MCGRADY FINANCIAL SERVICES LIMITED

🌳Matureactive
NI032133 · ltd · incorporated 1997-03-20
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 20.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
£215.7k
book net assets
Opportunity
83/100
Exceptional
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What this business does

Based in Downpatrick, Northern Ireland, this long-established firm most likely provides day-to-day support services to insurance and pension businesses — such as claims handling, broking administration, or policy management — operating as an intermediary or back-office auxiliary rather than underwriting risk directly.

Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 60-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 60). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 20.0y

70/100
ready

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

  • · Oldest live charge is 20.0 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
10 officers (3 active, 10 linked, 7 with DOB)
84
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
98 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.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £215,674
Cash YoY
+5%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£234k
↑ 5.1% YoY
Net Worth
£216k
↑ 31% YoY
Current Assets
£250k
↑ 3.9% YoY
Current Liabilities
—
£0£50k£100k£150k£200k£250kAug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-08-312024-08-31
Total assets£344.4k£191.6k
Current assets£250.5k£241.1k
Cash£234.5k£223.0k
Net assets£215.7k£164.3k

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
1
filing
  • • 1 officers
Last 90 days
2
filings
  • • 1 officers
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 officers
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
  1. 2026-05-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  2. 2026-04-20
    ➕
    MCKILLOP, Duncan Louis James, Mr. appointed
    director
  3. 2025-10-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2024-12-10
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2023-10-04
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2022-10-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2021-11-16
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2021-05-05
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  9. 2021-05-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2020-10-08
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2019-12-17
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2019-12-12
    🔒
    Charge registered #2
    Lender: Northern Bank Limited
  13. 2019-10-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-10-05
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  15. 2017-10-17
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  16. 2016-10-19
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2016-03-25
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  18. 2015-05-08
    ➖
    MCCRICKARD, Catherine resigned
    director
  19. 2015-02-28
    ➕
    MCCRICKARD, Catherine appointed
    director
  20. 2010-09-13
    🔓
    Charge satisfied #1
  21. 2010-09-01
    ➕
    MCCRICKARD, Catherine appointed
    secretary
  22. 2010-09-01
    ➕
    MCCRICKARD, Philip appointed
    director
  23. 2010-09-01
    ➖
    ARMSTRONG, Robert James resigned
    secretary
  24. 2010-09-01
    ➖
    ARMSTRONG, Roy resigned
    director
  25. 2010-09-01
    ➖
    GIBSON, Lisette Deborah resigned
    director
  26. 2008-07-31
    ➕
    GIBSON, Lisette Deborah appointed
    director
  27. 2006-05-19
    🔒
    Charge registered #1
    Lender: Aib Group (UK) PLC
  28. 2004-11-19
    ➕
    ARMSTRONG, Robert James appointed
    secretary
  29. 2004-11-01
    ➖
    ARMSTRONG, Denise Jean resigned
    secretary
  30. 2003-02-01
    ➖
    MCGRADY, Fintan John resigned
    director
  31. 2003-02-01
    ➖
    MCGRADY, Malachy Bernard resigned
    director
  32. 1997-03-20
    🏢
    Company incorporated
    As MCGRADY FINANCIAL SERVICES LIMITED
  33. 1997-03-20
    ➕
    ARMSTRONG, Denise Jean appointed
    secretary
  34. 1997-03-20
    ➕
    ARMSTRONG, Roy appointed
    director
  35. 1997-03-20
    ➕
    MCGRADY, Fintan John appointed
    director
  36. 1997-03-20
    ➕
    MCGRADY, Malachy Bernard appointed
    director

Owner dependency

76/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.

Succession & seller-readiness

59/100
Strong succession signal

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

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.
  • secondary12+ year tenure: Director in role 16 years.
  • 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.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Catherine Mccrickard
Individual · Northern Irish · DOB 10/1976 · age 50
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Philip Mccrickard
Individual · Irish · DOB 05/1974 · age 52
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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————12y——
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
Incorporated1997-03-20
Jurisdictionnorthern-ireland
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

33 St. Patricks Avenue
Downpatrick
Co Down
BT30 6DW

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2027-04-03
Last: 2026-03-20

Officers (3 active · 7 resigned)

MCCRICKARD, Catherine→
secretary · appointed 2010-09-01
View their other companies + combined net worth →
Active
MCCRICKARD, Philip→
director · ~52y · appointed 2010-09-01
View their other companies + combined net worth →
Active
MCKILLOP, Duncan Louis James, Mr.→
director · ~60y · appointed 2026-04-20
View their other companies + combined net worth →
Active
ARMSTRONG, Denise Jean→
secretary · appointed 1997-03-20 · resigned 2004-11-01
Resigned
ARMSTRONG, Robert James→
secretary · appointed 2004-11-19 · resigned 2010-09-01
Resigned
ARMSTRONG, Roy→
director · ~58y · appointed 1997-03-20 · resigned 2010-09-01
Resigned
GIBSON, Lisette Deborah→
director · ~58y · appointed 2008-07-31 · resigned 2010-09-01
Resigned
MCCRICKARD, Catherine→
director · ~50y · appointed 2015-02-28 · resigned 2015-05-08
Resigned
MCGRADY, Fintan John→
director · ~69y · appointed 1997-03-20 · resigned 2003-02-01
Resigned
MCGRADY, Malachy Bernard→
director · ~100y · appointed 1997-03-20 · resigned 2003-02-01
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Northern Bank
Northern Bank Limited
A registered charge1 property12/12/2019—
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Debenture1 property19/05/200613/09/2010
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (98 total)

appoint-person-director-company-with-name-date
officers · AP01
2026-05-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-10-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-12-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-10-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-07
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-11-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-05
change-person-secretary-company-with-change-date
officers · CH03
2021-05-05
change-person-director-company-with-change-date
officers · CH01
2021-05-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-10-08