MCM FINANCIAL LIMITED

💤Zombieactive
SC504450 · ltd · incorporated 2015-04-27
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
£33.1k
book net assets
Opportunity
73/100
Strong
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65300Pension funding
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 73/100 (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: strategic trade sale (65/100).

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, 2 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
2 officers (2 active, 2 linked, 1 with DOB)
80
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
23 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £33,127
Net assets shrinking
Down £2,243 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£33k
↓ 6.3% YoY
Current Assets
£44k
↑ 3.5% YoY
Current Liabilities
—
£0£9k£18k£26k£35k£44kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£34.7k£36.9k
Current assets£44.0k£42.5k
Net assets£33.1k£35.4k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

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 (17 events)Click to expand
  1. 2025-05-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-05-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-06-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-05-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-05-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2020-04-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2019-06-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2018-06-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2017-06-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2016-05-30
    📄
    capital-allotment-shares
    capital · SH01
  11. 2016-05-25
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-05-16
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  13. 2016-02-05
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  14. 2015-04-27
    🏢
    Company incorporated
    As MCM FINANCIAL LIMITED
  15. 2015-04-27
    ➕
    MCFARLANE, Carol Jane appointed
    secretary
  16. 2015-04-27
    ➕
    MCFARLANE, Rodney David appointed
    director
  17. 2015-04-27
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

80/100
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.
  • +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

50/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • 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 Rodney David Mcfarlane
Individual · British · DOB 12/1970 · age 56
75–100%
—75-100% shares06/04/2016

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.

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MOTOR FINANCE SCOTLAND LTD→
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MPE (G.P. IV GENERAL PARTNER) LIMITED→
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MPE (MANAGING PARTNER) LIMITED→
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MPE G.P. (SCOTLAND) LIMITED→
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————25y——
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
Incorporated2015-04-27
Jurisdictionscotland
Primary SIC65110 — Life insurance

Registered office

68 Gilberstoun
Edinburgh
EH15 2QY
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-05-11
Last: 2025-04-27

Officers (2 active · 0 resigned)

MCFARLANE, Carol Jane→
secretary · appointed 2015-04-27
View their other companies + combined net worth →
Active
MCFARLANE, Rodney David→
director · ~56y · appointed 2015-04-27
View their other companies + combined net worth →
Active

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

Recent filings (23 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-02
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-08
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-04
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-05
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-13
confirmation-statement-with-updates
confirmation-statement · CS01
2021-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-04-30
accounts-with-accounts-type-micro-entity
accounts · AA
2020-04-27
accounts-with-accounts-type-micro-entity
accounts · AA
2019-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-05-01
accounts-with-accounts-type-micro-entity
accounts · AA
2018-06-12