PMI PROTECT LTD

🏛️Establishedactive

SC559496 · ltd · incorporated 2017-03-06

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 Mar 2025

Net worth

£-4.5k

book net assets

Opportunity

76/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 76/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 65). 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, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

18 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

76/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Negative net assets

Liabilities exceed assets by £4,490

Net assets shrinking

Down £8,745 YoY

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

-£4k

↓ 206% YoY

Current Assets

£7k

↓ 54% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-03-31	2024-03-31
Total assets	£-4.5k	£4.3k
Current assets	£6.7k	£14.5k
Net assets	£-4.5k	£4.3k

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (12 events)Click to expand

2025-11-13
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-03
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-18
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-09-03
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-11-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-07-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-03-06
🏢
Company incorporated
As PMI PROTECT LTD
2017-03-06
➕
HANNEY, Alan appointed
director
2017-03-06
➕
HANNEY, Lorraine appointed
director
2017-03-06
📄
incorporation-company
incorporation · NEWINC

Owner dependency

86/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Founder age: Director aged approximately 65 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

56/100

Strong succession signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
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

Name	Shares	Voting rights	Nature of control	Notified
Mr Alan Hanney Individual · British · DOB 04/1961 · age 65	50–75%	50–75%	50-75% shares · 50-75% voting	06/03/2017
Mrs Lorraine Hanney Individual · British · DOB 11/1964 · age 62	25–50%	25–50%	25-50% shares · 25-50% voting	06/03/2017

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

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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

Incorporated2017-03-06

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

15 St. Leonard Street

Lanark

Lanarkshire

ML11 7AB

United Kingdom

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-02-13

Last: 2026-01-30

Officers (2 active · 0 resigned)

HANNEY, Alan→

director · ~65y · appointed 2017-03-06

View their other companies + combined net worth →

Active

HANNEY, Lorraine→

director · ~62y · appointed 2017-03-06

View their other companies + combined net worth →

Active

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