ONE INGRAM FINANCE LTD

🏛️Establishedactive
SC555330 · ltd · incorporated 2017-01-23
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 6.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
73/100
Strong
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 73/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

1 live charge · oldest 6.3y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 6.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
24 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Average employees2200

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
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2025-12-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-03-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-02-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-02-13
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2024-02-13
    🔓
    Charge satisfied #1
  6. 2023-03-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-03-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-03-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2020-03-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2020-01-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2020-01-11
    🔒
    Charge registered #1
    Lender: Together Commercial Finance Limited
  12. 2019-12-31
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  13. 2018-10-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2018-10-11
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  15. 2018-02-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  16. 2018-02-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2017-01-23
    🏢
    Company incorporated
    As ONE INGRAM FINANCE LTD
  18. 2017-01-23
    ➕
    INGRAM, Campbell appointed
    director
  19. 2017-01-23
    ➕
    INGRAM, Nicola Marion appointed
    director
  20. 2017-01-23
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

86/100
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.
  • +Founder name in company name: Company name contains director surname "INGRAM" — strong identity link between founder and business.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Campbell Ingram
Individual · British · DOB 06/1986 · age 40
50–75%
50–75%50-75% shares · 50-75% voting23/01/2017
Mrs Nicola Marion Ingram
Individual · British · DOB 03/1982 · age 44
25–50%
25–50%25-50% shares · 25-50% voting23/01/2017

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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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
Incorporated2017-01-23
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

1 Simonsburn Road
Kilmarnock
Ayrshire
KA1 5LA
United Kingdom

Filing status

Accounts
Next due: 2026-12-30
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-05
Last: 2026-01-22

Officers (2 active · 0 resigned)

INGRAM, Campbell→
director · ~40y · appointed 2017-01-23
View their other companies + combined net worth →
Active
INGRAM, Nicola Marion→
director · ~44y · appointed 2017-01-23
View their other companies + combined net worth →
Active

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
TypeProperties
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property11/01/202013/02/2024

Recent filings (24 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-28
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-02-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-05
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-24
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-25
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-27
accounts-with-accounts-type-micro-entity
accounts · AA
2020-03-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-27