FAIR MORTGAGES LIMITED
🌳Matureactive
09308386 · ltd · incorporated 2014-11-12
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
£-230.7k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: high (81/100)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
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
30 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
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 · FRS 102Negative net assets
Liabilities exceed assets by £230,662
Cash YoY
+75%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£10k
↑ 75% YoY
Net Worth
-£231k
~ YoY
Current Assets
£10k
↑ 75% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £9.4k | £5.3k |
| Current assets | £9.6k | £5.5k |
| Cash | £9.6k | £5.5k |
| Net assets | £-230.7k | £-228.8k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
0
filings
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-20📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2018-07-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-07-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-07-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-01-26📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-05-26📄capital-allotment-sharescapital · SH01
- 2014-11-12🏢Company incorporatedAs FAIR MORTGAGES LIMITED
- 2014-11-12➕CALDWELL, James Alexander appointeddirector
- 2014-11-12➕ROYLANCE-SMITH, Oliver appointeddirector
Owner dependency
71/100
High — earn-out structure requiredMaterial 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.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
51/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Oliver Roylance-Smith Individual · British · DOB 09/1975 · age 51 | 25–50% | — | 25-50% shares | 30/06/2016 |
Mrs Emma Susan Caldwell Individual · British · DOB 10/1965 · age 61 | 25–50% | — | 25-50% shares | 30/06/2016 |
Mr James Alexander Caldwell Individual · British · DOB 01/1968 · age 58 | — | — | sig. influencesignificant influence | 30/06/2016 |
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 · BS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CYPRESSA M15 LIMITED→ 13315042 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| DAVIES-COUSINS COMPLIANCE LTD→ 15605476 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| EUREKA INTERNATIONAL GOLD UK LIMITED→ 16456866 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EUROPA GROUP LIMITED→ 03279177 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| EUROPA UNDERWRITING LIMITED→ 03872760 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| EVERARD INVESTMENT PLANNING LTD.→ 03836796 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| EVERYSTEP FINANCIAL LIMITED→ 16512244 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EVRI LEGACY LIMITED→ 11478964 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| FCF RECOVERIES LIMITED→ 16462200 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FD COMMERCIAL & BRIDGING LTD→ 11671723 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| FFINANCE LIMITED→ 11974420 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| FI PROPERTY&INVESTMENTS LTD→ 16841298 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2014-11-12
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Kings House
14 Orchard Street
Bristol
BS1 5EH
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-11-26
Last: 2025-11-12
Officers (2 active · 0 resigned)
CALDWELL, James Alexander→
Activedirector · ~58y · appointed 2014-11-12
View their other companies + combined net worth →
ROYLANCE-SMITH, Oliver→
Activedirector · ~51y · appointed 2014-11-12
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (30 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-31
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-31
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-01-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-11-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-01-29