MUNRO & NOBLE FINANCIAL SERVICES LIMITED

🌳Matureactive
SC227417 · ltd · incorporated 2002-01-28
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 Mar 2025
Net worth
—
book net assets
Opportunity
80/100
Exceptional
🔔
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 66-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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
10 officers (4 active, 10 linked, 6 with DOB)
82
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
66 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£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Average employees00

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
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2025-07-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-09-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-10-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-03-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2022-12-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-09-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-11-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-02-21
    ➕
    MCINTOSH, Gordon Henry appointed
    director
  9. 2020-02-21
    ➖
    MILLER, George Bruce resigned
    director
  10. 2020-02-21
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2020-02-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2019-09-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-10-04
    ➖
    HEWITSON, David John resigned
    director
  14. 2018-10-04
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2018-09-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-02-16
    ➕
    NIMMO, Mary appointed
    director
  17. 2018-02-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2017-11-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2017-06-19
    ➕
    HEWITSON, David John appointed
    director
  20. 2017-06-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  21. 2013-10-01
    ➕
    MUNRO & NOBLE appointed
    corporate-secretary
  22. 2013-09-01
    ➖
    EASON, David resigned
    secretary
  23. 2013-04-12
    ➖
    EASON, David resigned
    director
  24. 2013-04-12
    ➕
    MILLER, George Bruce appointed
    director
  25. 2010-08-17
    ➕
    EASON, David appointed
    director
  26. 2002-02-05
    ➕
    MUNRO AND NOBLE appointed
    corporate-director
  27. 2002-02-05
    ➕
    EASON, David appointed
    secretary
  28. 2002-02-05
    ➖
    MUNRO & NOBLE SOLICITORS resigned
    corporate-secretary
  29. 2002-02-05
    ➖
    EASON, David resigned
    director
  30. 2002-01-28
    🏢
    Company incorporated
    As MUNRO & NOBLE FINANCIAL SERVICES LIMITED
  31. 2002-01-28
    ➕
    MUNRO & NOBLE SOLICITORS appointed
    corporate-secretary
  32. 2002-01-28
    ➕
    EASON, David appointed
    director

Owner dependency

90/100
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
  • +Founder name in company name: Company name contains director surname "NOBLE" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 66 — succession pressure is live.

Succession & seller-readiness

80/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 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

Munro And Noble is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Munro And Noble
Corporate parent · holds 75-100% shares
ultimate parent
⬇
MUNRO & NOBLE FINANCIAL SERVICES LIMITED
This company · SC227417

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
Munro And Noble
Corporate entity
75–100%
—75-100% shares06/04/2016

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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————19y8063y
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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
Incorporated2002-01-28
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

26 Church Street Munro & Noble
26 Church Street
Inverness
Highland
IV1 1HX
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-07
Last: 2026-01-24

Officers (4 active · 6 resigned)

MUNRO & NOBLE→
corporate-secretary · appointed 2013-10-01
View their other companies + combined net worth →
Active
MCINTOSH, Gordon Henry→
director · ~66y · appointed 2020-02-21
View their other companies + combined net worth →
Active
NIMMO, Mary→
director · ~53y · appointed 2018-02-16
View their other companies + combined net worth →
Active
MUNRO AND NOBLE→
corporate-director · appointed 2002-02-05
View their other companies + combined net worth →
Active
EASON, David→
secretary · appointed 2002-02-05 · resigned 2013-09-01
Resigned
MUNRO & NOBLE SOLICITORS→
corporate-secretary · appointed 2002-01-28 · resigned 2002-02-05
Resigned
EASON, David→
director · ~80y · appointed 2010-08-17 · resigned 2013-04-12
Resigned
EASON, David→
director · ~80y · appointed 2002-01-28 · resigned 2002-02-05
Resigned
HEWITSON, David John→
director · ~69y · appointed 2017-06-19 · resigned 2018-10-04
Resigned
MILLER, George Bruce→
director · ~72y · appointed 2013-04-12 · resigned 2020-02-21
Resigned

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

Recent filings (66 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-24
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-03-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-24
termination-director-company-with-name-termination-date
officers · TM01
2020-02-21
appoint-person-director-company-with-name-date
officers · AP01
2020-02-21