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.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Sept 2025

Net worth

£-5.8k

book net assets

Opportunity

78/100

Strong

🔒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

Lenders & charges

Confirmed no charges registered

Directors & officers

5 officers (3 active, 5 linked, 3 with DOB)

Ownership & PSC

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

Director network

2 connected companies via shared directors

Filing history

58 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

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

—

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
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

filings

Last 90 days

filings

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (25 events)Click to expand

2026-01-13
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-25
✏️
certificate-change-of-name-company
change-of-name · CERTNM
2024-10-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-22
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-10-19
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-05
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-01
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-12
📄
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
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-04-12
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-04-12
📄
elect-to-keep-the-directors-register-information-on-the-public-register
officers · EH01
2021-04-12
📄
elect-to-keep-the-directors-residential-address-register-information-on-the-public-register
officers · EH02
2021-04-12
📄
change-person-secretary-company-with-change-date
officers · CH03
2020-10-08
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-10-09
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2008-11-10
🏢
Company incorporated
As EPCG INVESTMENTS LIMITED
2008-11-10
➕
HAMILTON, Colin appointed
secretary
2008-11-10
➕
HAMILTON, Colin appointed
director
2008-11-10
➕
HAMILTON, Yvonne Rhonda appointed
director
2008-11-10
➕
BRIAN REID LTD. appointed
corporate-secretary
2008-11-10
➖
BRIAN REID LTD. resigned
corporate-secretary
2008-11-10
➕
MABBOTT, Stephen George appointed
director
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 17 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 17 years.
secondaryStable-but-static management: Company is 17 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%

Name	Shares	Voting rights	Nature of control	Notified
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 interest	10/11/2016

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

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
CINNAMON GP4 LIMITED→ SC581651 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
CLYDE BERGEMANN POWER GROUP INTERNATIONAL LIMITED→ SC188877 · est 1998 · no financials extracted	—	—	—	—	27y	—	—
DGL (GLASGOW) LTD→ SC338543 · est 2008 · no financials extracted	—	—	—	—	18y	—	—
ELIO MACLEAN LIMITED→ SC781112 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ENVOY RS LTD→ SC817881 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ESR EUROPE LSPIM DEVCO LIMITED→ SC769999 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
EURO CREDIT & CAPITAL LTD→ SC858018 · est 2025 · no financials extracted	—	—	—	—	—	—	—
EVALEE INSURANCE BROKERS LTD→ SC571109 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
EVAN DUNN FINANCIAL SERVICES LTD→ SC717487 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
EVANS MORTGAGE SOLUTIONS LIMITED→ SC678336 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
EVERNEST PROPERTIES LIMITED→ SC864964 · est 2025 · no financials extracted	—	—	—	—	—	—	—
EVOLVE TRADING INVESTMENTS LTD→ SC688703 · est 2021 · no financials extracted	—	—	—	—	5y	—	—

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