ALEX MUNRO LIMITED

🌳Matureactive

SC088995 · ltd · incorporated 1984-07-23

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 39.6y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jun 2025

Net worth

—

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Other credit granting n.e.c.

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 74-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 39.6y

65/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 39.6 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 25/100 — workable, but lender will want more DD.

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

7 officers (2 active, 7 linked, 6 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

5 connected companies via shared directors

Filing history

103 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-06-30	2024-06-30
Average employees	100	100

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

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (25 events)Click to expand

2026-01-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-19
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-06
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-16
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-13
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-11-18
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-12-06
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-09-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-10-25
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-02-12
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-12-24
📄
capital-return-purchase-own-shares
capital · SH03
2015-12-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2015-12-02
➖
PURCELL, Brenda Lesley resigned
director
2015-10-15
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-10-15
📄
change-person-director-company-with-change-date
officers · CH01
2012-01-20
➖
PURCELL, Stanley resigned
secretary
2012-01-20
➖
PURCELL, Stanley resigned
director
2010-01-07
➕
ZINGER, Michael Winston appointed
director
2010-01-07
➖
ZINGER, Max resigned
director
1994-09-09
➕
ZINGER, Frederick appointed
director
1994-09-09
➕
PURCELL, Brenda Lesley appointed
director
1993-01-01
➖
ZINGER, Emanuel resigned
director
1986-09-25
🔒
Charge registered #1
Lender: The Governor and Company of the Bank of Scotland
1984-07-23
🏢
Company incorporated
As ALEX MUNRO LIMITED

Owner dependency

91/100

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

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 74 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 32 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 42 years old and no new directors in the last 3 years — succession not yet being planned internally.
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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Frederick Zinger Individual · United Kingdom · DOB 12/1962 · age 64	—	—	sig. influencesignificant influence	06/04/2016
Mr Michael Winston Zinger Individual · British · DOB 06/1952 · age 74	—	—	sig. influencesignificant influence	06/04/2016

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.

See pricing →

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ARGYLE INVESTMENTS LTD.→ SC408418 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
ARGYLE PLANNING LIMITED→ SC477671 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
ARGYLE PRIVATE OFFICE LTD→ SC454493 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
ARTHUR BEVERLY FINANCIAL MANAGEMENT LIMITED→ SC342744 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
ARTHUR J. GALLAGHER INSURANCE BROKERS LIMITED→ SC108909 · est 1988 · no financials extracted	—	—	—	—	38y	—	—

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

Incorporated1984-07-23

Jurisdictionscotland

Primary SIC64929 — Other credit granting n.e.c.

Registered office

52 Saint Enoch Square

Glasgow

Lanarkshire

G1 4AA

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2026-10-23

Last: 2025-10-09

Officers (2 active · 5 resigned)

ZINGER, Frederick→

director · ~64y · appointed 1994-09-09

View their other companies + combined net worth →

Active

ZINGER, Michael Winston→

director · ~74y · appointed 2010-01-07

View their other companies + combined net worth →

Active

PURCELL, Stanley→

secretary · resigned 2012-01-20

Resigned

PURCELL, Brenda Lesley→

director · ~83y · appointed 1994-09-09 · resigned 2015-12-02

Resigned

PURCELL, Stanley→

director · ~89y · resigned 2012-01-20

Resigned

ZINGER, Emanuel→

director · ~102y · resigned 1993-01-01

Resigned

ZINGER, Max→

director · ~101y · resigned 2010-01-07

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Bond & floating charge	1 property	25/09/1986	—

Click column headers to sort. Use filters above to narrow by status and lender.