MONY GROUP FINANCIAL LIMITED
🌳Matureactive
03157344 · ltd · incorporated 1996-02-09
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
—
not disclosed
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Other information service activities n.e.c.
Sector: Information & communication
Investor take
PursueActive trading company with a 60-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 77/100. Strong seller-intent signal (65/100, director aged 60). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
6 live charges · 3 lenders · oldest 28.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 28.2 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
25 officers (3 active, 25 linked, 18 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
15 connected companies via shared directors
90
Filing history
177 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
3
filings
- • 2 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (82 events)Click to expand
- 2026-03-12📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2026-03-12📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2026-02-27➕HANDS, Victoria Louise appointedsecretary
- 2026-02-27➖STINTON, Shazadi resignedsecretary
- 2025-09-26📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-09-26📄legacyaccounts · PARENT_ACC
- 2025-09-26📄legacyother · GUARANTEE2
- 2025-09-26📄legacyother · AGREEMENT2
- 2025-03-27📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-17📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-10-17📄legacyaccounts · PARENT_ACC
- 2024-10-17📄legacyother · GUARANTEE2
- 2024-10-17📄legacyother · AGREEMENT2
- 2024-05-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-05-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-05-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-05-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-05-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-05-20✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-05-20✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-05-15📄change-person-director-company-with-change-dateofficers · CH01
- 2023-09-08📄accounts-with-accounts-type-fullaccounts · AA
- 2023-03-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-02-20➕MCBRIDE, Niall James appointeddirector
- 2023-02-17➖GRIMBLE, Scilla resigneddirector
- 2022-05-09➖RIVERS, Alice resignedsecretary
- 2022-05-09➕STINTON, Shazadi appointedsecretary
- 2021-12-16➖BELLAU, Katherine resignedsecretary
- 2021-12-16➕RIVERS, Alice appointedsecretary
- 2020-09-01➕DUFFY, Peter Bernard appointeddirector
- 2020-08-31➖LEWIS, Mark Peter resigneddirector
- 2019-02-08➕BELLAU, Katherine appointedsecretary
- 2019-02-08➖DRABBLE, Darren Paul resignedsecretary
- 2019-02-04➖DRABBLE, Darren Paul resigneddirector
- 2019-02-04➕GRIMBLE, Scilla appointeddirector
- 2018-10-31➕DRABBLE, Darren Paul appointeddirector
- 2018-10-31➖PRICE, Matthew John resigneddirector
- 2017-05-04➖PLUMB, Peter James resigneddirector
- 2017-03-13➕LEWIS, Mark Peter appointeddirector
- 2015-12-31➖NIXON, Simon Justin resigneddirector
- 2015-12-03🔓Charge satisfied #6
- 2015-10-08➖DONOGHUE, Graham resigneddirector
- 2014-04-23➖DOUGHTY, Paul Harris resigneddirector
- 2014-04-01➕PRICE, Matthew John appointeddirector
- 2012-09-25➖OSBORNE, David John resigneddirector
- 2009-04-07➕DONOGHUE, Graham appointeddirector
- 2009-04-07➕OSBORNE, David John appointeddirector
- 2009-04-07➕PLUMB, Peter James appointeddirector
- 2007-06-22🔒Charge registered #6Lender: Lloyds Tsb Bank PLC (Security Trustee)
Showing most recent 50 of 82 events
Owner dependency
66/100
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 60 — approaching natural succession window.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Mony Group Financial Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Mony Group Financial Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
MONY GROUP FINANCIAL LIMITED
This company · 03157344
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mony Group Financial Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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 · Technology · CH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AGRONOMIC DIGITAL INNOVATION LTD→ 15350454 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ALLOC8 TICKETS LIMITED→ 12215875 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ALMAROCA LTD→ 05745582 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| AMULLHOLLAND LTD→ 12326713 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| APPOINTHQ LTD→ 15476548 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ARCHIVE ANALYTICS SOLUTIONS LTD→ 09051633 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ARHISTORY LTD→ 14922234 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ARK PROCESS ENGINEERING LIMITED→ 08022543 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| ARKITOPE LABS LTD→ 16825728 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARMSTRONG LAING GROUP LIMITED→ 15982637 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARRAY TECHNOLOGY AND DISTRIBUTION LIMITED→ 04483873 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ART ON DEMAND LTD→ 12892797 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated1996-02-09
Jurisdictionengland-wales
Primary SIC63990 — Other information service activities n.e.c.
