SIMPLIFY DEBT LTD
🌿Early-stageactive
SC699376 · ltd · incorporated 2021-05-20
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
—
book net assets
Opportunity
69/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company. Reasonable fundamentals — worth a memo before deciding.
Opportunity 69/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
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, 1 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
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
Network not yet resolved
30
Filing history
16 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
90
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 | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 200 | 200 |
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
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (15 events)Click to expand
- 2026-01-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-02-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-31📄change-person-director-company-with-change-dateofficers · CH01
- 2022-03-31📄change-person-director-company-with-change-dateofficers · CH01
- 2022-03-31📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-03-31📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-03-31📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-05-20🏢Company incorporatedAs SIMPLIFY DEBT LTD
- 2021-05-20➕INNES, Martin David appointeddirector
- 2021-05-20➕SANDS, Tayler Lee appointeddirector
- 2021-05-20📄incorporation-companyincorporation · NEWINC
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited 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
1 lowMultiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Tayler Lee Sands Individual · British · DOB 10/1993 · age 33 | 25–50% | — | 25-50% shares | 20/05/2021 |
Mr Martin David Innes Individual · British · DOB 06/1992 · age 34 | 25–50% | — | 25-50% shares | 20/05/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| SIFAOUI CONSULTANCY LIMITED→ SC775975 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| SIMPLY TRUST DEEDS LIMITED→ SC636306 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| SINGER & FRIEDLANDER COMMERCIAL FINANCE LIMITED→ SC053939 · est 1973 · no financials extracted | — | — | — | — | 52y | — | — |
| SJ ADJUSTING LTD→ SC543131 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| SMART CHOICE MORTGAGES LIMITED→ SC613306 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| SMART-BETA INVESTMENTS LIMITED→ SC522207 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ST MATHEW INVESTMENTS LIMITED→ SC682287 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| STRABANE ENTERPRISES (UK) LIMITED→ SC801666 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| STRATTON OAKMOUNT LIMITED→ SC688444 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| TDS (E&W) LIMITED→ SC530749 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| THE ER NETWORK LIMITED→ SC292243 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| THE GHLASCHU COMPANY LIMITED→ SC580142 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated2021-05-20
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
1 Spiersbridge Way
Thornliebank
Glasgow
G46 8NG
Scotland
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-06-02
Last: 2025-05-19
Officers (2 active · 0 resigned)
INNES, Martin David→
Activedirector · ~34y · appointed 2021-05-20
View their other companies + combined net worth →
SANDS, Tayler Lee→
Activedirector · ~33y · appointed 2021-05-20
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (16 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-26
change-person-director-company-with-change-date
officers · CH01
2022-03-31
change-person-director-company-with-change-date
officers · CH01
2022-03-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-03-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-03-31
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-03-31