1ST CITY PARTNERSHIP LIMITED

🌳Matureactive
07625396 · ltd · incorporated 2011-05-06
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 15.0y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
🔔
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What this business does
Primary activity: Other service activities n.e.c.
Sector: Other service activities
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 80/100. 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).

🏦

Refinance opportunity

1 live charge · oldest 15.0y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 15.0 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (71/100)

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
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (4 active, 5 linked, 5 with DOB)
90
Ownership & PSC
No PSC data returned
40
Director network
Network not yet resolved
30
Filing history
55 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30
Average employees5500

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
0
filings
Last 90 days
0
filings
Last 180 days
4
filings
  • • 2 officers
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2026-02-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2026-01-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2026-01-20
    📄
    change-person-director-company
    officers · CH01
  4. 2026-01-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2025-11-24
    ➖
    MCCULLOUGH, Derek resigned
    director
  6. 2025-03-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2025-01-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2025-01-20
    📄
    change-person-director-company
    officers · CH01
  9. 2025-01-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2024-03-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2023-03-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-12-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-03-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2021-03-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2021-03-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2020-02-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2020-01-28
    📄
    capital-name-of-class-of-shares
    capital · SH08
  18. 2019-08-23
    📄
    capital-name-of-class-of-shares
    capital · SH08
  19. 2015-04-20
    ➕
    MCCULLOUGH, Declan Bartholomew appointed
    director
  20. 2011-07-29
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  21. 2011-05-06
    🏢
    Company incorporated
    As 1ST CITY PARTNERSHIP LIMITED
  22. 2011-05-06
    ➕
    MCCULLOUGH, Aaron Philip appointed
    director
  23. 2011-05-06
    ➕
    MCCULLOUGH, Connor Ronald appointed
    director
  24. 2011-05-06
    ➕
    MCCULLOUGH, Susan Rose appointed
    director
  25. 2011-05-06
    ➕
    MCCULLOUGH, Derek appointed
    director

Owner dependency

66/100
High — earn-out structure required

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

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

63/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondary12+ year tenure: Director in role 15 years.
  • secondaryStable-but-static management: Company is 15 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

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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
Incorporated2011-05-06
Jurisdictionengland-wales
Primary SIC96090 — Other service activities n.e.c.

Registered office

Lynton House
7-12 Tavistock Square
London
WC1H 9BQ
England

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-02-01
Last: 2026-01-18

Officers (4 active · 1 resigned)

MCCULLOUGH, Aaron Philip→
director · ~41y · appointed 2011-05-06
View their other companies + combined net worth →
Active
MCCULLOUGH, Connor Ronald→
director · ~38y · appointed 2011-05-06
View their other companies + combined net worth →
Active
MCCULLOUGH, Declan Bartholomew→
director · ~33y · appointed 2015-04-20
View their other companies + combined net worth →
Active
MCCULLOUGH, Susan Rose→
director · ~59y · appointed 2011-05-06
View their other companies + combined net worth →
Active
MCCULLOUGH, Derek→
director · ~65y · appointed 2011-05-06 · resigned 2025-11-24
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Debenture1 property29/07/2011—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (55 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-25
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-21
change-person-director-company-with-change-date
officers · CH01
2026-01-21
change-person-director-company
officers · CH01
2026-01-20
termination-director-company-with-name-termination-date
officers · TM01
2026-01-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-04
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-23
change-person-director-company-with-change-date
officers · CH01
2025-01-20
change-person-director-company
officers · CH01
2025-01-20
change-person-director-company-with-change-date
officers · CH01
2025-01-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-19