PPI RECLAIMS (SCOTLAND) LTD
🌳Matureactive
SC413541 · ltd · incorporated 2011-12-21
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.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
£1.59M
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 79/100 (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: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
45 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £1,589,433
Net assets shrinking
Down £42,870 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£1.6m
↓ 2.6% YoY
Current Assets
£1.7m
↓ 2.9% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Total assets | £1.59M | £1.63M |
| Current assets | £1.68M | £1.73M |
| Net assets | £1.59M | £1.63M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2026-03-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-10-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-20📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-20📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-02-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-26📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-03-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-12-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-11-30📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-11-30📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-11-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-11-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-11-02📄capital-allotment-sharescapital · SH01
- 2016-03-01➕BEGG, Michael Scott appointeddirector
- 2011-12-21🏢Company incorporatedAs PPI RECLAIMS (SCOTLAND) LTD
- 2011-12-21➕DEL SAZ-OROZCO ESTEPA, Clara appointeddirector
Owner dependency
71/100
High — earn-out structure requiredMaterial 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 64 — approaching natural succession window.
- +No director turnover: Company is 14 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
69/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 14 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Michael Scott Begg Individual · British · DOB 04/1962 · age 64 | 75–100% | — | board control75-100% shares · board control | 05/03/2021 |
3 historic (ceased) PSCs
- Ms Clara Delsaz-Orozco Estepaceased 05/03/2021· 75-100% shares
- Mr Michael Scott Beggceased 01/11/2020· 75-100% shares
- Ms Clara Delsaz-Orozco Estepaceased 01/11/2020· 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 · DD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CAMERON FINANCIAL LIMITED→ SC329254 · est 2007 | — | — | — | — | 18y | 82 | 59y |
| MGA FINANCIAL MANAGEMENT LIMITED→ SC189425 · est 1998 | — | — | — | 300 | 27y | 82 | 63y |
| MORTGAGE MANAGERS LIMITED→ SC375517 · est 2010 | — | — | £51.9k | — | 16y | 81 | 63y |
| FLATS 4 U LIMITED→ SC145404 · est 1993 · no financials extracted | — | — | — | — | 32y | — | — |
| JP MAXWELL FINANCIAL MANAGEMENT LTD→ SC565531 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| L P PROPERTIES (2008) LIMITED→ SC333716 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| MORVADA LIMITED→ SC682212 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| PETER SADDLER & COMPANY LIMITED→ SC019905 · est 1937 · no financials extracted | — | — | — | — | 88y | — | — |
| REID INVEST LIMITED→ SC766379 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ROBSON MACINTOSH & COMPANY LTD.→ SC232903 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| S N HENDERSON LTD→ SC814478 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| SGL FINANCIAL SERVICES LTD→ SC736770 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2011-12-21
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
42 Dudhope Crescent Road
Dundee
Tayside
DD1 5RR
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-04-08
Last: 2026-03-25
Officers (2 active · 0 resigned)
BEGG, Michael Scott→
Activedirector · ~64y · appointed 2016-03-01
View their other companies + combined net worth →
DEL SAZ-OROZCO ESTEPA, Clara→
Activedirector · ~50y · appointed 2011-12-21
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (45 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-08
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-20
change-person-director-company-with-change-date
officers · CH01
2025-10-20
change-person-director-company-with-change-date
officers · CH01
2025-10-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-11
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-28
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-25
accounts-with-accounts-type-micro-entity
accounts · AA
2022-02-17
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-29