EPCG INVESTMENTS LIMITED

🌳Matureactive
SC351028 · ltd · incorporated 2008-11-10
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 · 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
—
year to Sept 2025
Net worth
£-5.8k
book net assets
Opportunity
78/100
Strong
🔔
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 credit granting n.e.c.
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 74909Other professional, scientific and technical activities n.e.c.
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (83/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (3 active, 5 linked, 3 with DOB)
82
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
58 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £5,841

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
-£6k
↑ 11% YoY
Current Assets
£152k
↑ 9275% YoY
Current Liabilities
—
-£7k£25k£57k£89k£120k£152kSept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30
Total assets£149.6k£-1.1k
Current assets£152.2k£1.6k
Net assets£-5.8k£-6.6k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2026-01-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-03-25
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  3. 2024-10-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-02-22
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2023-10-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-10-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-10-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-04-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2021-04-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2021-04-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2021-04-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2021-04-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2021-04-12
    📄
    elect-to-keep-the-directors-register-information-on-the-public-register
    officers · EH01
  14. 2021-04-12
    📄
    elect-to-keep-the-directors-residential-address-register-information-on-the-public-register
    officers · EH02
  15. 2021-04-12
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  16. 2020-10-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2019-10-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2008-11-10
    🏢
    Company incorporated
    As EPCG INVESTMENTS LIMITED
  19. 2008-11-10
    ➕
    HAMILTON, Colin appointed
    secretary
  20. 2008-11-10
    ➕
    HAMILTON, Colin appointed
    director
  21. 2008-11-10
    ➕
    HAMILTON, Yvonne Rhonda appointed
    director
  22. 2008-11-10
    ➕
    BRIAN REID LTD. appointed
    corporate-secretary
  23. 2008-11-10
    ➖
    BRIAN REID LTD. resigned
    corporate-secretary
  24. 2008-11-10
    ➕
    MABBOTT, Stephen George appointed
    director
  25. 2008-11-10
    ➖
    MABBOTT, Stephen George resigned
    director

Owner dependency

91/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 68 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

79/100
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.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 18 years.
  • secondaryStable-but-static management: Company is 18 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 med ·
Name changed recently
medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2025-03-25: certificate-change-of-name-company

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Colin Hamilton
Individual · British · DOB 12/1958 · age 68
75–100%
75–100%board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · firm interest10/11/2016

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

Active · Financial services · G postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
@SIPP LIMITED→
SC217126 · est 2001
£37.09M
£26.97M–£47.20M
£10.21M—620025y8562y
FLEET ALLIANCE LIMITED→
SC235634 · est 2002
£7.49M
£5.45M–£9.53M
———23y8261y
FORWARD ASSET FINANCE LIMITED→
SC337979 · est 2008
£1.02M
£744.7k–£1.30M
——50018y8364y
COMMONWEALTH GAMES (SCOTLAND) ENDOWMENT FUND→
SC301214 · est 2006
£22.3k
£16.2k–£28.3k
——020y8366y
BLAIRSTON ENTERPRISES LIMITED→
SC368750 · est 2009
——£2.38M—16y8372y
CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED→
SC200273 · est 1999 · no financials extracted
————26y8359y
FEMALE INDEPENDENT LTD.→
SC245607 · est 2003
——£20.0k—23y8366y
HARRY SMITH, LIMITED→
SC008622 · est 1913
——£1.66M—113y8358y
MORTGAGE ADVICE BROKERAGE LTD→
SC336489 · est 2008
———150018y8358y
NITRON INVESTMENTS LIMITED→
SC047915 · est 1970
——£431.4k—55y8380y
PENTA CAPITAL INVESTMENTS LIMITED→
SC277543 · est 2004 · no financials extracted
————21y8364y
PEOPLESCHAMPION.COM LIMITED→
SC270602 · est 2004 · no financials extracted
————22y8363y
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
Incorporated2008-11-10
Jurisdictionscotland
Primary SIC64929 — Other credit granting n.e.c.

Registered office

1 Neukfoot Lane
Uplawmoor
Glasgow
G78 4DH
Scotland

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-11-24
Last: 2025-11-10

Officers (3 active · 2 resigned)

HAMILTON, Colin→
secretary · appointed 2008-11-10
View their other companies + combined net worth →
Active
HAMILTON, Colin→
director · ~68y · appointed 2008-11-10
View their other companies + combined net worth →
Active
HAMILTON, Yvonne Rhonda→
director · ~62y · appointed 2008-11-10
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-secretary · appointed 2008-11-10 · resigned 2008-11-10
Resigned
MABBOTT, Stephen George→
director · ~76y · appointed 2008-11-10 · resigned 2008-11-10
Resigned

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

Recent filings (58 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-13
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-25
certificate-change-of-name-company
change-of-name · CERTNM
2025-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-27
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-02-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-20
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-16
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-13
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-01
change-person-director-company-with-change-date
officers · CH01
2021-04-12
change-person-director-company-with-change-date
officers · CH01
2021-04-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-04-12