PAYPLAN (SCOTLAND) LIMITED

🌳Matureactive
SC400113 · ltd · incorporated 2011-05-24
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 3.8y old — refinance window within 12 months
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
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
🔔
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 exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), 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 (73/100).

🏦

Refinance opportunity

1 live charge · oldest 3.8y

75/100
ready

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

  • · Charge age ~3.8 years — mid-life; refi window approaching.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 20/100 — clean.

Data confidence

Overall: medium (61/100)

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
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
17 officers (4 active, 17 linked, 15 with DOB)
88
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
87 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
4
filings
  • • 2 accounts
  • • 2 other
Last 90 days
6
filings
  • • 3 accounts
  • • 2 other
  • • 1 confirmation-statement
Last 180 days
6
filings
  • • 3 accounts
  • • 2 other
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (54 events)Click to expand
  1. 2026-07-04
    📄
    accounts-amended-with-accounts-type-audit-exemption-subsiduary
    accounts · AAMD
  2. 2026-07-04
    📄
    legacy
    accounts · PARENT_ACC
  3. 2026-07-04
    📄
    legacy
    other · GUARANTEE2
  4. 2026-07-04
    📄
    legacy
    other · AGREEMENT2
  5. 2026-06-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2025-10-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2025-10-09
    📄
    legacy
    accounts · PARENT_ACC
  8. 2025-10-09
    📄
    legacy
    other · GUARANTEE2
  9. 2025-10-09
    📄
    legacy
    other · AGREEMENT2
  10. 2025-09-10
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2025-09-10
    🔓
    Charge satisfied #1
  12. 2024-12-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2024-12-09
    📄
    legacy
    accounts · PARENT_ACC
  14. 2024-12-09
    📄
    legacy
    other · GUARANTEE2
  15. 2024-12-09
    📄
    legacy
    other · AGREEMENT2
  16. 2024-11-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2023-10-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2022-12-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2022-12-15
    📄
    legacy
    other · GUARANTEE2
  20. 2022-12-15
    📄
    legacy
    accounts · PARENT_ACC
  21. 2022-12-15
    📄
    legacy
    other · AGREEMENT2
  22. 2022-10-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  23. 2022-09-27
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  24. 2019-05-03
    ➖
    KIRK, Andrew John resigned
    director
  25. 2019-01-25
    ➕
    KIRK, Andrew John appointed
    director
  26. 2018-06-14
    ➖
    RANN, Susan Dawn resigned
    director
  27. 2016-01-16
    ➖
    STEWART, Mary Ann resigned
    director
  28. 2015-03-17
    ➖
    OLSSON, Alice resigned
    director
  29. 2015-03-17
    ➖
    TAYLOR, Andrew Martin resigned
    director
  30. 2014-12-12
    ➖
    STRINGER, Dale resigned
    director
  31. 2014-11-14
    ➖
    CHICK, Derek Michael resigned
    director
  32. 2014-11-03
    ➖
    BOYDEN, Patrick Michael resigned
    director
  33. 2014-11-03
    ➖
    JACKMAN, David resigned
    director
  34. 2014-08-22
    ➕
    BOYDEN, Patrick Michael appointed
    director
  35. 2014-08-22
    ➕
    JACKMAN, David appointed
    director
  36. 2014-08-22
    ➕
    STEWART, Mary Ann appointed
    director
  37. 2014-08-22
    ➕
    STRINGER, Dale appointed
    director
  38. 2014-08-22
    ➕
    TAYLOR, Andrew Martin appointed
    director
  39. 2014-08-04
    ➕
    FAIRHURST, John appointed
    director
  40. 2014-08-04
    ➕
    PAYNE, Nicholas Timothy appointed
    director
  41. 2014-08-04
    ➖
    PAYNE, Louise resigned
    secretary
  42. 2014-08-04
    ➕
    OLSSON, Alice appointed
    director
  43. 2014-08-04
    ➖
    RANN, Gordon Philip Dale resigned
    director
  44. 2014-08-04
    ➖
    RANN, Lesley Elizabeth resigned
    director
  45. 2014-08-04
    ➖
    TAPSON, Lianne Estelle resigned
    director
  46. 2014-07-04
    ➕
    BRIGGS, Halina appointed
    secretary
  47. 2011-05-24
    🏢
    Company incorporated
    As PAYPLAN (SCOTLAND) LIMITED
  48. 2011-05-24
    ➕
    DUFFEY, Rachel Elizabeth appointed
    director
  49. 2011-05-24
    ➕
    PAYNE, Louise appointed
    secretary
  50. 2011-05-24
    ➕
    CHICK, Derek Michael appointed
    director
Showing most recent 50 of 54 events

