1ST CALL 4 MORTGAGES (UK) LTD
💤Zombieactive
09333010 · ltd · incorporated 2014-11-28
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 Mar 2025
Net worth
£1.3k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 79/100 (strong), bankability 80/100. 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: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
1 live charge · oldest 0.3y
10/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 0.3 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
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
1 charges (1/1 with lender, 1/1 with type)
90
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
3 connected companies via shared directors
54
Filing history
35 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
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £1,280
Net assets shrinking
Down £21,453 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£1k
↓ 94% YoY
Current Assets
£662k
↑ 120% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £114.1k | £22.7k |
| Current assets | £662.4k | £301.4k |
| Net assets | £1.3k | £22.7k |
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
3
filings
- • 1 mortgage
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2026-01-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-20🔒Charge registered #1Lender: Nucleus Cash Flow FINANCE6 Limited
- 2025-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-26📄change-person-director-company-with-change-dateofficers · CH01
- 2024-01-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-01-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-12-12📄change-person-director-company-with-change-dateofficers · CH01
- 2023-12-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-10-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-29➖TOURICK, Desmond Jon resigneddirector
- 2023-09-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-29📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-09-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-10-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-05-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-01-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-11-28📄change-person-director-company-with-change-dateofficers · CH01
- 2014-11-28🏢Company incorporatedAs 1ST CALL 4 MORTGAGES (UK) LTD
- 2014-11-28➕BUTLER, Paul John appointeddirector
- 2014-11-28➕TOURICK, Desmond Jon appointeddirector
Owner dependency
83/100
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.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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 Paul John Butler Individual · British · DOB 12/1964 · age 62 | 75–100% | 75–100% | board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · firm interest | 28/11/2016 |
1 historic (ceased) PSC
- Mr Desmond Jon Tourickceased 29/09/2023· 25-50% shares · 25-50% voting · board control · significant influence · firm interest
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 · PO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 190 LABURNUM GROVE LIMITED→ 11677321 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 1STCALLLEGAL LTD→ 14675591 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| 24 WEALTH LIMITED→ 16518805 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 52 PORTLAND PLACE PARTNERS LTD→ 16071221 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 7 VENTURE CAPITAL LTD→ 16765266 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| A.D.N. FINANCIAL SOLUTIONS LTD→ 06702935 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| AB WEALTH LTD→ 10888052 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ACACIA JA HOLDINGS LIMITED→ 16958737 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ACCUDO INVESTMENTS LIMITED→ 05412037 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| ACM FINANCES LIMITED→ 13524450 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ACTION FINANCE LIMITED→ 07123753 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| ACTIVE FINANCE UK LTD→ 07430815 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
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
Incorporated2014-11-28
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
5 Arthurs Hill
Shanklin
Isle Of Wight
PO37 6EW
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-12
Last: 2025-11-28
Officers (1 active · 1 resigned)
BUTLER, Paul John→
Activedirector · ~62y · appointed 2014-11-28
View their other companies + combined net worth →
TOURICK, Desmond Jon→
Resigneddirector · ~69y · appointed 2014-11-28 · resigned 2023-09-29
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Nucleus Cash Flow FINANCE6 Nucleus Cash Flow FINANCE6 Limited | A registered charge | — | 20/01/2026 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (35 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-24
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-02
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-05
change-person-director-company-with-change-date
officers · CH01
2024-01-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-01-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-01-26
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-12
change-person-director-company-with-change-date
officers · CH01
2023-12-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-12-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-08
termination-director-company-with-name-termination-date
officers · TM01
2023-09-29
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-09-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-09-29