R M S FINANCIAL LTD
🌳Matureactive
SC525344 · ltd · incorporated 2016-01-28
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£350
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 78/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
1 live charge · oldest 0.1y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.1 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 23/100 — clean.
Data confidence
Overall: medium (73/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (2 active, 6 linked, 6 with DOB)
90
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
39 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
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £350
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
£350
Current Assets
£48k
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 |
|---|---|
| Total assets | £350 |
| Current assets | £48.5k |
| Net assets | £350 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
1
filing
- • 1 officers
Last 90 days
8
filings
- • 4 officers
- • 2 persons-with-significant-control
- • 1 accounts
Last 180 days
10
filings
- • 5 officers
- • 2 persons-with-significant-control
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
- 2026-04-02➖MURRAY, Richard Alan resigneddirector
- 2026-04-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-25📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2026-03-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-03-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-03-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-17➕AUGUSTIN, Kyle appointeddirector
- 2026-03-17➕MILES, Derek George appointeddirector
- 2026-03-17➖MURRAY, Mairi Dorothy resigneddirector
- 2026-03-17🔒Charge registered #1Lender: B.P.Marsh & Company Limited
- 2025-11-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-31➕MURRAY, Mairi Dorothy appointeddirector
- 2025-10-15➖MURRAY, Mairi Dorothy resigneddirector
- 2025-10-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-05-09📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2025-04-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-03📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-03-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-03-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-11-11📄accounts-amended-with-accounts-type-micro-entityaccounts · AAMD
- 2024-10-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-10-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-07-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-07-15➕MURRAY, Mairi Dorothy appointeddirector
- 2017-01-30➖DOCHERTY, Hugh Joseph resigneddirector
- 2016-01-28🏢Company incorporatedAs R M S FINANCIAL LTD
- 2016-01-28➕DOCHERTY, Hugh Joseph appointeddirector
- 2016-01-28➕MURRAY, Richard Alan appointeddirector
Owner dependency
66/100
High — earn-out structure requiredMaterial 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.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·3 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: MURRAY, Mairi Dorothy resigned 2026-03-17; MURRAY, Mairi Dorothy resigned 2025-10-15; MURRAY, Richard Alan resigned 2026-04-02
Group structure
Nine Edge Wealth Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Nine Edge Wealth Limited
Corporate parent · holds 75-100% shares · board control
⬇
R M S FINANCIAL LTD
This company · SC525344
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Nine Edge Wealth Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 17/03/2026 |
3 historic (ceased) PSCs
- Reid Murray Ltdceased 17/03/2026· 75-100% shares
- Mrs Mairi Dorothy Murrayceased 29/10/2024· 25-50% shares
- Mr Richard Alan Murrayceased 29/10/2024· 75-100% shares · 75-100% voting · board control
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
Active · Financial services · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| MANNERSTON INVESTMENTS LIMITED→ SC778442 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| MCINROY & WOOD LIMITED→ SC100377 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| MONEXO LTD→ SC833314 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| MORTGAGE FIXED LIMITED→ SC753999 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| MORTGAGE NEST LTD→ SC655747 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| MPE (G.P. IV GENERAL PARTNER) LIMITED→ SC384399 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| NAIRN INVESTMENTS LIMITED→ SC870779 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| NAM SOLUTIONS LIMITED→ SC391139 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| NEW VIKING INTERNATIONAL INVESTMENTS LIMITED→ SC870866 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| NEXTLIFE ENERGY LIMITED→ SC847837 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| NORTHERN STARS CORPORATION LIMITED→ SC216282 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
| OC I SCOTCO LIMITED→ SC828840 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2016-01-28
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
3a Merchiston Avenue
Edinburgh
EH10 4NT
Scotland
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-01-28
Last: 2026-01-14
Officers (2 active · 4 resigned)
AUGUSTIN, Kyle→
Activedirector · ~50y · appointed 2026-03-17
View their other companies + combined net worth →
MILES, Derek George→
Activedirector · ~59y · appointed 2026-03-17
View their other companies + combined net worth →
DOCHERTY, Hugh Joseph→
Resigneddirector · ~67y · appointed 2016-01-28 · resigned 2017-01-30
MURRAY, Mairi Dorothy→
Resigneddirector · ~56y · appointed 2025-10-31 · resigned 2026-03-17
MURRAY, Mairi Dorothy→
Resigneddirector · ~56y · appointed 2023-07-15 · resigned 2025-10-15
MURRAY, Richard Alan→
Resigneddirector · ~58y · appointed 2016-01-28 · resigned 2026-04-02
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | B.P.Marsh & Company B.P.Marsh & Company Limited | A registered charge | — | 17/03/2026 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (39 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-04-02
change-account-reference-date-company-current-shortened
accounts · AA01
2026-03-25
appoint-person-director-company-with-name-date
officers · AP01
2026-03-24
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-03-24
appoint-person-director-company-with-name-date
officers · AP01
2026-03-24
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-24
termination-director-company-with-name-termination-date
officers · TM01
2026-03-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-14
appoint-person-director-company-with-name-date
officers · AP01
2025-11-11
termination-director-company-with-name-termination-date
officers · TM01
2025-10-15
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2025-05-09
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-15
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-03-03
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-03