Registered office
Mony Group House
St. David's Park
Ewloe
Deeside
CH5 3UZ
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-02-23
Last: 2026-02-09
Officers (3 active · 22 resigned)
HANDS, Victoria Louise→
Activesecretary · appointed 2026-02-27
View their other companies + combined net worth →
DUFFY, Peter Bernard→
Activedirector · ~60y · appointed 2020-09-01
View their other companies + combined net worth →
MCBRIDE, Niall James→
Activedirector · ~47y · appointed 2023-02-20
View their other companies + combined net worth →
BELLAU, Katherine→
Resignedsecretary · appointed 2019-02-08 · resigned 2021-12-16
DRABBLE, Darren Paul→
Resignedsecretary · appointed 2007-06-18 · resigned 2019-02-08
MORRIS, Pamela Rosalind→
Resignedsecretary · appointed 1996-02-09 · resigned 1997-07-31
NIXON, Simon Justin→
Resignedsecretary · appointed 1997-07-31 · resigned 2007-06-18
RIVERS, Alice→
Resignedsecretary · appointed 2021-12-16 · resigned 2022-05-09
STINTON, Shazadi→
Resignedsecretary · appointed 2022-05-09 · resigned 2026-02-27
CAMERON, Duncan Russell→
Resigneddirector · ~55y · appointed 1997-07-31 · resigned 2007-06-18
DODD, Jeremy→
Resigneddirector · ~78y · appointed 2002-06-20 · resigned 2005-08-31
DONOGHUE, Graham→
Resigneddirector · ~53y · appointed 2009-04-07 · resigned 2015-10-08
DOUGHTY, Paul Harris→
Resigneddirector · ~58y · appointed 2005-09-01 · resigned 2014-04-23
DRABBLE, Darren Paul→
Resigneddirector · ~51y · appointed 2018-10-31 · resigned 2019-02-04
GLENDINNING, Stuart John→
Resigneddirector · ~63y · appointed 2002-06-20 · resigned 2007-05-29
GRIMBLE, Scilla→
Resigneddirector · ~53y · appointed 2019-02-04 · resigned 2023-02-17
HORNSBY, Sean→
Resigneddirector · ~65y · appointed 2002-06-20 · resigned 2007-05-30
LEWIS, Mark Peter→
Resigneddirector · ~57y · appointed 2017-03-13 · resigned 2020-08-31
MASON, Richard Neil→
Resigneddirector · ~63y · appointed 2002-06-20 · resigned 2007-05-29
MORRIS, Benjamin Harry→
Resigneddirector · ~79y · appointed 1996-02-09 · resigned 1997-07-31
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
0
Outstanding
0
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC (Security Trustee) | Security agreement | 1 property | 22/06/2007 | 03/12/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 27/01/2003 | 21/04/2007 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 05/11/1999 | 21/04/2007 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 07/08/1998 | 21/04/2007 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 29/07/1998 | 21/04/2007 | |
| satisfied | Midland Bank Midland Bank PLC | Debenture | 1 property | 21/05/1998 | 07/08/1998 |
Recent filings (177 total)
appoint-person-secretary-company-with-name-date
officers · AP03
2026-03-12
termination-secretary-company-with-name-termination-date
officers · TM02
2026-03-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-17
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-09-26
legacy
accounts · PARENT_ACC
2025-09-26
legacy
other · GUARANTEE2
2025-09-26
legacy
other · AGREEMENT2
2025-09-26
change-person-director-company-with-change-date
officers · CH01
2025-03-27
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-10
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-10-17
legacy
accounts · PARENT_ACC
2024-10-17
legacy
other · GUARANTEE2
2024-10-17
legacy
other · AGREEMENT2
2024-10-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-05-24
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-05-24