GERY, Laura Katharine resigned
director
2010-12-17
➖
HORNER, Alison resigned
director
2009-08-28
➖
ROWE, Paulette Georgina resigned
director
2009-05-29
➕
HORNER, Alison appointed
director
2009-04-24
➕
PIERCE, Raymond Francis appointed
director
2009-01-30
➕
MAIN, William Hill appointed
director
2008-12-19
➕
CLINK, Iain appointed
director
2008-12-19
➕
LLOYD, Jonathan Mark appointed
secretary
2008-12-19
➖
MILLS, Alan Ewing resigned
secretary
2008-12-19
➖
BULLOCH, Robert James Mackenzie resigned
director
2008-12-19
➕
DOHERTY, Shaun Edward appointed
director
2008-12-19
➕
HILL, Adrian Richard appointed
director
2008-12-19
➖
PELL, Gordon Francis resigned
director

Showing most recent 50 of 77 events

Owner dependency

100/100

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

+Sole director: Only one active director — all governance concentrated on one person.
+Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

83/100

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 68. Approaching typical UK retirement age — succession thinking likely.
primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
secondary12+ year tenure: Director in role 17 years.
secondaryStable-but-static management: Company is 19 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

3 high ·

Accounts overdue

high

Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.

Evidence: Next due: 2015-11-30

Company dissolved

high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2017-04-17

2 insolvency-related filings on record

high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2017-04-17: gazette-dissolved-liquidation; 2017-01-16: liquidation-voluntary-return-of-final-meeting-scotland

🔒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 · EH postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AMATI GLOBAL INVESTORS LIMITED→ SC199908 · est 1999	£8.90M £6.47M–£11.33M	—	—	2800	26y	84	66y
CS MANAGERS LTD→ SC231678 · est 2002	£1.50M £1.09M–£1.91M	—	—	1200	24y	86	77y
GBCP VII (GENERAL PARTNER) LIMITED→ SC253395 · est 2003 · no financials extracted	—	—	—	—	22y	83	62y
NOBLE GROSSART LIMITED→ SC046265 · est 1969 · no financials extracted	—	—	—	—	57y	83	72y
PREMIER COMMERCIAL LIMITED→ SC160330 · est 1995	—	—	£282.5k	—	30y	83	61y
RIA CAPITAL MARKETS LIMITED→ SC226461 · est 2001 · no financials extracted	—	—	—	—	24y	83	58y
SCOTIA WEALTH MANAGEMENT LTD.→ SC267795 · est 2004	—	—	—	1300	22y	83	58y
ALAN STEEL (ASSET MANAGEMENT) LIMITED→ SC058014 · est 1975	—	—	—	44	50y	82	62y
ALEX HAMMOND-CHAMBERS & COMPANY→ SC126819 · est 1990 · no financials extracted	—	—	—	—	35y	82	84y
BANDRON LIMITED→ SC082385 · est 1983	—	—	—	400	43y	82	71y
FAMILY & BUSINESS ASSURANCE (SERVICES) LIMITED→ SC347357 · est 2008	—	—	£50.9k	—	17y	82	67y
HAMILTON DALRYMPLE TRUST COMPANY.→ SC017910 · est 1934 · no financials extracted	—	—	—	—	92y	82	71y

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

13 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

Statusdissolved

Typeltd

Incorporated2007-03-19

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Kpmg Llp Saltire Court

20 Castle Terrace

Edinburgh

EH1 2EG

Scotland

Filing status

Accounts

Next due: 2015-11-30OVERDUE

Last made up to: 2014-02-28

Confirmation statement

Next due: —

Last: —

Officers (0 active · 24 resigned)

MUSTARD, Michael William→

secretary · appointed 2014-05-13

View their other companies + combined net worth →

Active

CLINK, Iain→

director · ~68y · appointed 2008-12-19

View their other companies + combined net worth →

Active

LLOYD, Jonathan Mark→

secretary · appointed 2008-12-19 · resigned 2014-05-13

Resigned

MILLS, Alan Ewing→

secretary · appointed 2007-06-12 · resigned 2008-12-19

Resigned

WOOD, Yvonne→

secretary · appointed 2007-03-19 · resigned 2007-06-12

Resigned

ASHDOWN, Timothy Robert→

director · ~62y · appointed 2007-06-12 · resigned 2008-07-23

Resigned

BOLE, Peter Douglas→

director · ~57y · appointed 2011-09-23 · resigned 2016-10-03

Resigned

BULLOCH, Robert James Mackenzie→

director · ~65y · appointed 2007-06-12 · resigned 2008-12-19

Resigned

CAMPBELL, Hew→

director · ~64y · appointed 2007-03-19 · resigned 2007-06-12

Resigned

CLINK, Iain→

director · ~68y · appointed 2007-06-12 · resigned 2008-07-31

Resigned

DOHERTY, Shaun Edward→

director · ~68y · appointed 2008-12-19 · resigned 2011-09-23

Resigned

HIGGINS, Bernard→

director · ~66y · appointed 2008-08-29 · resigned 2011-09-23

Resigned

HIGGINSON, Andrew Thomas→

director · ~69y · appointed 2007-06-12 · resigned 2011-09-23

Resigned

HILL, Adrian Richard→

director · ~68y · appointed 2008-12-19 · resigned 2011-09-23

Resigned

HORNER, Alison→

director · ~60y · appointed 2009-05-29 · resigned 2010-12-17

Resigned

MAIN, William Hill→

director · ~83y · appointed 2009-01-30 · resigned 2011-06-24

Resigned

MCKEAN, Alan Wallace→

director · ~72y · appointed 2007-03-19 · resigned 2007-06-12

Resigned

MCLUSKIE, Norman Cardie→

director · ~82y · appointed 2007-06-12 · resigned 2007-11-30

Resigned

MELBOURN, John William→

director · ~89y · appointed 2007-06-12 · resigned 2008-03-31

Resigned

MILLS, Alan Ewing→

director · ~69y · appointed 2007-03-19 · resigned 2007-06-12

Resigned

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

Recent filings (89 total)

gazette-dissolved-liquidation

gazette · GAZ2

2017-04-17

liquidation-voluntary-return-of-final-meeting-scotland

insolvency · 4.26(Scot)

2017-01-16

termination-director-company-with-name-termination-date

officers · TM01

2016-12-02

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2015-09-01

resolution

resolution · RESOLUTIONS

2015-09-01

miscellaneous

miscellaneous · MISC

2015-07-24

auditors-resignation-company

auditors · AUD

2015-07-10

annual-return-company-with-made-up-date-full-list-shareholders

annual-return · AR01

2015-03-19

accounts-with-accounts-type-full

accounts · AA

2014-06-25

termination-secretary-company-with-name

officers · TM02

2014-05-13

appoint-person-secretary-company-with-name

officers · AP03

2014-05-13

annual-return-company-with-made-up-date-full-list-shareholders

annual-return · AR01

2014-03-21

accounts-with-accounts-type-full

accounts · AA

2013-06-05

annual-return-company-with-made-up-date-full-list-shareholders

annual-return · AR01

2013-03-19

capital-allotment-shares

capital · SH01

2012-10-09