TKMB LTD

💤Zombieactive
SC475911 · ltd · incorporated 2014-04-23
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 Apr 2025
Net worth
book net assets
Opportunity
78/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. 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 (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
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
26 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities
£0£0£0£0£0£0Apr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-302024-04-30
Average employees1100

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
2
filings
  • 1 confirmation-statement
  • 1 accounts
Last 90 days
2
filings
  • 1 confirmation-statement
  • 1 accounts
Last 180 days
2
filings
  • 1 confirmation-statement
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
  1. 2026-04-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-01-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-05-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2023-05-03
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2023-01-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-03-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-03-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2020-01-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2019-01-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2018-01-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2017-01-31
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-06-08
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2016-01-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-04-29
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2014-04-23
    🏢
    Company incorporated
    As TKMB LTD
  17. 2014-04-23
    KELLY, Susan Tracey appointed
    director

Owner dependency

88/100
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.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.
  • +No director turnover: Company is 12 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 63. 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 12 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
Ms Susan Tracey Kelly
Individual · British · DOB 07/1963 · age 63
75100%
75–100%75-100% shares · 75-100% voting06/04/2016

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

Similar companies

Active · Financial services · KA postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
CHRISTIE FINANCIAL PLANNING LIMITED
SC189743 · est 1998
£162.2k27y8265y
JMC FINANCIAL SERVICES LIMITED
SC245180 · est 2003
£17.1k23y8258y
KEN BINNIE FINANCIAL LIMITED
SC244778 · est 2003
£25323y8266y
PACIFIC SHELF 1272 LIMITED
SC267459 · est 2004
122y8277y
A G FINANCE (SCOTLAND) LIMITED
SC281499 · est 2005
1121y8064y
ACMCA LIMITED
SC234784 · est 2002
£19.7k23y8071y
ALAN R. MACKAY & COMPANY LIMITED
SC114821 · est 1988
3737y8058y
AYRSHIRE FINANCIAL SERVICES LTD.
SC209344 · est 2000
£85.3k25y8060y
B.P.D. SOLUTIONS LTD
SC396317 · est 2011
£215y8066y
DAVID MUNRO FINANCIAL SERVICES LIMITED
SC350315 · est 2008
£47.9k17y8062y
JIM WYLIE MORTGAGE & FINANCIAL SERVICES LIMITED
SC246054 · est 2003
£180.3k23y8062y
KEN NAIRN LTD
SC394820 · est 2011
£178.0k15y8062y
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
Incorporated2014-04-23
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies

Registered office

1 Simonsburn Road
Kilmarnock
KA1 5LA

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-05-07
Last: 2026-04-23

Officers (1 active · 0 resigned)

KELLY, Susan Tracey
director · ~63y · appointed 2014-04-23
View their other companies + combined net worth →
Active

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

Recent filings (26 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-15
accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-24
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-06
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-03
change-person-director-company-with-change-date
officers · CH01
2023-05-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-05-03
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-26
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-05
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-15