FMD FINANCIAL SERVICES LIMITED

🌳Matureactive
SC221243 · ltd · incorporated 2001-07-16
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 80/100 (exceptional), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (78/100)

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
7 officers (2 active, 7 linked, 4 with DOB)
81
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
78 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
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£0Sept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-302023-09-30
Average employees700700

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
0
filings
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2025-05-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-09-05
    📄
    second-filing-of-confirmation-statement-with-made-up-date
    confirmation-statement · RP04CS01
  3. 2024-07-24
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2024-06-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-07-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  6. 2023-06-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-08-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2022-08-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2022-08-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2022-07-25
    ➕
    MCDONALD, David Gerard appointed
    director
  11. 2022-07-25
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2022-07-15
    ➖
    MCDONALD, David Gerard resigned
    director
  13. 2022-07-15
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2022-06-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2021-06-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2020-06-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2020-01-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  18. 2019-11-22
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  19. 2019-11-22
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  20. 2019-11-22
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  21. 2019-06-12
    ➕
    MCDONALD, David Gerard appointed
    director
  22. 2014-06-27
    ➖
    FOX, Brian Michael resigned
    secretary
  23. 2014-06-27
    ➖
    MCDONALD, Theresa resigned
    director
  24. 2004-08-02
    ➕
    MCDONALD, Theresa appointed
    director
  25. 2001-08-01
    ➕
    MCDONALD, Fettes appointed
    director
  26. 2001-08-01
    ➕
    FOX, Brian Michael appointed
    secretary
  27. 2001-08-01
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  28. 2001-08-01
    ➖
    JORDANS (SCOTLAND) LIMITED resigned
    corporate-nominee-director
  29. 2001-07-16
    🏢
    Company incorporated
    As FMD FINANCIAL SERVICES LIMITED
  30. 2001-07-16
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  31. 2001-07-16
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-nominee-director

Owner dependency

91/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

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 25 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — MCDONALD, David Gerard (same surname) appointed 2022-07-25. Pattern consistent with intra-family handover.
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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

Fmd Holdings Limited (Sc628149) is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Fmd Holdings Limited (Sc628149)
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
FMD FINANCIAL SERVICES LIMITED
This company · SC221243

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

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Fmd Holdings Limited (Sc628149)
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control15/11/2019
1 historic (ceased) PSC
  • Fmd Fs Holdings Ltdceased 15/11/2019· 75-100% shares

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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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

7 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
Incorporated2001-07-16
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

3 Clairmont Gardens
Glasgow
G3 7LW
Scotland

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-07-23
Last: 2025-07-09

Officers (2 active · 5 resigned)

MCDONALD, David Gerard→
director · ~39y · appointed 2022-07-25
View their other companies + combined net worth →
Active
MCDONALD, Fettes→
director · ~67y · appointed 2001-08-01
View their other companies + combined net worth →
Active
FOX, Brian Michael→
secretary · appointed 2001-08-01 · resigned 2014-06-27
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2001-07-16 · resigned 2001-08-01
Resigned
MCDONALD, David Gerard→
director · ~39y · appointed 2019-06-12 · resigned 2022-07-15
Resigned
MCDONALD, Theresa→
director · ~68y · appointed 2004-08-02 · resigned 2014-06-27
Resigned
JORDANS (SCOTLAND) LIMITED→
corporate-nominee-director · appointed 2001-07-16 · resigned 2001-08-01
Resigned

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

Recent filings (78 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-28
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-13
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2024-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-07-24
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-07-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-27
change-person-director-company-with-change-date
officers · CH01
2022-08-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-08-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-08-05
appoint-person-director-company-with-name-date
officers · AP01
2022-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-15
termination-director-company-with-name-termination-date
officers · TM01
2022-07-15