EXCEL MORTGAGES UK LIMITED

🌳Matureactive
06397877 · ltd · incorporated 2007-10-12
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
—
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 81/100 (exceptional), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (76/100)

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
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
56 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
85
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 accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Dec 2024Dec 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-12-312024-12-31
Average employees200200

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 accounts
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
  1. 2026-01-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-02-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-10-24
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  4. 2024-10-24
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2024-02-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2024-02-01
    ➕
    FIELD, Hayley Jane appointed
    director
  7. 2024-02-01
    ➕
    STRICH, Karen Ann appointed
    director
  8. 2023-04-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2022-10-26
    📍
    move-registers-to-sail-company-with-new-address
    address · AD03
  10. 2022-10-26
    📍
    change-sail-address-company-with-new-address
    address · AD02
  11. 2022-10-25
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2022-10-25
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2022-03-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2022-02-07
    📄
    resolution
    resolution · RESOLUTIONS
  15. 2022-02-03
    📄
    capital-name-of-class-of-shares
    capital · SH08
  16. 2021-02-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2020-10-29
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  18. 2020-10-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2020-01-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2019-05-24
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  21. 2008-06-10
    ➖
    SMITH, Kerry resigned
    secretary
  22. 2008-03-15
    ➖
    SILVERMACE SECRETARIAL LIMITED resigned
    corporate-secretary
  23. 2008-03-13
    ➕
    STRICH, Laurence David appointed
    director
  24. 2008-03-13
    ➖
    SILVERMACE CORPORATE SERVICES LIMITED resigned
    corporate-director
  25. 2007-10-12
    🏢
    Company incorporated
    As EXCEL MORTGAGES UK LIMITED
  26. 2007-10-12
    ➕
    SMITH, Kerry appointed
    secretary
  27. 2007-10-12
    ➕
    SILVERMACE SECRETARIAL LIMITED appointed
    corporate-secretary
  28. 2007-10-12
    ➕
    SILVERMACE CORPORATE SERVICES LIMITED appointed
    corporate-director

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

53/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
  • secondary12+ year tenure: Director in role 18 years.
  • 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 Laurence David Strich
Individual · British · DOB 10/1970 · age 56
75–100%
75–100%board control75-100% shares · 75-100% voting · board control01/06/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2007-10-12
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Marlowe Innovation Centre
Marlowe Way
Ramsgate
Kent
CT12 6FA
England

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-10-25
Last: 2025-10-11

Officers (3 active · 3 resigned)

FIELD, Hayley Jane→
director · ~42y · appointed 2024-02-01
View their other companies + combined net worth →
Active
STRICH, Karen Ann→
director · ~60y · appointed 2024-02-01
View their other companies + combined net worth →
Active
STRICH, Laurence David→
director · ~56y · appointed 2008-03-13
View their other companies + combined net worth →
Active
SMITH, Kerry→
secretary · appointed 2007-10-12 · resigned 2008-06-10
Resigned
SILVERMACE SECRETARIAL LIMITED→
corporate-secretary · appointed 2007-10-12 · resigned 2008-03-15
Resigned
SILVERMACE CORPORATE SERVICES LIMITED→
corporate-director · appointed 2007-10-12 · resigned 2008-03-13
Resigned

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

Recent filings (56 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-20
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-24
appoint-person-director-company-with-name-date
officers · AP01
2024-10-24
appoint-person-director-company-with-name-date
officers · AP01
2024-10-24
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-06
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-13
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-12
move-registers-to-sail-company-with-new-address
address · AD03
2022-10-26
change-sail-address-company-with-new-address
address · AD02
2022-10-26
confirmation-statement-with-updates
confirmation-statement · CS01
2022-10-25
change-person-director-company-with-change-date
officers · CH01
2022-10-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-25
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-03