MV FINANCE LTD
🏛️Establishedactive
SC552652 · ltd · incorporated 2016-12-15
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 Dec 2024
Net worth
£98.5k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 75/100. 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).
Data confidence
Overall: high (81/100)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
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
30 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £98,460
Cash YoY
+8%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£105k
↑ 7.8% YoY
Net Worth
£98k
↑ 18% YoY
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Cash | £104.7k | £97.1k |
| Net assets | £98.5k | £83.3k |
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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2025-05-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-11-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-11-24📄change-person-director-company-with-change-dateofficers · CH01
- 2022-09-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-01-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-08-19📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-06-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-01-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-12-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-12-06📄change-person-director-company-with-change-dateofficers · CH01
- 2019-12-06📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2019-12-06📄change-person-director-company-with-change-dateofficers · CH01
- 2019-09-09📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-12-15🏢Company incorporatedAs MV FINANCE LTD
- 2016-12-15➕CAIRNS, Steven appointeddirector
- 2016-12-15➕O'ROURKE, Thomas appointeddirector
Owner dependency
71/100
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 63 — approaching natural succession window.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Steven Cairns Individual · British · DOB 10/1976 · age 50 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 15/12/2016 |
Mr Thomas O'Rourke Individual · British · DOB 03/1963 · age 63 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 15/12/2016 |
1 historic (ceased) PSC
- Thomas O'Rourkeceased 15/12/2016· 25-50% shares
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 · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ARDMORE FINANCIAL PLANNING LIMITED→ SC363882 · est 2009 | — | — | — | 800 | 16y | 83 | 58y |
| ARCHIBALD MACINNES AND COMPANY LIMITED→ SC031316 · est 1956 | — | — | £1.24M | — | 70y | 82 | 76y |
| MORTGAGE INFORMATION CENTRE LIMITED→ SC233257 · est 2002 | — | — | £14.1k | — | 23y | 82 | 66y |
| A.J. OPTIONS LIMITED→ SC229017 · est 2002 | — | — | — | 400 | 24y | 80 | 70y |
| ANNIE DUNCAN LTD.→ SC289895 · est 2005 | — | — | £524 | — | 20y | 80 | 68y |
| AVETON GIFFORD ASSOCIATES LIMITED→ SC268741 · est 2004 | — | — | £348.5k | — | 21y | 80 | 67y |
| DAVID DOUGAN FINANCIAL SERVICES LIMITED→ SC350319 · est 2008 | — | — | £30.5k | — | 17y | 80 | 66y |
| EXECUTIVE BENEFIT SERVICES (U.K.) LIMITED→ SC054039 · est 1973 · no financials extracted | — | — | — | — | 52y | 80 | 71y |
| EXECUTIVE FINANCIAL SERVICES LIMITED→ SC280840 · est 2005 | — | — | £298.8k | — | 21y | 80 | 73y |
| F. P. BREEN LIMITED→ SC244307 · est 2003 | — | — | £2.2k | — | 23y | 80 | 60y |
| DUCKETT FAMILY INVESTMENTS LIMITED→ SC838585 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| GB FINANCIAL SERVICES LIMITED→ SC554846 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2016-12-15
Jurisdictionscotland
Primary SIC64910 — Financial leasing
Registered office
Ninian Road
Brownsburn Industrial Estate
Airdrie
ML6 9SE
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-06
Last: 2025-11-22
Officers (2 active · 0 resigned)
CAIRNS, Steven→
Activedirector · ~50y · appointed 2016-12-15
View their other companies + combined net worth →
O'ROURKE, Thomas→
Activedirector · ~63y · appointed 2016-12-15
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (30 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-20
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-04
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-25
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-24
change-person-director-company-with-change-date
officers · CH01
2022-11-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-01-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-01-21
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-29
accounts-with-accounts-type-dormant
accounts · AA
2021-08-19