ERIPSA LIMITED
💤Zombieactive
SC631768 · ltd · incorporated 2019-05-29
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
What changed my view
Last 30 days
No material changes in the last 30 days.
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 2024
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
Investor take
PursueProperty-backed borrower with a 66-year-old founder — textbook succession opportunity.
Opportunity 74/100 (strong), bankability 57/100. Strong seller-intent signal (60/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
13 live charges · 6 lenders · oldest 4.6y
5/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.6 years — mid-life; refi window approaching.
- · 6 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
13 charges (13/13 with lender, 13/13 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
35 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 3 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
- 2025-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-03-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-16🔒Charge registered #13Lender: Aldermore Bank PLC
- 2024-01-16🔒Charge registered #12Lender: Aldermore Bank PLC
- 2024-01-16🔒Charge registered #11Lender: Aldermore Bank PLC
- 2024-01-16🔒Charge registered #10Lender: Aldermore Bank PLC
- 2024-01-16🔒Charge registered #9Lender: Aldermore Bank PLC
- 2024-01-16🔒Charge registered #8Lender: Aldermore Bank PLC
- 2024-01-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-10🔓Charge satisfied #2
- 2024-01-05📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-04-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-01-26🔒Charge registered #7Lender: Paragon Bank PLC
- 2022-11-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-23🔒Charge registered #6Lender: Together Commercial Finance LTD
- 2022-05-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-04-26🔒Charge registered #5Lender: Shawbrook Bank Limited
- 2022-04-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-04-12🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2022-03-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-09🔒Charge registered #3Lender: Paragon Bank PLC
- 2021-11-04🔒Charge registered #2Lender: Lendinvest Btl Limited
- 2021-11-03🔒Charge registered #1Lender: Lendinvest Btl Limited
- 2019-05-29🏢Company incorporatedAs ERIPSA LIMITED
- 2019-05-29➕MCCAFFREY, Edward appointeddirector
Owner dependency
95/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
65/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 low12 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Eripsa Group Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Eripsa Group Ltd
Corporate parent · holds 75-100% shares · board control
⬇
ERIPSA LIMITED
This company · SC631768
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 |
|---|---|---|---|---|
Eripsa Group Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 20/03/2024 |
1 historic (ceased) PSC
- Mr Edward Mccaffreyceased 20/03/2024· 75-100% shares · 75-100% voting
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 · Property · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| FREEPORT SCOTLAND LIMITED→ SC087372 · est 1984 | £2.26M £1.92M–£2.60M | — | £2.26M | — | 42y | 83 | 65y |
| ROBB DONALD & CO. LIMITED→ SC109886 · est 1988 | £1.67M £1.42M–£1.92M | — | £1.67M | — | 38y | 83 | 76y |
| DOONBANK INVESTMENTS LIMITED→ SC089875 · est 1984 | £1.61M £1.37M–£1.85M | — | £1.61M | — | 41y | 83 | 69y |
| BUILDWAYS LIMITED→ SC035627 · est 1960 | £652.9k £555.0k–£750.9k | — | £652.9k | — | 65y | 82 | 72y |
| DAEDALUS PROPERTIES LIMITED→ SC222335 · est 2001 | £637.0k £541.5k–£732.6k | — | £637.0k | — | 24y | 82 | 67y |
| DS PROPERTY MANAGEMENT LIMITED→ SC372145 · est 2010 | £234.1k £199.0k–£269.2k | — | £234.1k | — | 16y | 83 | 61y |
| AYRSHIRE PROPERTY MANAGEMENT LTD.→ SC387933 · est 2010 | £202.4k £172.0k–£232.8k | — | £202.4k | — | 15y | 82 | 69y |
| DABART LIMITED→ SC169972 · est 1996 | £198.2k £168.5k–£227.9k | — | £198.2k | — | 29y | 82 | 79y |
| CITY TYRES & EXHAUSTS LIMITED→ SC186944 · est 1998 | £193.0k £164.0k–£221.9k | — | £193.0k | — | 27y | 82 | 80y |
| MCG PROPERTIES LIMITED→ SC297086 · est 2006 | £111.8k £95.0k–£128.6k | — | £111.8k | — | 20y | 83 | 71y |
| J G D PROPERTIES LIMITED→ SC254693 · est 2003 | £97.6k £82.9k–£112.2k | — | £97.6k | — | 22y | 82 | 77y |
| CROSSING PROPERTIES LTD.→ SC170722 · est 1996 | £83.5k £71.0k–£96.0k | — | £83.5k | — | 29y | 82 | 78y |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2019-05-29
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
Eldo House
Monkton Road
Prestwick
KA9 2PB
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-04-03
Last: 2026-03-20
Officers (1 active · 0 resigned)
MCCAFFREY, Edward→
Activedirector · ~66y · appointed 2019-05-29
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
13
Total charges
12
Outstanding
5
Active lenders
Status:Lender:13 of 13 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 16/01/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 16/01/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 16/01/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 2 properties | 16/01/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 16/01/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 2 properties | 16/01/2024 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 26/01/2023 | — | |
| outstanding | Together Money Together Commercial Finance LTD | A registered charge | 1 property | 23/11/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 26/04/2022 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 12/04/2022 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 09/12/2021 | — | |
| satisfied | LendInvest Lendinvest Btl Limited | A registered charge | 6 properties | 04/11/2021 | 10/01/2024 | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 03/11/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (35 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-27
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-03-21
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-23
mortgage-satisfy-charge-full
mortgage · MR04
2024-01-10
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-01-05