M & D FINANCIAL MANAGEMENT LIMITED

🌳Matureactive
NI049794 · ltd · incorporated 2004-02-24
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 20.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
83/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
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. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 20.5y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 20.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
10 officers (3 active, 10 linked, 7 with DOB)
84
Ownership & PSC
2 active PSC(s) of 6 total, 6 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
89 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£0Dec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Average employees600600

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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
1
filing
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
  1. 2026-01-21
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  2. 2026-01-19
    ➖
    KILPATRICK, Peter resigned
    director
  3. 2025-09-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-01-07
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  5. 2025-01-07
    📄
    capital-name-of-class-of-shares
    capital · SH08
  6. 2025-01-07
    📄
    memorandum-articles
    incorporation · MA
  7. 2025-01-07
    📄
    resolution
    resolution · RESOLUTIONS
  8. 2025-01-03
    ➖
    HORNER, Brian resigned
    director
  9. 2025-01-03
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  10. 2025-01-03
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  11. 2025-01-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  12. 2025-01-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  13. 2025-01-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  14. 2025-01-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2024-09-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2023-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2022-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2022-02-11
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  19. 2022-02-11
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  20. 2022-01-31
    ➖
    MURPHY, Paul resigned
    director
  21. 2021-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2020-09-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2019-05-07
    ➕
    HORNER, Brian David appointed
    director
  24. 2019-05-07
    ➕
    HORNER, John appointed
    director
  25. 2019-05-07
    ➖
    GAULT, George resigned
    secretary
  26. 2013-01-01
    ➖
    GRAHAM, Noel George resigned
    director
  27. 2006-01-01
    ➕
    KILPATRICK, Peter appointed
    director
  28. 2005-12-01
    🔒
    Charge registered #1
    Lender: Ulster Bank Limited
  29. 2005-10-06
    ➕
    CONVERY, Declan appointed
    director
  30. 2005-10-06
    ➕
    GRAHAM, Noel George appointed
    director
  31. 2005-10-06
    ➕
    MURPHY, Paul appointed
    director
  32. 2004-02-25
    ➕
    GAULT, George appointed
    secretary
  33. 2004-02-25
    ➖
    C.S. SECRETARIAL SERVICES LTD resigned
    corporate-secretary
  34. 2004-02-25
    ➕
    HORNER, Brian appointed
    director
  35. 2004-02-25
    ➖
    CS DIRECTOR SERVICES LIMITED resigned
    corporate-director
  36. 2004-02-24
    🏢
    Company incorporated
    As M & D FINANCIAL MANAGEMENT LIMITED
  37. 2004-02-24
    ➕
    C.S. SECRETARIAL SERVICES LTD appointed
    corporate-secretary
  38. 2004-02-24
    ➕
    CS DIRECTOR SERVICES LIMITED appointed
    corporate-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
  • +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

70/100
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.
  • primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 22 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.)

Group structure

2 corporate shareholders identified. Group structure is distributed.

🏛️
Convery Ms Ltd
Corporate parent · holds 25-50% shares
significant stake
🏛️
Horner Ltd
Corporate parent · holds 25-50% shares
significant stake
⬇
M & D FINANCIAL MANAGEMENT LIMITED
This company · NI049794

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

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Convery Ms Ltd
Corporate entity
25–50%
—25-50% shares03/01/2025
Horner Ltd
Corporate entity
25–50%
—25-50% shares03/01/2025
4 historic (ceased) PSCs
  • Mr Brian Hornerceased 03/01/2025· significant influence
  • Mr Peter Kilpatrickceased 03/01/2025· significant influence
  • Mr Declan Converyceased 03/01/2025· significant influence
  • Mr Paul Murphyceased 31/01/2022· significant influence

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 · BT postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
SEOPA LTD→
NI046322 · est 2003
£34.63M
£25.18M–£44.07M
£32.38M—750023y9051y
WILLIS & COMPANY (INSURANCE BROKERS) LIMITED→
NI032004 · est 1997
£21.84M
£15.89M–£27.80M
——980029y8781y
LODGE FINANCIAL ADVICE LIMITED→
NI045612 · est 2003
£716.5k
£521.1k–£911.9k
——823y8361y
ACKER DEVELOPMENTS LIMITED→
NI028267 · est 1994 · no financials extracted
————32y8360y
CREATION CONSUMER FINANCE LIMITED→
NI032565 · est 1997 · no financials extracted
————28y8367y
CRN FINANCIAL SERVICES LIMITED→
NI018912 · est 1985
——£178.8k—40y8364y
DRUMBEARN LIMITED→
NI054292 · est 2005 · no financials extracted
————21y8360y
GDP PARTNERSHIP LIMITED→
NI605327 · est 2010
——£8.9k—15y8362y
INSURE I LIMITED→
NI072940 · est 2009
——£1.62M—16y8366y
MCGRADY FINANCIAL SERVICES LIMITED→
NI032133 · est 1997
——£215.7k—29y8360y
MORTGAGE IQ LIMITED→
NI056126 · est 2005
——£18.4k—20y8358y
SAVAGE & PATTON (FINANCIAL SERVICES) LIMITED→
NI011459 · est 1976
——£397.5k—49y8364y
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
Incorporated2004-02-24
Jurisdictionnorthern-ireland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

M&D House
56 Newforge Lane
Belfast
BT9 5NW
Northern Ireland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-08-02
Last: 2025-07-19

Officers (3 active · 7 resigned)

CONVERY, Declan→
director · ~60y · appointed 2005-10-06
View their other companies + combined net worth →
Active
HORNER, Brian David→
director · ~40y · appointed 2019-05-07
View their other companies + combined net worth →
Active
HORNER, John→
director · ~47y · appointed 2019-05-07
View their other companies + combined net worth →
Active
GAULT, George→
secretary · appointed 2004-02-25 · resigned 2019-05-07
Resigned
C.S. SECRETARIAL SERVICES LTD→
corporate-secretary · appointed 2004-02-24 · resigned 2004-02-25
Resigned
GRAHAM, Noel George→
director · ~82y · appointed 2005-10-06 · resigned 2013-01-01
Resigned
HORNER, Brian→
director · ~76y · appointed 2004-02-25 · resigned 2025-01-03
Resigned
KILPATRICK, Peter→
director · ~56y · appointed 2006-01-01 · resigned 2026-01-19
Resigned
MURPHY, Paul→
director · ~61y · appointed 2005-10-06 · resigned 2022-01-31
Resigned
CS DIRECTOR SERVICES LIMITED→
corporate-director · appointed 2004-02-24 · resigned 2004-02-25
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
NatWest Group
Ulster Bank Limited
Debenture2 properties01/12/2005—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (89 total)

termination-director-company-with-name-termination-date
officers · TM01
2026-01-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-18
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-15
capital-variation-of-rights-attached-to-shares
capital · SH10
2025-01-07
capital-name-of-class-of-shares
capital · SH08
2025-01-07
memorandum-articles
incorporation · MA
2025-01-07
resolution
resolution · RESOLUTIONS
2025-01-07
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-01-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-01-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-01-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-01-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-01-03
termination-director-company-with-name-termination-date
officers · TM01
2025-01-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-02