Owner dependency

68/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

63/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • secondary12+ year tenure: Director in role 15 years.
  • secondaryStable-but-static management: Company is 15 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Payplan Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Payplan Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
PAYPLAN (SCOTLAND) LIMITED
This company · SC400113

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%
NameSharesVoting rightsNature of controlNotified
Payplan Limited
Corporate entity
75–100%
75–100%75-100% shares · 75-100% voting29/06/2018
1 historic (ceased) PSC
  • Totemic (2014) Holdings Limitedceased 29/06/2018· 75-100% shares

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 · Financial services · EH postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
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
——120024y8677y
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
———130022y8358y
ALAN STEEL (ASSET MANAGEMENT) LIMITED→
SC058014 · est 1975
———4451y8262y
ALEX HAMMOND-CHAMBERS & COMPANY→
SC126819 · est 1990 · no financials extracted
————35y8284y
BANDRON LIMITED→
SC082385 · est 1983
———40043y8271y
FAMILY & BUSINESS ASSURANCE (SERVICES) LIMITED→
SC347357 · est 2008
——£50.9k—17y8267y
HAMILTON DALRYMPLE TRUST COMPANY.→
SC017910 · est 1934 · no financials extracted
————92y8271y
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
Incorporated2011-05-24
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Level 4,9 Haymarket Square
Edinburgh
EH3 8RY
Scotland

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-06-06
Last: 2026-05-23

Officers (4 active · 13 resigned)

BRIGGS, Halina→
secretary · appointed 2014-07-04
View their other companies + combined net worth →
Active
DUFFEY, Rachel Elizabeth→
director · ~48y · appointed 2011-05-24
View their other companies + combined net worth →
Active
FAIRHURST, John→
director · ~61y · appointed 2014-08-04
View their other companies + combined net worth →
Active
PAYNE, Nicholas Timothy→
director · ~49y · appointed 2014-08-04
View their other companies + combined net worth →
Active
PAYNE, Louise→
secretary · appointed 2011-05-24 · resigned 2014-08-04
Resigned
BOYDEN, Patrick Michael→
director · ~74y · appointed 2014-08-22 · resigned 2014-11-03
Resigned
CHICK, Derek Michael→
director · ~72y · appointed 2011-05-24 · resigned 2014-11-14
Resigned
JACKMAN, David→
director · ~66y · appointed 2014-08-22 · resigned 2014-11-03
Resigned
KIRK, Andrew John→
director · ~45y · appointed 2019-01-25 · resigned 2019-05-03
Resigned
OLSSON, Alice→
director · ~48y · appointed 2014-08-04 · resigned 2015-03-17
Resigned
RANN, Gordon Philip Dale→
director · ~76y · appointed 2011-05-24 · resigned 2014-08-04
Resigned
RANN, Lesley Elizabeth→
director · ~67y · appointed 2011-05-24 · resigned 2014-08-04
Resigned
RANN, Susan Dawn→
director · ~52y · appointed 2011-05-24 · resigned 2018-06-14
Resigned
STEWART, Mary Ann→
director · ~62y · appointed 2014-08-22 · resigned 2016-01-16
Resigned
STRINGER, Dale→
director · ~54y · appointed 2014-08-22 · resigned 2014-12-12
Resigned
TAPSON, Lianne Estelle→
director · ~60y · appointed 2011-05-24 · resigned 2014-08-04
Resigned
TAYLOR, Andrew Martin→
director · ~60y · appointed 2014-08-22 · resigned 2015-03-17
Resigned

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
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—27/09/202210/09/2025

Recent filings (87 total)

accounts-amended-with-accounts-type-audit-exemption-subsiduary
accounts · AAMD
2026-07-04
legacy
accounts · PARENT_ACC
2026-07-04
legacy
other · GUARANTEE2
2026-07-04
legacy
other · AGREEMENT2
2026-07-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-06-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-09
legacy
accounts · PARENT_ACC
2025-10-09
legacy
other · GUARANTEE2
2025-10-09
legacy
other · AGREEMENT2
2025-10-09
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-09
legacy
accounts · PARENT_ACC
2024-12-09
legacy
other · GUARANTEE2
2024-12-09