SIMPLIFY DEBT LTD

🏛️Establishedactive
SC699376 · ltd · incorporated 2021-05-20
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.
Why now
Window steady · high confidence
Thesis has shifted recently — watch for confirmation.
  • · Lifecycle stage: early → established
  • · Investment thesis: growth_story → unclassified
  • · Bankability: 70 → 75
  • · Filings: 16 → 19
Opportunity decay
hardening · 6-months
Hardening — profile is tightening. If you want to act, do it before the window closes further.
  • · 3 recent signals strengthening vs 0 weakening
What changed my view
Last 30 days

Picture improved over the last 30 days — 3 positive signals vs 0 negative.

  • ↑Lifecycle stage: early → established
  • ·Investment thesis: growth_story → unclassified
  • ↑Bankability: 70 → 75
  • ↑Filings: 16 → 19
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 May 2025
Net worth
—
book net assets
Opportunity
71/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 71/100 (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: 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
19 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
55
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 accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0May 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-05-312024-05-31
Average employees200200

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
3
filings
  • • 1 confirmation-statement
  • • 1 officers
  • • 1 persons-with-significant-control
Last 180 days
4
filings
  • • 1 confirmation-statement
  • • 1 officers
  • • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
  1. 2026-05-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2026-05-22
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2026-01-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2025-02-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2025-02-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2024-02-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-06-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-03-31
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2022-03-31
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2022-03-31
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2022-03-31
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2022-03-31
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2021-05-20
    🏢
    Company incorporated
    As SIMPLIFY DEBT LTD
  15. 2021-05-20
    ➕
    INNES, Martin David appointed
    director
  16. 2021-05-20
    ➕
    SANDS, Tayler Lee appointed
    director
  17. 2021-05-20
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

63/100
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.
  • +No director turnover: Company is 5 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

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Tayler Lee Sands
Individual · British · DOB 10/1993 · age 33
25–50%
—25-50% shares20/05/2021
Mr Martin David Innes
Individual · British · DOB 06/1992 · age 34
25–50%
—25-50% shares20/05/2021

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
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
@SIPP LIMITED→
SC217126 · est 2001
£37.09M
£26.97M–£47.20M
£10.21M—620025y8562y
FLEET ALLIANCE LIMITED→
SC235634 · est 2002
£7.49M
£5.45M–£9.53M
———23y8261y
FORWARD ASSET FINANCE LIMITED→
SC337979 · est 2008
£1.02M
£744.7k–£1.30M
——50018y8364y
COMMONWEALTH GAMES (SCOTLAND) ENDOWMENT FUND→
SC301214 · est 2006
£22.3k
£16.2k–£28.3k
——020y8366y
BLAIRSTON ENTERPRISES LIMITED→
SC368750 · est 2009
——£2.38M—16y8372y
CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED→
SC200273 · est 1999 · no financials extracted
————26y8359y
FEMALE INDEPENDENT LTD.→
SC245607 · est 2003
——£20.0k—23y8366y
HARRY SMITH, LIMITED→
SC008622 · est 1913
——£1.66M—113y8358y
KELVIN SMITH (INSURANCE BROKERS) LIMITED→
SC301532 · est 2006
——£3.48M—20y8363y
MORTGAGE ADVICE BROKERAGE LTD→
SC336489 · est 2008
———150018y8358y
NITRON INVESTMENTS LIMITED→
SC047915 · est 1970
——£431.4k—55y8380y
PENTA CAPITAL INVESTMENTS LIMITED→
SC277543 · est 2004 · no financials extracted
————21y8364y
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
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: 2027-06-02
Last: 2026-05-19

Officers (2 active · 0 resigned)

INNES, Martin David→
director · ~34y · appointed 2021-05-20
View their other companies + combined net worth →
Active
SANDS, Tayler Lee→
director · ~33y · appointed 2021-05-20
View their other companies + combined net worth →
Active

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

Recent filings (19 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-26
change-person-director-company-with-change-date
officers · CH01
2026-05-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-22
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