JAN O'NEILL MORTGAGES LIMITED

💤Zombieactive
07915146 · ltd · incorporated 2012-01-18
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 Jan 2026
Net worth
£7.5k
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (65/100).

Data confidence

Overall: medium (78/100)

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
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 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
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
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 £7,546

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£8k
↑ 66% YoY
Current Assets
£103k
↑ 27% YoY
Current Liabilities
—
£0£21k£41k£62k£82k£103kJan 2025Jan 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-01-312025-01-31
Total assets£7.5k£7.1k
Current assets£102.6k£80.6k
Net assets£7.5k£4.6k

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
1
filing
  • • 1 officers
Last 90 days
1
filing
  • • 1 officers
Last 180 days
8
filings
  • • 3 officers
  • • 2 confirmation-statement
  • • 2 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2026-07-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2026-04-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2026-02-03
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  4. 2026-02-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  5. 2026-02-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2026-02-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2026-02-01
    ➕
    WORDSWORTH, Catherine Francis Nichola appointed
    director
  8. 2026-02-01
    ➖
    O'NEILL, Janet Margaret resigned
    director
  9. 2025-06-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2024-07-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2024-03-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2023-05-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2022-10-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2021-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2020-09-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2019-10-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2018-06-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2012-01-18
    🏢
    Company incorporated
    As JAN O'NEILL MORTGAGES LIMITED
  19. 2012-01-18
    ➕
    O'NEILL, Janet Margaret appointed
    director

Owner dependency

75/100
High — earn-out structure required

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

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

45/100
Moderate signal

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

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

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
Mrs Catherine Francis Nichola Wordsworth
Individual · British · DOB 02/1991 · age 35
75–100%
75–100%75-100% shares · 75-100% voting01/02/2026
1 historic (ceased) PSC
  • Ms Janet Margaret O'Neillceased 01/02/2026· 75-100% shares · 75-100% voting

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

7 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
Incorporated2012-01-18
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

24 Fore Street
Tamerton Foliot
Plymouth
PL5 4NA
England

Filing status

Accounts
Next due: 2027-10-31
Last made up to: 2026-01-31
Confirmation statement
Next due: 2027-04-20
Last: 2026-04-06

Officers (1 active · 1 resigned)

WORDSWORTH, Catherine Francis Nichola→
director · ~35y · appointed 2026-02-01
View their other companies + combined net worth →
Active
O'NEILL, Janet Margaret→
director · ~71y · appointed 2012-01-18 · resigned 2026-02-01
Resigned

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

Recent filings (36 total)

change-person-director-company-with-change-date
officers · CH01
2026-07-15
accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-15
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-06
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-02-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-02-03
appoint-person-director-company-with-name-date
officers · AP01
2026-02-03
termination-director-company-with-name-termination-date
officers · TM01
2026-02-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-03
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-10
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-04
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-03-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-10
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-06