PELICAN FINANCE LIMITED

🌳Matureactive
SC521621 · ltd · incorporated 2015-12-02
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
—
year to Feb 2025
Net worth
£178
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle 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: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (72/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
31 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.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £178

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
£178
Current Assets
£71k
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-02-28
Total assets£27.0k
Current assets£70.8k
Net assets£178

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
0
filings
Last 90 days
0
filings
Last 180 days
3
filings
  • • 2 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2026-01-12
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  2. 2025-11-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2025-03-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2025-03-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2025-03-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2025-03-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2024-11-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2023-12-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2022-10-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2022-10-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2022-10-10
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2022-10-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2021-12-24
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2021-09-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2021-05-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2021-02-26
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  17. 2019-05-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2015-12-02
    🏢
    Company incorporated
    As PELICAN FINANCE LIMITED
  19. 2015-12-02
    ➕
    SCOTT, Barbara Marie Teresa appointed
    director
  20. 2015-12-02
    ➕
    SCOTT, John Graham appointed
    director

Owner dependency

79/100
High — earn-out structure required

Material 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 64 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

61/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr John Graham Scott
Individual · British · DOB 02/1962 · age 64
50–75%
50–75%50-75% shares · 50-75% voting01/12/2016

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 →

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SC847676 · est 2025 · no financials extracted
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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
Incorporated2015-12-02
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies

Registered office

13 Linnburn Terrace
Ardrossan
Ayrshire
KA22 8NR
United Kingdom

Filing status

Accounts
Next due: 2026-11-27
Last made up to: 2025-02-28
Confirmation statement
Next due: 2026-12-19
Last: 2025-12-05

Officers (2 active · 0 resigned)

SCOTT, Barbara Marie Teresa→
director · ~47y · appointed 2015-12-02
View their other companies + combined net worth →
Active
SCOTT, John Graham→
director · ~64y · appointed 2015-12-02
View their other companies + combined net worth →
Active

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

Recent filings (31 total)

accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2026-01-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-09
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-27
change-person-director-company-with-change-date
officers · CH01
2025-03-12
change-person-director-company-with-change-date
officers · CH01
2025-03-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-03-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-08
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-08
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-14
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-17
change-person-director-company-with-change-date
officers · CH01
2022-10-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-10