MORTGAGE INNOVATIONS LTD
💤Zombieactive
06829490 · ltd · incorporated 2009-02-25
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2026
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueActive trading company with a 65-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 65). 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: 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
Confirmed no charges registered
85
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
38 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.
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 | 2026-02-28 | 2025-02-28 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
- 2026-04-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-09-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-09-20📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-03-16📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-03-03📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-06-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-03-03📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-06-17📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-06-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-08-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-09-07📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-04-11📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-04-09📄accounts-with-accounts-type-dormantaccounts · AA
- 2015-03-26📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-05-07📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2009-02-25🏢Company incorporatedAs MORTGAGE INNOVATIONS LTD
- 2009-02-25➕SWANN, Graham Charles appointeddirector
Owner dependency
100/100
Critical — business is the founderThe 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 17 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 65 — succession pressure is live.
- +No director turnover: Company is 17 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
88/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 17 years.
- secondaryStable-but-static management: Company is 17 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
cleanNo 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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Graham Charles Swann Individual · British · DOB 05/1961 · age 65 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 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 →Similar companies
Active · Financial services · HX postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| HOMES TO OWN MORTGAGES LTD→ 10807525 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| JOY X CAPITAL LTD→ 15871400 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| KR36 INVESTMENTS LIMITED→ 09840932 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| LOCKSIDE FIVE7 LIMITED→ 08666470 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| LSCO INVESTMENTS LIMITED→ 16255471 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| MJS WARD INVESTMENTS LTD→ 16196033 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| MOGUL SEARCH LTD→ 12793124 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| MOKOSZ LTD→ 16636480 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| MSDAA INNOVATIONS LIMITED→ 15174789 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| MSH PROPERTY PARTNERS LTD→ 16393071 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| MXLC (HOLDINGS) LTD→ 15649289 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| NAMARIE LIMITED→ 08271854 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
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
Incorporated2009-02-25
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
Innovations House
82 Southgate
Elland
HX5 0EP
Filing status
Accounts
Next due: 2027-11-30
Last made up to: 2026-02-28
Confirmation statement
Next due: 2027-03-11
Last: 2026-02-25
Officers (1 active · 0 resigned)
SWANN, Graham Charles→
Activedirector · ~65y · appointed 2009-02-25
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (38 total)
accounts-with-accounts-type-dormant
accounts · AA
2026-04-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-27
accounts-with-accounts-type-dormant
accounts · AA
2025-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-28
accounts-with-accounts-type-dormant
accounts · AA
2024-09-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-26
accounts-with-accounts-type-dormant
accounts · AA
2023-03-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-25
accounts-with-accounts-type-dormant
accounts · AA
2022-03-03
accounts-with-accounts-type-dormant
accounts · AA
2021-06-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-04
accounts-with-accounts-type-dormant
accounts · AA
2020-03-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-03
accounts-with-accounts-type-dormant
accounts · AA
2019-06-17