COMCARDE LIMITED

🌳Matureactive

SC454090 · ltd · incorporated 2013-07-09

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.

Why now

Window opening · medium confidence

More negotiable than before — 1 signals weakening over the last 30 days.

· Hygiene score: 90 → 85

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

What changed my view

Last 30 days

Picture worsened over the last 30 days — 1 negative signal vs 0 positive.

↓Hygiene score: 90 → 85

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 Dec 2023

Net worth

—

book net assets

Opportunity

78/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Likely develops bespoke software solutions and provides IT services for business and consumer clients, with recent share allotments and director changes suggesting active growth or restructuring of what appears to be an operational technology company, possibly with a payments or card-related focus given its name.

Primary activity: Business and domestic software development

Sector: Information & communication

ALSO REGISTERED FOR

62090Other information technology service activities

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (75/100)

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

1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

22 officers (6 active, 22 linked, 20 with DOB)

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

14 connected companies via shared directors

Filing history

102 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.

Key financials

1 year extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Financials

Extracted from Companies House accounts · FRS 102

Metric	2023-12-31
Average employees	5600

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

🔒Filing-note intelligence

1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

Recent activity

Last 30 days

filings

• 2 capital
• 2 officers
• 1 persons-with-significant-control

Last 90 days

filings

• 2 capital
• 2 officers
• 1 persons-with-significant-control

Last 180 days

filings

• 3 capital
• 3 officers
• 1 persons-with-significant-control

Counts from Companies House filing history.

Corporate timeline (59 events)Click to expand

2026-05-15
📄
capital-allotment-shares
capital · SH01
2026-05-08
📄
capital-name-of-class-of-shares
capital · SH08
2026-05-07
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2026-05-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-05-07
📄
resolution
resolution · RESOLUTIONS
2026-05-07
📄
memorandum-articles
incorporation · MA
2026-05-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-04-23
➕
KLEINER, Jake appointed
director
2026-04-23
➖
MACKINTOSH, Iain Stewart resigned
director
2026-02-11
📄
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2026-01-25
📄
capital-allotment-shares
capital · SH01
2025-05-08
📄
accounts-with-accounts-type-full
accounts · AA
2024-04-25
📄
accounts-with-accounts-type-small
accounts · AA
2024-01-05
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2023-12-22
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-12-13
➖
GLOAG, Ann Heron, Dame resigned
director
2023-12-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-04-18
📄
accounts-with-accounts-type-small
accounts · AA
2022-05-03
📄
capital-allotment-shares
capital · SH01
2022-04-07
📄
accounts-with-accounts-type-small
accounts · AA
2022-02-24
📄
capital-allotment-shares
capital · SH01
2021-12-14
➕
GILLAN, Thomas James appointed
secretary
2021-12-14
➖
FRASER, Rupert James resigned
secretary
2021-12-14
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2021-12-14
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2021-07-20
➕
GILLAN, Thomas James appointed
director
2019-06-05
➖
OSBORN, Peter Gordon resigned
director
2019-04-03
➕
REEVES, David Alan appointed
director
2019-04-03
➕
GLOAG, Ann Heron, Dame appointed
director
2019-04-03
➖
MACNAMARA, Jamie resigned
director
2018-06-01
➖
MATHEWS, Thomas Peter resigned
director
2018-03-01
➕
COBURN, Brian James appointed
director
2017-08-17
➕
OSBORN, Peter Gordon appointed
director
2017-08-11
➕
BRADLEY, Pauline Anne appointed
director
2017-08-11
➖
GOODMAN, James Martin resigned
director
2017-08-11
➖
HALL, Michael Edward resigned
director
2017-08-11
➖
JONES, Neira Sophie resigned
director
2017-08-11
➕
MACKINTOSH, Iain Stewart appointed
director
2017-08-11
➕
MACNAMARA, Jamie appointed
director
2016-10-19
➕
HALL, Michael Edward appointed
director
2016-10-06
➖
BRADLEY, Pauline Anne resigned
director
2016-10-06
➖
GLOAG, Ann Heron resigned
director
2015-05-19
➕
BRADLEY, Pauline Anne appointed
director
2015-05-19
➖
FRASER, Rupert James resigned
director
2015-05-19
➕
GLOAG, Ann Heron appointed
director
2015-01-22
➕
MATHEWS, Thomas Peter appointed
director
2014-10-15
➖
FRASER, Christopher James resigned
director
2014-10-15
➖
GIBBS, Aiden Joseph Merry resigned
director
2014-10-15
➖
MONCREIFFE, Ossian Peregrine Thomas Gerald resigned
director
2014-10-15
➖
WOTHERSPOON, Jonathan Lawrence Edwards resigned
director

Showing most recent 50 of 59 events

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 79 — succession pressure is live.

Succession & seller-readiness

60/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.

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

Monarch Technology Investments Limited holds majority control (50-75%). Likely parent but not wholly-owned.

🏛️

Monarch Technology Investments Limited

Corporate parent · holds 50-75% shares

majority

⬇

COMCARDE LIMITED

This company · SC454090

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Monarch Technology Investments Limited Corporate entity	50–75%	50–75%	50-75% shares · 50-75% voting	22/12/2023

2 historic (ceased) PSCs

Highland & Universal Investments Limitedceased 22/12/2023· 75-100% shares · 75-100% voting · board control
Mr James Martin Goodmanceased 11/08/2017· 25-50% voting · board control

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 · Technology · EH postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
SEEBYTE LIMITED→ SC194014 · est 1999	£6.84M £4.88M–£8.79M	£10.82M	—	8800	27y	92	61y
CANONGATE BOOKS LIMITED→ SC152259 · est 1994	£6.02M £4.30M–£7.74M	—	—	64	31y	85	65y
EXTRAORDINARY MANAGED SERVICES LIMITED→ SC214448 · est 2001 · no financials extracted	—	—	—	—	25y	83	58y
INFOGISTICS LIMITED→ SC208321 · est 2000	—	—	—	700	25y	83	60y
INTELLIGENT MOBILE LIMITED→ SC266060 · est 2004	—	—	—	—	22y	83	66y
MICROSYS SOLUTIONS LIMITED→ SC185715 · est 1998	—	—	£140.2k	—	28y	83	59y
NDI TECHNOLOGIES LTD.→ SC173002 · est 1997 · no financials extracted	—	—	—	—	29y	83	93y
NETWORK ROI LTD→ SC299422 · est 2006	—	—	£161.9k	—	20y	83	71y
NILE HQ LTD→ SC306908 · est 2006	—	—	—	40	19y	83	63y
NW SECURITY GROUP LIMITED→ SC177283 · est 1997	—	—	£742.8k	—	28y	83	69y
OCCUPANCY MARKETING LIMITED→ SC360835 · est 2009	—	—	£2.10M	—	16y	83	60y
OPTIMISE HOLDINGS LIMITED→ SC291827 · est 2005	—	—	—	300	20y	83	63y

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

Incorporated2013-07-09

Jurisdictionscotland

Primary SIC62012 — Business and domestic software development

Registered office

56 George Street

Edinburgh

EH2 2LR

United Kingdom

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-01-05

Last: 2025-12-22