FRASER HEATH MORTGAGE SERVICES LIMITED

🌳Matureactive
07394112 · ltd · incorporated 2010-10-01
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 Mar 2025
Net worth
£7.8k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 63-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (77/100)

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, 5 with DOB)
87
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
36 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.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £7,767
Net assets shrinking
Down £967 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£8k
↓ 11% YoY
Current Assets
£27k
↑ 30% YoY
Current Liabilities
—
£0£5k£11k£16k£21k£27kMar 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
Total assets£9.0k£9.9k
Current assets£26.6k£20.4k
Net assets£7.8k£8.7k

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
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2025-10-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-11-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-03-11
    📄
    capital-allotment-shares
    capital · SH01
  4. 2023-08-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-11-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-05-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-10-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-11-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2018-12-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2017-10-31
    ➖
    FLETCHER, Mark Andrew resigned
    director
  11. 2017-10-31
    ➖
    LOOMES, Alan Edward resigned
    director
  12. 2017-10-31
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2017-10-31
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2017-10-31
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2017-10-15
    ➖
    COLLIER, James Robert Edward resigned
    director
  16. 2017-10-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2016-12-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2010-10-01
    🏢
    Company incorporated
    As FRASER HEATH MORTGAGE SERVICES LIMITED
  19. 2010-10-01
    ➕
    SMITH, Rebecca appointed
    secretary
  20. 2010-10-01
    ➕
    SMITH, Rebecca Frances appointed
    director
  21. 2010-10-01
    ➕
    SMITH, Shaun Robert appointed
    director
  22. 2010-10-01
    ➕
    COLLIER, James Robert Edward appointed
    director
  23. 2010-10-01
    ➕
    FLETCHER, Mark Andrew appointed
    director
  24. 2010-10-01
    ➕
    LOOMES, Alan Edward appointed
    director

Owner dependency

84/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

79/100
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 63. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 16 years.
  • secondaryStable-but-static management: Company is 16 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Shaun Robert Smith
Individual · British · DOB 07/1963 · age 63
25–50%
25–50%board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence06/04/2016
Mrs Rebecca Frances Smith
Individual · British · DOB 01/1969 · age 57
25–50%
25–50%board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence06/04/2016

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 →
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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.

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Company details

Statusactive
Typeltd
Incorporated2010-10-01
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

9 Brooklea Oldland Common
Bristol
BS30 9SD

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-25
Last: 2026-03-11

Officers (3 active · 3 resigned)

SMITH, Rebecca→
secretary · appointed 2010-10-01
View their other companies + combined net worth →
Active
SMITH, Rebecca Frances→
director · ~57y · appointed 2010-10-01
View their other companies + combined net worth →
Active
SMITH, Shaun Robert→
director · ~63y · appointed 2010-10-01
View their other companies + combined net worth →
Active
COLLIER, James Robert Edward→
director · ~66y · appointed 2010-10-01 · resigned 2017-10-15
Resigned
FLETCHER, Mark Andrew→
director · ~63y · appointed 2010-10-01 · resigned 2017-10-31
Resigned
LOOMES, Alan Edward→
director · ~59y · appointed 2010-10-01 · resigned 2017-10-31
Resigned

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

Recent filings (36 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-13
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-09
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-11
capital-allotment-shares
capital · SH01
2024-03-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-02
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-30
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-03
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-19
accounts-with-accounts-type-micro-entity
accounts · AA
2020-10-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-03
accounts-with-accounts-type-micro-entity
accounts · AA
2019-11-22