MCD INDEPENDENT FINANCIAL ADVICE LTD
🏛️Establishedactive
10884104 · ltd · incorporated 2017-07-26
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
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
—
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 71/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (79/100)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
Confirmed no charges registered
85
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
28 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Average employees | 600 | 600 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2026-01-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-12-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-01-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-01-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-11-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-03-25📄capital-allotment-sharescapital · SH01
- 2019-03-25📄capital-allotment-sharescapital · SH01
- 2018-12-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-04-04📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2017-11-17➖DUNSTONE, Diane Susan Joy resigneddirector
- 2017-11-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2017-11-01➕RYDER, Ceridwen Igraine appointeddirector
- 2017-07-26🏢Company incorporatedAs MCD INDEPENDENT FINANCIAL ADVICE LTD
- 2017-07-26➕DUNSTONE, Martin Craig appointeddirector
- 2017-07-26➕DUNSTONE, Diane Susan Joy appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Ceridwen Igraine Ryder Individual · British · DOB 06/1987 · age 39 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 12/12/2024 |
Mr Martin Craig Dunstone Individual · British · DOB 10/1970 · age 56 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 26/07/2017 |
1 historic (ceased) PSC
- Mrs Diane Susan Joy Dunstoneceased 17/11/2017· 25-50% shares · 25-50% voting · firm interest
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 · Financial services · TQ postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| LOWRIE BROKERS LTD→ 16847168 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| M P WARREN LIMITED→ 04614572 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| MACAULAY CAPITAL PLC→ 14105915 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| MASKERY WM LTD→ 16642327 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| MERMAID MORTGAGES LTD→ 14375537 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| MERRYMEET (INVESTMENT) LIMITED→ 15351488 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| MOORLAND VIEW SOUTH WEST LIMITED→ 13684641 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| MORTGAGE ASSIST LIMITED→ 05099921 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| MORTGAGE CUBE LTD→ 11242709 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| MOUNTAIN EXCHANGE LIMITED→ 08338134 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| MRC BUSINESS FINANCE LTD→ 14811760 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| MSER PROPERTIES LTD→ 16944662 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2017-07-26
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
10 Montserrat Rise
Torquay
Devon
TQ2 7GP
England
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-04-12
Last: 2026-03-29
Officers (2 active · 1 resigned)
DUNSTONE, Martin Craig→
Activedirector · ~56y · appointed 2017-07-26
View their other companies + combined net worth →
RYDER, Ceridwen Igraine→
Activedirector · ~39y · appointed 2017-11-01
View their other companies + combined net worth →
DUNSTONE, Diane Susan Joy→
Resigneddirector · ~77y · appointed 2017-07-26 · resigned 2017-11-17
Click a director name to see their full track record across all companies.
Recent filings (28 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-31
accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-12-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-12-12
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-02
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-13
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-12
confirmation-statement-with-updates
confirmation-statement · CS01
2021-03-30
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-31