M & R FM LTD

🌳Matureactive

07968454 · ltd · incorporated 2012-02-28

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 9.0y 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

—

not disclosed

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 64-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (60/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

4 live charges · oldest 9.0y

85/100

ready

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

· Oldest live charge is 9.0 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (62/100)

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

Lenders & charges

4 charges (4/4 with lender, 4/4 with type)

Directors & officers

8 officers (5 active, 8 linked, 8 with DOB)

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

22 connected companies via shared directors

Filing history

65 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

• 1 confirmation-statement
• 1 officers

Counts from Companies House filing history.

Corporate timeline (39 events)Click to expand

2026-01-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-31
➖
THOMPSON, Benjamin David resigned
director
2025-12-15
📄
change-person-director-company-with-change-date
officers · CH01
2025-10-02
📄
resolution
resolution · RESOLUTIONS
2025-10-02
📄
memorandum-articles
incorporation · MA
2025-09-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-29
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-09-29
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-09-29
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-09-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-15
➕
BRODNICKI, Peter Christopher Steven appointed
director
2025-09-15
➕
BURGAUD MCCARTHY, Emilie Nadia Marcelline appointed
director
2025-09-15
➕
MCGRAIL, Ian Robert appointed
director
2025-09-15
➕
THOMPSON, Benjamin David appointed
director
2025-09-12
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-04-04
📄
accounts-with-accounts-type-small
accounts · AA
2024-04-22
📄
accounts-with-accounts-type-small
accounts · AA
2023-05-26
📄
accounts-with-accounts-type-full
accounts · AA
2022-07-14
📄
accounts-with-accounts-type-small
accounts · AA
2022-05-25
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2022-05-24
📄
gazette-notice-compulsory
gazette · GAZ1
2021-07-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-11
➖
MCGUIRE, Penny Susan resigned
director
2021-01-11
➖
RILEY, Rachel Anne resigned
director
2020-03-16
🔓
Charge satisfied #4
2020-03-16
🔓
Charge satisfied #3
2020-03-16
🔓
Charge satisfied #2
2020-03-16
🔓
Charge satisfied #1
2019-01-24
🔒
Charge registered #4
Lender: Lloyds Bank PLC
2018-03-29
🔒
Charge registered #3
Lender: Lloyds Bank PLC
2017-07-12
🔒
Charge registered #2
Lender: Lloyds Bank PLC
2017-06-29
🔒
Charge registered #1
Lender: Lloyds Bank PLC
2014-07-01
➕
MCGUIRE, Penny Susan appointed
director
2014-07-01
➕
RILEY, Rachel Anne appointed
director
2012-02-28
🏢
Company incorporated
As M & R FM LTD
2012-02-28
➕
MCGUIRE, Philip appointed
director
2012-02-28
➕
RILEY, Ben Fulton appointed
director

Owner dependency

48/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

63/100

Strong succession signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
secondary12+ year tenure: Director in role 14 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

First Mortgage Direct Limited holds majority control (50-75%). Likely parent but not wholly-owned.

🏛️

First Mortgage Direct Limited

Corporate parent · holds 50-75% shares

majority

⬇

M & R FM LTD

This company · 07968454

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

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
First Mortgage Direct Limited Corporate entity	50–75%	50–75%	50-75% shares · 50-75% voting	03/04/2025

2 historic (ceased) PSCs

Mr Ben Fulton Rileyceased 15/09/2025· 25-50% shares · 25-50% voting
Mr Philip Mcguireceased 15/09/2025· 25-50% shares · 25-50% voting

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

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AVERLEY INVESTMENTS LIMITED→ 14898143 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
B YOUNG CONSULTING LTD→ 13653052 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
BAR FINANCIAL SERVICES LTD→ 11314535 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
BEADNELL SHORE PROPERTIES LTD→ 15978313 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
BEDE WEALTH MANAGEMENT LIMITED→ 06836079 · est 2009 · no financials extracted	—	—	—	—	17y	—	—
BEL GROUP INVESTMENTS LIMITED→ 00334531 · est 1937 · no financials extracted	—	—	—	—	88y	—	—
BELL MORTGAGE SOLUTIONS LTD→ 14629745 · est 2023 · no financials extracted	—	—	—	—	3y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2012-02-28

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

14 Kensington Terrace

Gateshead

NE11 9SL

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-03-14

Last: 2026-02-28