M&F FUNERAL SERVICES LIMITED

📉Decliningactive
SC365033 · ltd · incorporated 2009-09-03
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
drifting distress · 6-months
Drifting toward distress — expect more negotiability in 3–6 months, but also more friction.
  • · Lifecycle stage drifting downward
  • · Currently "declining"
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Other retail sale not in stores, stalls or markets
Sector: Wholesale & retail
ALSO REGISTERED FOR
  • 70100Activities of head offices
Investor take
Pursue
Conservative operator with a 61-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 61). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (78/100).

🏦

Refinance opportunity

1 live charge · oldest 5.8y

85/100
ready

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

  • · Oldest live charge is 5.8 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

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, 2 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
5 officers (3 active, 5 linked, 3 with DOB)
82
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
44 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
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 · FRS 102
Profitable
Profit before tax £222,456

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 · FRS 102
Metric2024-09-252023-09-25
Profit before tax£222.5k£284.8k
Average employees14001400

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
0
filings
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-03-28
    📄
    accounts-with-accounts-type-full
    accounts · AA
  2. 2025-01-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2025-01-17
    🔓
    Charge satisfied #1
  4. 2024-03-07
    📄
    accounts-with-accounts-type-full
    accounts · AA
  5. 2023-03-10
    📄
    accounts-with-accounts-type-full
    accounts · AA
  6. 2022-04-19
    📄
    accounts-with-accounts-type-small
    accounts · AA
  7. 2022-02-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2022-02-09
    ➕
    LEES, Rosalind appointed
    secretary
  9. 2022-02-09
    ➕
    GIVAN, Robert Thomas appointed
    director
  10. 2022-02-09
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  11. 2022-02-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2022-01-26
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  13. 2022-01-26
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2022-01-20
    ➖
    LEES, Thomas resigned
    secretary
  15. 2022-01-20
    ➖
    LEES, Thomas Alexander Gibson resigned
    director
  16. 2021-03-31
    📄
    accounts-with-accounts-type-small
    accounts · AA
  17. 2020-07-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2020-07-14
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  19. 2020-05-19
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  20. 2020-05-11
    📄
    resolution
    resolution · RESOLUTIONS
  21. 2019-04-11
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  22. 2018-05-28
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  23. 2009-09-03
    🏢
    Company incorporated
    As M&F FUNERAL SERVICES LIMITED
  24. 2009-09-03
    ➕
    LEES, Rosalind Bridges appointed
    director
  25. 2009-09-03
    ➕
    LEES, Thomas appointed
    secretary
  26. 2009-09-03
    ➕
    LEES, Thomas Alexander Gibson 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 17 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

69/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 17 years.
  • secondaryStable-but-static management: Company is 17 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

M&F (Scotland) is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
M&F (Scotland)
Corporate parent · holds 75-100% shares
ultimate parent
⬇
M&F FUNERAL SERVICES LIMITED
This company · SC365033

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
M&F (Scotland)
Corporate entity
75–100%
—75-100% shares03/09/2016

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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——200019y8363y
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——035y8577y
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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
Incorporated2009-09-03
Jurisdictionscotland
Primary SIC47990 — Other retail sale not in stores, stalls or markets

Registered office

Babs Court
4 Shorthope Street
Musselburgh
EH21 7DB

Filing status

Accounts
Next due: 2026-06-25
Last made up to: 2024-09-25
Confirmation statement
Next due: 2026-09-17
Last: 2025-09-03

Officers (3 active · 2 resigned)

LEES, Rosalind→
secretary · appointed 2022-02-09
View their other companies + combined net worth →
Active
GIVAN, Robert Thomas→
director · ~36y · appointed 2022-02-09
View their other companies + combined net worth →
Active
LEES, Rosalind Bridges→
director · ~61y · appointed 2009-09-03
View their other companies + combined net worth →
Active
LEES, Thomas→
secretary · appointed 2009-09-03 · resigned 2022-01-20
Resigned
LEES, Thomas Alexander Gibson→
director · ~79y · appointed 2009-09-03 · resigned 2022-01-20
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—14/07/202017/01/2025

Recent filings (44 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-03
accounts-with-accounts-type-full
accounts · AA
2025-03-28
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-10
accounts-with-accounts-type-full
accounts · AA
2024-03-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-05
accounts-with-accounts-type-full
accounts · AA
2023-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-08
accounts-with-accounts-type-small
accounts · AA
2022-04-19
change-person-director-company-with-change-date
officers · CH01
2022-02-21
appoint-person-secretary-company-with-name-date
officers · AP03
2022-02-09
appoint-person-director-company-with-name-date
officers · AP01
2022-02-09
termination-secretary-company-with-name-termination-date
officers · TM02
2022-01-26
termination-director-company-with-name-termination-date
officers · TM01
2022-01-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-03