DAVID MUNRO FINANCIAL SERVICES LIMITED

💤Zombieactive

SC350315 · ltd · incorporated 2008-10-23

Investment thesis

Zombie company — trading but stalled; unlikely mover.

Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.

Why risky: No growth signal; thin margin for error on price.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£47.9k

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Life insurance

Sector: Financial & insurance

ALSO REGISTERED FOR

65201Life reinsurance

Investor take

Pursue

Asset-holding vehicle with a 62-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 62). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (76/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 2 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 1 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

Network not yet resolved

Filing history

40 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Positive net assets

Net assets £47,857

Net assets shrinking

Down £616 YoY

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£48k

↓ 1.3% YoY

Current Assets

£60k

↑ 1.5% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-03-31	2024-03-31
Total assets	£47.9k	£48.5k
Current assets	£60.1k	£59.2k
Net assets	£47.9k	£48.5k

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

filings

Last 90 days

filings

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement
• 1 persons-with-significant-control

Counts from Companies House filing history.

Corporate timeline (16 events)Click to expand

2025-12-16
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-06
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-12-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-15
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-07
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-02-24
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-24
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-12-24
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-07-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-05-18
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-11-20
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-06-02
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2008-10-23
🏢
Company incorporated
As DAVID MUNRO FINANCIAL SERVICES LIMITED
2008-10-23
➕
MUNRO, David appointed
secretary
2008-10-23
➕
MUNRO, David appointed
director

Owner dependency

100/100

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

+Sole director: Only one active director — all governance concentrated on one person.
+Founder name in company name: Company name contains director surname "MUNRO" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 62 — approaching natural succession window.
+No director turnover: Company is 18 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

78/100

Likely off-market candidate

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
secondary12+ year tenure: Director in role 18 years.
secondaryStable-but-static management: Company is 18 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.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr David Munro Individual · British · DOB 06/1964 · age 62	75–100%	75–100%	75-100% shares · 75-100% voting	06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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A G FINANCE (SCOTLAND) LIMITED→ SC281499 · est 2005	—	—	—	11	21y	80	64y
ACMCA LIMITED→ SC234784 · est 2002	—	—	£19.7k	—	23y	80	71y
ALAN R. MACKAY & COMPANY LIMITED→ SC114821 · est 1988	—	—	—	37	37y	80	58y
AYRSHIRE FINANCIAL SERVICES LTD.→ SC209344 · est 2000	—	—	£85.3k	—	25y	80	60y
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JIM WYLIE MORTGAGE & FINANCIAL SERVICES LIMITED→ SC246054 · est 2003	—	—	£180.3k	—	23y	80	62y
KEN NAIRN LTD→ SC394820 · est 2011	—	—	£178.0k	—	15y	80	62y
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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.

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Company details

Statusactive

Typeltd

Incorporated2008-10-23

Jurisdictionscotland

Primary SIC65110 — Life insurance

Registered office

31 Duart Avenue

Prestwick

KA9 1NA

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-11-20

Last: 2025-11-06

Officers (2 active · 0 resigned)

MUNRO, David→

secretary · appointed 2008-10-23

View their other companies + combined net worth →

Active

MUNRO, David→

director · ~62y · appointed 2008-10-23

View their other companies + combined net worth →

Active

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