PENTA 2013 SP LIMITED
🌳Matureactive
SC455660 · ltd · incorporated 2013-07-30
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒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 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (58/100)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
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
10 connected companies via shared directors
75
Filing history
44 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
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2025-11-11📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-09-18📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-09-18📄legacyaccounts · PARENT_ACC
- 2024-09-18📄legacyother · AGREEMENT2
- 2024-09-18📄legacyother · GUARANTEE2
- 2024-09-04➕SCOTT, Steven appointeddirector
- 2024-09-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-20📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2023-12-20📄legacyaccounts · PARENT_ACC
- 2023-12-20📄legacyother · AGREEMENT2
- 2023-12-20📄legacyother · GUARANTEE2
- 2022-10-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-15📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-12-22📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2021-12-22📄legacyaccounts · PARENT_ACC
- 2021-12-22📄legacyother · AGREEMENT2
- 2021-12-22📄legacyother · GUARANTEE2
- 2021-02-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-12-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2013-10-10➕CASSIDY, Paul appointedsecretary
- 2013-10-10➕CASSIDY, Paul appointeddirector
- 2013-10-10➖DM COMPANY SERVICES LIMITED resignedcorporate-secretary
- 2013-10-10➖GILCHRIST, Ewan Caldwell resigneddirector
- 2013-07-30🏢Company incorporatedAs PENTA 2013 SP LIMITED
- 2013-07-30➕DM COMPANY SERVICES LIMITED appointedcorporate-secretary
- 2013-07-30➕GILCHRIST, Ewan Caldwell appointeddirector
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 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
Penta Gp Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Penta Gp Holdings Limited
Corporate parent · holds 75-100% shares
⬇
PENTA 2013 SP LIMITED
This company · SC455660
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 |
|---|---|---|---|---|
Penta Gp Holdings Limited Corporate entity | 75–100% | — | 75-100% shares | 06/04/2016 |
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 |
|---|---|---|---|---|---|---|---|
| PENTA CO-INVEST GP LIMITED→ SC340002 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| PMG MORTGAGE SERVICES LTD→ SC705337 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| POSITIVE WEALTH LIMITED→ SC777699 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| PRESTIGE MORTGAGE SOLUTIONS LTD→ SC607222 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| PRIMROSE HEIRS UK LTD→ SC819812 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| QEHWAN SECURITY SERVICE LIMITED→ SC833398 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| RANDOLPH THOM LTD→ SC784484 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| REAL FINANCE SCOTLAND LIMITED→ SC768890 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| RECORE HOMES UK LIMITED→ SC734767 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| RIVERPARK INVESTMENT & FINANCIAL CONSULTANTS LTD.→ SC220303 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| RLM FINANCIAL SOLUTIONS LTD→ SC770884 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ROSEMOUNT MORTGAGE SERVICES LIMITED→ SC524263 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
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
Incorporated2013-07-30
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
300 Bath Street
1st Floor
Glasgow
G2 4JR
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-13
Last: 2025-07-30
Officers (3 active · 2 resigned)
Active
CASSIDY, Paul→
Activedirector · ~57y · appointed 2013-10-10
View their other companies + combined net worth →
SCOTT, Steven→
Activedirector · ~61y · appointed 2024-09-04
View their other companies + combined net worth →
DM COMPANY SERVICES LIMITED→
Resignedcorporate-secretary · appointed 2013-07-30 · resigned 2013-10-10
GILCHRIST, Ewan Caldwell→
Resigneddirector · ~57y · appointed 2013-07-30 · resigned 2013-10-10
Click a director name to see their full track record across all companies.
Recent filings (44 total)
accounts-with-accounts-type-dormant
accounts · AA
2025-11-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-13
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-09-18
legacy
accounts · PARENT_ACC
2024-09-18
legacy
other · AGREEMENT2
2024-09-18
legacy
other · GUARANTEE2
2024-09-18
appoint-person-director-company-with-name-date
officers · AP01
2024-09-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-12
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2023-12-20
legacy
accounts · PARENT_ACC
2023-12-20
legacy
other · AGREEMENT2
2023-12-20
legacy
other · GUARANTEE2
2023-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-04
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-10-27
accounts-with-accounts-type-dormant
accounts · AA
2022-09-15