DEMARCO MONEYMANAGEMENT LTD

💤Zombieactive
SC450665 · ltd · incorporated 2013-05-23
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.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2026
Net worth
£310.9k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 66-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 66). 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: high (84/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
Confirmed no charges registered
85
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
31 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £310,906

Key financials

3 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£311k
Current Assets
£322k
Current Liabilities
—
£0£64k£129k£193k£257k£322kMay 2024May 2025May 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2026-05-312025-05-312024-05-31
Total assets£313.4k——
Current assets£321.6k——
Net assets£310.9k——
Average employees—100100

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
1
filing
  • • 1 accounts
Last 90 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
  1. 2026-06-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-07-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-07-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-07-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-07-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-07-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-08-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-08-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2018-08-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-01-26
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2018-01-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2018-01-26
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2017-12-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2017-04-03
    📄
    capital-allotment-shares
    capital · SH01
  15. 2016-08-09
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2013-05-23
    🏢
    Company incorporated
    As DEMARCO MONEYMANAGEMENT LTD
  17. 2013-05-23
    ➕
    DEMARCO, Paul 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 "DEMARCO" — strong identity link between founder and business.
  • +Founder age: Director aged approximately 66 — succession pressure is live.
  • +No director turnover: Company is 13 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
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 13 years.
  • 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%
NameSharesVoting rightsNature of controlNotified
Mr Paul Demarco
Individual · British · DOB 07/1960 · age 66
75–100%
—75-100% shares06/04/2016

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

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NOBLE GROSSART LIMITED→
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————57y8372y
PAYPLAN (SCOTLAND) LIMITED→
SC400113 · est 2011 · no financials extracted
————15y8361y
PREMIER COMMERCIAL LIMITED→
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SC226461 · est 2001 · no financials extracted
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ALAN STEEL (ASSET MANAGEMENT) LIMITED→
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ALEX HAMMOND-CHAMBERS & COMPANY→
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————35y8284y
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2013-05-23
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies

Registered office

228 Gilberstoun
Edinburgh
EH15 2RG
Scotland

Filing status

Accounts
Next due: 2028-02-29
Last made up to: 2026-05-31
Confirmation statement
Next due: 2027-06-06
Last: 2026-05-23

Officers (1 active · 0 resigned)

DEMARCO, Paul→
director · ~66y · appointed 2013-05-23
View their other companies + combined net worth →
Active

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

Recent filings (31 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-06-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-05
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-23
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-23
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-31
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-27
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-01
accounts-with-accounts-type-micro-entity
accounts · AA
2020-08-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-25
accounts-with-accounts-type-micro-entity
accounts · AA
2019-08-29