EDEN MORTGAGES LIMITED

💤Zombieactive
04352612 · ltd · incorporated 2002-01-14
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.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
🔔
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65110Life insurance
  • 65120Non-life insurance
Investor take
Pursue
Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 67). 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 (73/100).

Data confidence

Overall: medium (55/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 3 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
9 officers (1 active, 9 linked, 4 with DOB)
79
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
76 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

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 (32 events)Click to expand
  1. 2025-08-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-09-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-07-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-02-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2021-02-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-05-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-02-07
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2020-02-07
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  10. 2020-02-07
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  11. 2020-01-25
    ➖
    HILL, Nicholas Ritchie resigned
    secretary
  12. 2020-01-25
    ➖
    HILL, Nicholas Ritchie resigned
    director
  13. 2019-02-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2018-01-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2017-03-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2016-08-04
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2005-02-22
    ➖
    HILL, Karen resigned
    secretary
  18. 2005-02-22
    ➕
    HILL, Nicholas Ritchie appointed
    secretary
  19. 2005-02-22
    ➖
    HILL, Karen resigned
    director
  20. 2005-02-22
    ➕
    HILL, Nicholas Ritchie appointed
    director
  21. 2004-02-05
    ➕
    HILL, Karen appointed
    secretary
  22. 2004-02-05
    ➖
    HILL, Nicholas Ritchie resigned
    secretary
  23. 2004-02-05
    ➕
    HILL, Karen appointed
    director
  24. 2004-02-05
    ➖
    HILL, Nicholas Ritchie resigned
    director
  25. 2002-01-14
    🏢
    Company incorporated
    As EDEN MORTGAGES LIMITED
  26. 2002-01-14
    ➕
    DICKSON, Alan Richard appointed
    director
  27. 2002-01-14
    ➕
    HILL, Nicholas Ritchie appointed
    secretary
  28. 2002-01-14
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  29. 2002-01-14
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary
  30. 2002-01-14
    ➕
    HILL, Nicholas Ritchie appointed
    director
  31. 2002-01-14
    ➕
    INSTANT COMPANIES LIMITED appointed
    corporate-nominee-director
  32. 2002-01-14
    ➖
    INSTANT COMPANIES LIMITED resigned
    corporate-nominee-director

Owner dependency

100/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

95/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Alan Richard Dickson
Individual · Irish · DOB 03/1959 · age 67
75–100%
—75-100% shares30/10/2016
1 historic (ceased) PSC
  • Mr Nicholas Ritchie Hillceased 25/01/2020· 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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2002-01-14
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

11 West Lane
Penrith
Cumbria
CA11 7DP

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-03
Last: 2026-02-17

Officers (1 active · 8 resigned)

DICKSON, Alan Richard→
director · ~67y · appointed 2002-01-14
View their other companies + combined net worth →
Active
HILL, Karen→
secretary · appointed 2004-02-05 · resigned 2005-02-22
Resigned
HILL, Nicholas Ritchie→
secretary · appointed 2005-02-22 · resigned 2020-01-25
Resigned
HILL, Nicholas Ritchie→
secretary · appointed 2002-01-14 · resigned 2004-02-05
Resigned
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 2002-01-14 · resigned 2002-01-14
Resigned
HILL, Karen→
director · ~62y · appointed 2004-02-05 · resigned 2005-02-22
Resigned
HILL, Nicholas Ritchie→
director · ~75y · appointed 2005-02-22 · resigned 2020-01-25
Resigned
HILL, Nicholas Ritchie→
director · ~75y · appointed 2002-01-14 · resigned 2004-02-05
Resigned
INSTANT COMPANIES LIMITED→
corporate-nominee-director · appointed 2002-01-14 · resigned 2002-01-14
Resigned

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

Recent filings (76 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-17
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-18
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-17
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-24
confirmation-statement-with-updates
confirmation-statement · CS01
2021-02-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-02-17
accounts-with-accounts-type-micro-entity
accounts · AA
2021-02-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-11
accounts-with-accounts-type-micro-entity
accounts · AA
2020-05-18
termination-director-company-with-name-termination-date
officers · TM01
2020-02-07