INVEST RETIRE PROTECT LTD

🏛️Establishedactive
SC642170 · ltd · incorporated 2019-09-20
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
—
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66290Other activities auxiliary to insurance and pension funding
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 77/100 (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 (78/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
29 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
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£0Nov 2023Nov 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-11-302023-11-30
Average employees500500

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-04-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-08-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-02-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2024-02-22
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2024-01-19
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2023-08-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-06-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-06-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2021-03-03
    📄
    resolution
    resolution · RESOLUTIONS
  10. 2021-03-02
    📄
    memorandum-articles
    incorporation · MA
  11. 2021-01-26
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2021-01-22
    ➖
    MCCAFFERTY, Suzanne Corall resigned
    director
  13. 2020-11-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  14. 2020-11-11
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  15. 2020-11-11
    📄
    capital-name-of-class-of-shares
    capital · SH08
  16. 2020-11-04
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2020-11-04
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2020-10-21
    ➕
    MCCAFFERTY, Mark Alexander appointed
    director
  19. 2020-10-21
    ➕
    MCCAFFERTY, Suzanne Corall appointed
    director
  20. 2020-02-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  21. 2020-02-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  22. 2019-10-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  23. 2019-09-20
    🏢
    Company incorporated
    As INVEST RETIRE PROTECT LTD
  24. 2019-09-20
    ➕
    INNES, David Stuart appointed
    director
  25. 2019-09-20
    ➕
    HUME, Gillian Claire appointed
    director
  26. 2019-09-20
    ➖
    HUME, Gillian Claire resigned
    director

Owner dependency

66/100
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 58 — approaching natural succession window.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • 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 Mark Alexander Mccafferty
Individual · British · DOB 05/1972 · age 54
25–50%
25–50%25-50% shares · 25-50% voting21/10/2020
Mr David Stuart Innes
Individual · British · DOB 10/1968 · age 58
25–50%
25–50%25-50% shares · 25-50% voting20/09/2019
1 historic (ceased) PSC
  • Ms Gillian Claire Humeceased 20/09/2019· 25-50% shares · 25-50% voting

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

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AMATI GLOBAL INVESTORS LIMITED→
SC199908 · est 1999
£8.90M
£6.47M–£11.33M
——280026y8466y
CS MANAGERS LTD→
SC231678 · est 2002
£1.50M
£1.09M–£1.91M
——120023y8677y
GBCP VII (GENERAL PARTNER) LIMITED→
SC253395 · est 2003 · no financials extracted
————22y8362y
NOBLE GROSSART LIMITED→
SC046265 · est 1969 · no financials extracted
————57y8372y
PREMIER COMMERCIAL LIMITED→
SC160330 · est 1995
——£282.5k—30y8361y
RIA CAPITAL MARKETS LIMITED→
SC226461 · est 2001 · no financials extracted
————24y8358y
SCOTIA WEALTH MANAGEMENT LTD.→
SC267795 · est 2004
———130021y8358y
ALAN STEEL (ASSET MANAGEMENT) LIMITED→
SC058014 · est 1975
———4450y8262y
ALEX HAMMOND-CHAMBERS & COMPANY→
SC126819 · est 1990 · no financials extracted
————35y8284y
BANDRON LIMITED→
SC082385 · est 1983
———40043y8271y
BRIDGEPOINT EUROPE (SGP) LTD→
SC332267 · est 2007 · no financials extracted
————18y8261y
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SC347357 · est 2008
——£50.9k—17y8267y
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 →
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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.

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Company details

Statusactive
Typeltd
Incorporated2019-09-20
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

18 Bridge Road
Edinburgh
EH13 0LQ
United Kingdom

Filing status

Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-10-03
Last: 2025-09-19

Officers (2 active · 2 resigned)

INNES, David Stuart→
director · ~58y · appointed 2019-09-20
View their other companies + combined net worth →
Active
MCCAFFERTY, Mark Alexander→
director · ~54y · appointed 2020-10-21
View their other companies + combined net worth →
Active
HUME, Gillian Claire→
director · ~59y · appointed 2019-09-20 · resigned 2019-09-20
Resigned
MCCAFFERTY, Suzanne Corall→
director · ~49y · appointed 2020-10-21 · resigned 2021-01-22
Resigned

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

Recent filings (29 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-23
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-23
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-29
change-person-director-company-with-change-date
officers · CH01
2024-02-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-02-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-01-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-22
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-26
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-07
confirmation-statement-with-updates
confirmation-statement · CS01
2021-10-03
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-18
resolution
resolution · RESOLUTIONS
2021-03-03
memorandum-articles
incorporation · MA
2021-03-02