MONUMENT SSAS LIMITED
🌳Matureactive
SC496934 · ltd · incorporated 2015-02-05
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 8.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
£64.0k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Financial management
Sector: Professional, scientific & technical
Investor take
PursueAsset-holding vehicle with a 65-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 85/100. Strong seller-intent signal (73/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 8.6y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 8.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
52 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
75
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 102Positive net assets
Net assets £64,007
Net assets shrinking
Down £4,372 YoY
Cash YoY
+433%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£67k
↑ 433% YoY
Net Worth
£64k
↓ 6.4% YoY
Current Assets
£158k
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-02-28 | 2024-02-28 |
|---|---|---|
| Total assets | £100.0k | £123.7k |
| Current assets | £158.0k | £158.9k |
| Cash | £67.1k | £12.6k |
| Debtors | £90.9k | £116.3k |
| Net assets | £64.0k | £68.4k |
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 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2025-11-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-13🔓Charge satisfied #2
- 2025-06-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-06-10📄capital-allotment-sharescapital · SH01
- 2025-06-01➕WATT, Carolyn appointeddirector
- 2025-04-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-04-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-04-17📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-05📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-03-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-11-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-14📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-10-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-12-22📄change-person-director-company-with-change-dateofficers · CH01
- 2020-12-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-25➕BOYD, David Patrick Jordan appointeddirector
- 2018-04-30🔒Charge registered #2Lender: David John Boyd
- 2017-10-17🔓Charge satisfied #1
- 2017-10-06🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2015-02-27➖FAIRLAMB, Pauline resigneddirector
- 2015-02-24➕BOYD, David appointeddirector
- 2015-02-05🏢Company incorporatedAs MONUMENT SSAS LIMITED
- 2015-02-05➕FAIRLAMB, Pauline appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 65 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo 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 Boyd Individual · British · DOB 11/1961 · age 65 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
1 historic (ceased) PSC
- Executive Benefit Consultancy Limitedceased 06/04/2018· 25-50% shares · 25-50% voting
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 →Similar companies
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|---|---|---|---|---|---|---|---|
| MAPLE LEAF ARCHITECTURE LTD→ SC281819 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| MARTIN HENDERSON MANAGEMENT SERVICES LTD→ SC806665 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| MARVELLOUS MYCOLOGY LIMITED→ SC699594 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| MAXI STAFFING LTD→ SC834683 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| MCDOWELL ENGINEERING LIMITED→ SC248421 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| MCEACHERN ARCHITECTS LIMITED→ SC404061 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| MCINTYRE MARINE INSPECTIONS LTD→ SC866266 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| MENAPIA CONSULTING LIMITED→ SC492927 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| MIKERRY SOLUTIONS LIMITED→ SC371737 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| MOSTECH MECHANICAL SERVICES LTD→ SC872927 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| MOTION 4 TIME LTD→ SC553699 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
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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
Incorporated2015-02-05
Jurisdictionscotland
Primary SIC70221 — Financial management
Registered office
Office 8, Forrester Lodge
Inglewood
Alloa
FK10 2HU
Scotland
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-04-20
Last: 2026-04-06
Officers (3 active · 1 resigned)
BOYD, David Patrick Jordan→
Activedirector · ~39y · appointed 2018-05-25
View their other companies + combined net worth →
Active
WATT, Carolyn→
Activedirector · ~44y · appointed 2025-06-01
View their other companies + combined net worth →
FAIRLAMB, Pauline→
Resigneddirector · ~52y · appointed 2015-02-05 · resigned 2015-02-27
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | David John Boyd | A registered charge | — | 30/04/2018 | 13/06/2025 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 06/10/2017 | 17/10/2017 |
Recent filings (52 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-28
mortgage-satisfy-charge-full
mortgage · MR04
2025-06-13
appoint-person-director-company-with-name-date
officers · AP01
2025-06-10
capital-allotment-shares
capital · SH01
2025-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-17
change-person-director-company-with-change-date
officers · CH01
2025-04-17
change-person-director-company-with-change-date
officers · CH01
2025-03-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-03-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-30