MMMB LTD
🏛️Establishedactive
SC535541 · ltd · incorporated 2016-05-16
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 May 2024
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company 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: medium (78/100)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
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
Network not yet resolved
30
Filing history
21 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.
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 · accounting standard unknown| Metric | 2024-05-31 | 2023-05-31 |
|---|---|---|
| Average employees | 400 | 400 |
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
0
filings
Counts from Companies House filing history.
Corporate timeline (15 events)Click to expand
- 2025-02-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-31📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-05-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-02-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-01-15➕O'DONNELLY, Laura Angela appointeddirector
- 2020-02-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-08-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2019-01-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-02-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-05-16🏢Company incorporatedAs MMMB LTD
- 2016-05-16➕MCGINLAY, Marion Alexandra appointeddirector
- 2016-05-16📄incorporation-companyincorporation · NEWINC
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 58 — approaching natural succession window.
- +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.
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 58. Early succession window.
- 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 |
|---|---|---|---|---|
Mrs Laura Angela O'Donnelly Individual · British · DOB 07/1992 · age 34 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 15/01/2021 |
Mrs Marion Alexandra Mcginlay Individual · British · DOB 02/1968 · age 58 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 16/05/2016 |
1 historic (ceased) PSC
- Mr Thomas Mcginlayceased 16/05/2019· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| GMQ MORTGAGES LIMITED→ SC810642 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ICM7 LTD→ SC631006 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| JANE BALLANTYNE LIMITED→ SC295800 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| JFX TRADING NETWORK LTD→ SC847676 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JJSC INVESTMENT LTD→ SC855576 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JMC FINANCIAL SERVICES LIMITED→ SC245180 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| JOHN THOMSON CONSTRUCTION LIMITED→ SC071327 · est 1980 · no financials extracted | — | — | — | — | 45y | — | — |
| JUNIPER FINANCIAL PLANNING LTD→ SC787872 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| KEN BINNIE FINANCIAL LIMITED→ SC244778 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| LEVERAGE IP LTD.→ SC212452 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| MONARCHIA (AESTHETICS AND SAFETY) CONSULTANCY LTD→ SC801508 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| MORTGAGE ADVICE PARTNERSHIP LTD.→ SC309712 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
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
Incorporated2016-05-16
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies
Registered office
1 Simonsburn Road
Kilmarnock
KA1 5LA
Scotland
Filing status
Accounts
Next due: 2026-05-31
Last made up to: 2024-05-31
Confirmation statement
Next due: 2026-05-29
Last: 2025-05-15
Officers (2 active · 0 resigned)
MCGINLAY, Marion Alexandra→
Activedirector · ~58y · appointed 2016-05-16
View their other companies + combined net worth →
O'DONNELLY, Laura Angela→
Activedirector · ~34y · appointed 2021-01-15
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (21 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-15
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-16
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-17
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-27
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-05-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-31
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-20
confirmation-statement-with-updates
confirmation-statement · CS01
2021-06-17
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-03
appoint-person-director-company-with-name-date
officers · AP01
2021-02-11
confirmation-statement-with-updates
confirmation-statement · CS01
2020-05-24
accounts-with-accounts-type-micro-entity
accounts · AA
2020-02-24
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2019-08-14