MONARCH FINANCIAL SERVICES LTD
💤Zombieactive
SC545540 · ltd · incorporated 2016-09-15
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
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Financial management
Sector: Professional, scientific & technical
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 80/100. 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 (58/100).
🏦
Refinance opportunity
1 live charge · oldest 3.8y
35/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.8 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (1 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
43 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | — | £376.6k |
| Current assets | — | £266.2k |
| Cash | — | £50.3k |
| Debtors | — | £215.9k |
| Net assets | — | £141.3k |
| Average employees | 10 | — |
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
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 accounts
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2025-12-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-17➖GREER, Claire resignedsecretary
- 2025-11-17📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-12-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-07📄change-person-secretary-company-with-change-dateofficers · CH03
- 2022-11-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-11-07📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-06-29🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2021-11-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-10-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-10-01📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-09-25📄resolutionresolution · RESOLUTIONS
- 2020-09-24📄change-person-secretary-company-with-change-dateofficers · CH03
- 2020-09-23➖GREER, Claire Elizabeth resigneddirector
- 2020-09-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-09-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-09-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-09-01➕GREER, Claire Elizabeth appointeddirector
- 2016-09-15🏢Company incorporatedAs MONARCH FINANCIAL SERVICES LTD
- 2016-09-15➕GREER, Iain James appointeddirector
- 2016-09-15➕GREER, Claire appointedsecretary
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
45/100
Moderate signalSome 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.
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 Iain James Greer Individual · British · DOB 01/1985 · age 41 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 15/09/2016 |
1 historic (ceased) PSC
- Mrs Claire Elizabeth Greerceased 23/09/2020· 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
Active · Professional services · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| PATON AVIATION LTD→ SC851441 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| PAUL R. WEBER LTD→ SC842275 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| PEMBRAYR LIMITED→ SC245273 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| PERUSAL CONSULTANCY LTD→ SC406476 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| PERUSAL NEXUS LIMITED→ SC858648 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| PETER DRUMMOND, ARCHITECT LTD→ SC334683 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| PIERI GRAHAM LTD.→ SC340456 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| PIERREPONT PROPERTY SERVICES LTD→ SC552628 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| PINNACLE PERSONNEL SOLUTIONS LTD→ SC868044 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| POSITIVELY LEGAL LIMITED→ SC220790 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| POWER TRUCK SERVICES (SCOTLAND) LIMITED→ SC868554 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| PPM SOLUTIONS (SCOTLAND) LTD→ SC462806 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
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
Incorporated2016-09-15
Jurisdictionscotland
Primary SIC70221 — Financial management
Registered office
Bank Chambers
42 Bank Street
Kilmarnock
East Ayrshire
KA1 1HA
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-15
Last: 2025-10-01
Officers (1 active · 2 resigned)
GREER, Iain James→
Activedirector · ~41y · appointed 2016-09-15
View their other companies + combined net worth →
GREER, Claire→
Resignedsecretary · appointed 2016-09-15 · resigned 2025-11-17
GREER, Claire Elizabeth→
Resigneddirector · ~40y · appointed 2018-09-01 · resigned 2020-09-23
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 | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 29/06/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (43 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-16
termination-secretary-company-with-name-termination-date
officers · TM02
2025-11-17
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-09
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-22
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-03
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-23
change-person-secretary-company-with-change-date
officers · CH03
2022-11-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-07
change-person-director-company-with-change-date
officers · CH01
2022-11-07
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-11-07
confirmation-statement-with-updates
confirmation-statement · CS01
2022-10-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-07-01
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-23