PAYPLAN (SCOTLAND) LIMITED
🌳Matureactive
SC400113 · ltd · incorporated 2011-05-24
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 3.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 79/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 3.6y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~3.6 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 20/100 — clean.
Data confidence
Overall: medium (60/100)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
17 officers (4 active, 17 linked, 15 with DOB)
88
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
81 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
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
0
filings
Counts from Companies House filing history.
Corporate timeline (53 events)Click to expand
- 2025-10-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-09📄legacyaccounts · PARENT_ACC
- 2025-10-09📄legacyother · GUARANTEE2
- 2025-10-09📄legacyother · AGREEMENT2
- 2025-09-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-09-10🔓Charge satisfied #1
- 2024-12-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-09📄legacyaccounts · PARENT_ACC
- 2024-12-09📄legacyother · GUARANTEE2
- 2024-12-09📄legacyother · AGREEMENT2
- 2024-11-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-10-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-15📄legacyother · GUARANTEE2
- 2022-12-15📄legacyaccounts · PARENT_ACC
- 2022-12-15📄legacyother · AGREEMENT2
- 2022-10-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-09-27🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2022-03-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-25📄legacyaccounts · PARENT_ACC
- 2022-02-22📄legacyother · AGREEMENT2
- 2022-01-19📄legacyother · GUARANTEE2
- 2019-05-03➖KIRK, Andrew John resigneddirector
- 2019-01-25➕KIRK, Andrew John appointeddirector
- 2018-06-14➖RANN, Susan Dawn resigneddirector
- 2016-01-16➖STEWART, Mary Ann resigneddirector
- 2015-03-17➖OLSSON, Alice resigneddirector
- 2015-03-17➖TAYLOR, Andrew Martin resigneddirector
- 2014-12-12➖STRINGER, Dale resigneddirector
- 2014-11-14➖CHICK, Derek Michael resigneddirector
- 2014-11-03➖BOYDEN, Patrick Michael resigneddirector
- 2014-11-03➖JACKMAN, David resigneddirector
- 2014-08-22➕BOYDEN, Patrick Michael appointeddirector
- 2014-08-22➕JACKMAN, David appointeddirector
- 2014-08-22➕STEWART, Mary Ann appointeddirector
- 2014-08-22➕STRINGER, Dale appointeddirector
- 2014-08-22➕TAYLOR, Andrew Martin appointeddirector
- 2014-08-04➕FAIRHURST, John appointeddirector
- 2014-08-04➕PAYNE, Nicholas Timothy appointeddirector
- 2014-08-04➖PAYNE, Louise resignedsecretary
- 2014-08-04➕OLSSON, Alice appointeddirector
- 2014-08-04➖RANN, Gordon Philip Dale resigneddirector
- 2014-08-04➖RANN, Lesley Elizabeth resigneddirector
- 2014-08-04➖TAPSON, Lianne Estelle resigneddirector
- 2014-07-04➕BRIGGS, Halina appointedsecretary
- 2011-05-24🏢Company incorporatedAs PAYPLAN (SCOTLAND) LIMITED
- 2011-05-24➕DUFFEY, Rachel Elizabeth appointeddirector
- 2011-05-24➕PAYNE, Louise appointedsecretary
- 2011-05-24➕CHICK, Derek Michael appointeddirector
- 2011-05-24➕RANN, Gordon Philip Dale appointeddirector
Showing most recent 50 of 53 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
53/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondary12+ year tenure: Director in role 15 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Payplan Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Payplan Limited
Corporate parent · holds 75-100% shares
⬇
PAYPLAN (SCOTLAND) LIMITED
This company · SC400113
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Payplan Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 29/06/2018 |
1 historic (ceased) PSC
- Totemic (2014) Holdings Limitedceased 29/06/2018· 75-100% shares
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 · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| OLIVE HOLDINGS LIMITED→ SC282844 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| PAYEASYPRO LIMITED→ SC669365 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| PEGASUS MORTGAGE LTD→ SC643111 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| PLACES FOR PEOPLE SCOTLAND (GP) LIMITED→ SC451491 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| PLAN IT AND PROSPER LTD→ SC866683 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| PROPERTY LAW CENTRE LIMITED→ SC348791 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| PROSPER SOCIAL FINANCE CIC→ SC588686 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| PRYDIS WEALTH (SCOTLAND) LIMITED→ SC668715 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| QF HOLDINGS LIMITED→ SC500001 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| QUEST CORPORATE FINANCE LIMITED→ SC496181 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| R CORBETT FINANCE LTD→ SC768533 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| R.C.P.D LTD→ SC875802 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2011-05-24
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Level 4,9 Haymarket Square
Edinburgh
EH3 8RY
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-06-06
Last: 2025-05-23
Officers (4 active · 13 resigned)
Active
DUFFEY, Rachel Elizabeth→
Activedirector · ~48y · appointed 2011-05-24
View their other companies + combined net worth →
FAIRHURST, John→
Activedirector · ~61y · appointed 2014-08-04
View their other companies + combined net worth →
PAYNE, Nicholas Timothy→
Activedirector · ~49y · appointed 2014-08-04
View their other companies + combined net worth →
PAYNE, Louise→
Resignedsecretary · appointed 2011-05-24 · resigned 2014-08-04
BOYDEN, Patrick Michael→
Resigneddirector · ~74y · appointed 2014-08-22 · resigned 2014-11-03
CHICK, Derek Michael→
Resigneddirector · ~72y · appointed 2011-05-24 · resigned 2014-11-14
JACKMAN, David→
Resigneddirector · ~66y · appointed 2014-08-22 · resigned 2014-11-03
KIRK, Andrew John→
Resigneddirector · ~45y · appointed 2019-01-25 · resigned 2019-05-03
OLSSON, Alice→
Resigneddirector · ~48y · appointed 2014-08-04 · resigned 2015-03-17
RANN, Gordon Philip Dale→
Resigneddirector · ~76y · appointed 2011-05-24 · resigned 2014-08-04
RANN, Lesley Elizabeth→
Resigneddirector · ~67y · appointed 2011-05-24 · resigned 2014-08-04
RANN, Susan Dawn→
Resigneddirector · ~52y · appointed 2011-05-24 · resigned 2018-06-14
STEWART, Mary Ann→
Resigneddirector · ~62y · appointed 2014-08-22 · resigned 2016-01-16
STRINGER, Dale→
Resigneddirector · ~54y · appointed 2014-08-22 · resigned 2014-12-12
TAPSON, Lianne Estelle→
Resigneddirector · ~60y · appointed 2011-05-24 · resigned 2014-08-04
TAYLOR, Andrew Martin→
Resigneddirector · ~60y · appointed 2014-08-22 · resigned 2015-03-17
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 27/09/2022 | 10/09/2025 |
Recent filings (81 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-09
legacy
accounts · PARENT_ACC
2025-10-09
legacy
other · GUARANTEE2
2025-10-09
legacy
other · AGREEMENT2
2025-10-09
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-09
legacy
accounts · PARENT_ACC
2024-12-09
legacy
other · GUARANTEE2
2024-12-09
legacy
other · AGREEMENT2
2024-12-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-15