1ST CHOICE MEMORIALS LIMITED
Opportunity 79/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 11.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 11.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Average employees | 800 | 700 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 3 persons-with-significant-control
Corporate timeline (30 events)Click to expand
- 2025-12-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-11-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-10-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-10-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-10-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-10-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-29➕POLLOCK, Crawford appointeddirector
- 2023-10-27📄change-person-director-company-with-change-dateofficers · CH01
- 2023-10-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-10-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-10-18📄change-person-director-company-with-change-dateofficers · CH01
- 2023-10-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-06-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-06-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-06-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-06-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2014-09-11🔒Charge registered #1Lender: National Westminster Bank PLC
- 2009-10-01➖POLLOCK, Crawford resigneddirector
- 2007-08-10➕POLLOCK, Jason appointedsecretary
- 2007-08-10➖POLLOCK, Tracie resignedsecretary
- 2004-09-29🏢Company incorporatedAs 1ST CHOICE MEMORIALS LIMITED
- 2004-09-29➕POLLOCK, Tracie appointedsecretary
- 2004-09-29➕SAME-DAY COMPANY SERVICES LIMITED appointedcorporate-nominee-secretary
- 2004-09-29➖SAME-DAY COMPANY SERVICES LIMITED resignedcorporate-nominee-secretary
- 2004-09-29➕POLLOCK, Crawford appointeddirector
- 2004-09-29➕WILDMAN & BATTELL LIMITED appointedcorporate-nominee-director
- 2004-09-29➖WILDMAN & BATTELL LIMITED resignedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanGroup structure
1st Choice Memorials Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
1st Choice Memorials Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 24/11/2025 |
3 historic (ceased) PSCs
- Mr Jason Pollockceased 24/11/2025· 25-50% shares · 25-50% voting
- Mr Crawford Pollockceased 24/11/2025· 50-75% shares · 50-75% voting · board control
- Mr Crawford Pollockceased 01/07/2016· 50-75% shares · 50-75% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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
Registered office
Filing status
Officers (2 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 11/09/2014 | — |