BANNERMAN DECORATORS EOT TRUSTEE LIMITED

🌱Startupactive
SC874539 · private-limited-guarant-nsc · incorporated 2026-01-08
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
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Turnover
not disclosed
Net worth
book net assets
Opportunity
76/100
Strong
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What this business does
Primary activity: Activities of other holding companies n.e.c.
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and acceptable with review structure.

Opportunity 76/100 (strong), bankability 65/100. 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 (65/100).

Data confidence

Overall: medium (55/100)

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
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
3 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
2
filings
  • 1 incorporation
  • 1 resolution
Last 180 days
3
filings
  • 2 incorporation
  • 1 resolution
Counts from Companies House filing history.
Corporate timeline (7 events)Click to expand
  1. 2026-01-29
    📄
    memorandum-articles
    incorporation · MA
  2. 2026-01-29
    📄
    resolution
    resolution · RESOLUTIONS
  3. 2026-01-08
    🏢
    Company incorporated
    As BANNERMAN DECORATORS EOT TRUSTEE LIMITED
  4. 2026-01-08
    BANNERMAN, Jacqueline Anne appointed
    director
  5. 2026-01-08
    LOW, John Christie appointed
    director
  6. 2026-01-08
    COVENANT FINANCIAL LIMITED appointed
    corporate-director
  7. 2026-01-08
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

78/100
High — earn-out structure required

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

FACTORS
  • +Founder name in company name: Company name contains director surname "BANNERMAN" — strong identity link between founder and business.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.
  • +Young company: Only 0.3 years old — management layer unlikely to be developed.

Succession & seller-readiness

40/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.

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

Covenant Financial Limited holds 25-50% — a significant corporate investor but not a controlling parent.

🏛️
Covenant Financial Limited
Corporate parent
BANNERMAN DECORATORS EOT TRUSTEE LIMITED
This company · SC874539

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Jacqueline Anne Bannerman
Individual · British · DOB 10/1966 · age 60
25–50%25-50% voting08/01/2026
Mr John Christie Low
Individual · British · DOB 08/1967 · age 59
25–50%25-50% voting08/01/2026
Covenant Financial Limited
Corporate entity
25–50%25-50% voting08/01/2026

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.

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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.

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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.

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Company details

Statusactive
Typeprivate-limited-guarant-nsc
Incorporated2026-01-08
Jurisdictionscotland
Primary SIC64209 — Activities of other holding companies n.e.c.

Registered office

18 Dunkeld Road
Perth
Scotland
PH1 5RW
United Kingdom

Filing status

Accounts
Next due: 2027-10-08
Last made up to:
Confirmation statement
Next due: 2027-01-21
Last:

Officers (3 active · 0 resigned)

BANNERMAN, Jacqueline Anne
director · ~60y · appointed 2026-01-08
View their other companies + combined net worth →
Active
LOW, John Christie
director · ~59y · appointed 2026-01-08
View their other companies + combined net worth →
Active
COVENANT FINANCIAL LIMITED
corporate-director · appointed 2026-01-08
View their other companies + combined net worth →
Active

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

Recent filings (3 total)

memorandum-articles
incorporation · MA
2026-01-29
resolution
resolution · RESOLUTIONS
2026-01-29
incorporation-company
incorporation · NEWINC
2026-01-08