JLM MORTGAGE NETWORK LTD

🌳Matureactive
04701803 · ltd · incorporated 2003-03-18
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 7.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

2 live charges · oldest 7.6y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 7.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (82/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 3 with DOB)
79
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
92 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
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 accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31

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 (33 events)Click to expand
  1. 2025-12-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-09-17
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-07-08
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  4. 2024-12-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-07-04
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  6. 2024-07-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  7. 2024-07-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  8. 2024-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2023-03-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-12-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-11-15
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  12. 2021-02-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2020-02-27
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2020-02-26
    ➕
    MURPHY, Sebastian Allen appointed
    director
  15. 2019-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2019-12-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2019-12-02
    🔒
    Charge registered #2
    Lender: Lloyds Bank PLC
  18. 2019-09-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  19. 2019-09-03
    🔓
    Charge satisfied #1
  20. 2019-04-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  21. 2018-12-31
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  22. 2008-05-19
    ➖
    MURPHY, Brenda Denise resigned
    secretary
  23. 2008-05-19
    ➖
    MURPHY, Sebastian Allen resigned
    director
  24. 2005-06-15
    ➕
    JOSEPH, Rory Rajan appointed
    director
  25. 2004-01-07
    ➖
    DARE, Georgina resigned
    secretary
  26. 2004-01-07
    ➕
    MURPHY, Brenda Denise appointed
    secretary
  27. 2003-03-20
    ➕
    DARE, Georgina appointed
    secretary
  28. 2003-03-20
    ➖
    NWL SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  29. 2003-03-20
    ➕
    MURPHY, Sebastian Allen appointed
    director
  30. 2003-03-20
    ➖
    NWL NOMINEES LIMITED resigned
    corporate-nominee-director
  31. 2003-03-18
    🏢
    Company incorporated
    As JLM MORTGAGE NETWORK LTD
  32. 2003-03-18
    ➕
    NWL SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  33. 2003-03-18
    ➕
    NWL NOMINEES LIMITED appointed
    corporate-nominee-director

Owner dependency

68/100
High — earn-out structure required

Material 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.
  • +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

66/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 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.)

Group structure

Charlie Puffin Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Charlie Puffin Group Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
JLM MORTGAGE NETWORK LTD
This company · 04701803

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Charlie Puffin Group Limited
Corporate entity
75–100%
—75-100% shares14/06/2024
2 historic (ceased) PSCs
  • Mr Rory Rajan Josephceased 14/06/2024· 25-50% shares
  • Mrs Hayley Josephceased 14/06/2024· 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

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
Incorporated2003-03-18
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

122 Whinbush Road
Hitchin
SG5 1PN
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-13
Last: 2026-03-30

Officers (2 active · 5 resigned)

JOSEPH, Rory Rajan→
director · ~55y · appointed 2005-06-15
View their other companies + combined net worth →
Active
MURPHY, Sebastian Allen→
director · ~52y · appointed 2020-02-26
View their other companies + combined net worth →
Active
DARE, Georgina→
secretary · appointed 2003-03-20 · resigned 2004-01-07
Resigned
MURPHY, Brenda Denise→
secretary · appointed 2004-01-07 · resigned 2008-05-19
Resigned
NWL SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2003-03-18 · resigned 2003-03-20
Resigned
MURPHY, Sebastian Allen→
director · ~52y · appointed 2003-03-20 · resigned 2008-05-19
Resigned
NWL NOMINEES LIMITED→
corporate-nominee-director · appointed 2003-03-18 · resigned 2003-03-20
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property02/12/2019—
satisfied
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property31/12/201803/09/2019
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (92 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-31
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-07-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-31
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-07-04
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-07-04
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-07-04
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-31
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-27
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-18
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-06