LUCRA MORTGAGES LIMITED
🏛️Establishedactive
13306132 · ltd · incorporated 2021-03-31
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 Mar 2025
Net worth
—
book net assets
Opportunity
68/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 68/100 (strong), bankability 65/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (76/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
8 officers (4 active, 8 linked, 8 with DOB)
90
Ownership & PSC
1 active PSC(s) of 6 total, 6 with control declared
90
Director network
19 connected companies via shared directors
90
Filing history
47 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
68/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-20 |
|---|---|
| Average employees | 1700 |
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
2
filings
- • 2 officers
Last 90 days
2
filings
- • 2 officers
Last 180 days
5
filings
- • 4 officers
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
- 2026-05-10📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-10📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-01-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-31➖THOMPSON, Benjamin David resigneddirector
- 2025-12-15📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-11-11📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-11-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-11-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-16➕BRODNICKI, Peter Christopher Steven appointeddirector
- 2025-10-16➕BURGAUD MCCARTHY, Emilie Nadia Marcelline appointeddirector
- 2025-10-16➕THOMPSON, Benjamin David appointeddirector
- 2025-04-07📄resolutionresolution · RESOLUTIONS
- 2025-04-07📄memorandum-articlesincorporation · MA
- 2025-04-07📄capital-name-of-class-of-sharescapital · SH08
- 2025-04-01📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2025-04-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-04-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-04-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-04-01📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-04-01📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-03-21➕MCGRAIL, Ian Robert appointeddirector
- 2025-03-21➖ALDRIDGE, Michael Paul resigneddirector
- 2025-01-23📄capital-return-purchase-own-sharescapital · SH03
- 2025-01-08📄resolutionresolution · RESOLUTIONS
- 2025-01-08📄resolutionresolution · RESOLUTIONS
- 2025-01-07📄capital-cancellation-sharescapital · SH06
- 2025-01-06📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-01-06📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-12-20➖CATLEY, Neil resigneddirector
- 2024-12-20➖SHARPE, Darren James resigneddirector
- 2022-08-23➕ALDRIDGE, Michael Paul appointeddirector
- 2021-03-31🏢Company incorporatedAs LUCRA MORTGAGES LIMITED
- 2021-03-31➕TADD, Benjamin Andrew appointeddirector
- 2021-03-31➕CATLEY, Neil appointeddirector
- 2021-03-31➕SHARPE, Darren James appointeddirector
Owner dependency
48/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
Red flags
1 high ·Confirmation statement overdue
highAnnual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-04-13
Group structure
First Mortgage Direct Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
First Mortgage Direct Limited
Corporate parent · holds 75-100% shares · board control
⬇
LUCRA MORTGAGES LIMITED
This company · 13306132
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
First Mortgage Direct Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 21/03/2025 |
5 historic (ceased) PSCs
- Mr Benjamin Andrew Taddceased 21/03/2025· 25-50% shares · 25-50% voting · board control
- Mr Michael Paul Aldridgeceased 21/03/2025· 25-50% shares · 25-50% voting · board control
- Mr Benjamin Andrew Taddceased 23/08/2022· 25-50% shares · 25-50% voting
- Mr Neil Catleyceased 23/08/2022· 25-50% shares · 25-50% voting
- Mr Darren James Sharpeceased 23/08/2022· 25-50% shares · 25-50% voting
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 · SN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 177 MORTGAGES LTD→ 09941973 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| 3SIXTY INVESTMENT HOLDINGS LIMITED→ 13231395 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 4 SQUARE ADVICE LIMITED→ 04257080 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| ABBEY GROUP TRUSTEE LIMITED→ 17072881 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ABKA LIMITED→ 08902688 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ACC ASSOCIATES LIMITED→ 05937907 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ACCESS FRANCHISE MANAGEMENT LIMITED→ 00594101 · est 1957 · no financials extracted | — | — | — | — | 68y | — | — |
| ACHIEVE WEALTH MANAGEMENT (WILTSHIRE) LIMITED→ 09112816 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ACORN FINANCE AND BUSINESS SERVICES LIMITED→ 14074610 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ACTIO ADVISORS LTD→ 12551010 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ACTIVE ASSET MANAGEMENT LIMITED→ 09182574 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ACTUARIES FOR LAWYERS (2013) LTD→ 08192005 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
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
Incorporated2021-03-31
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
Space 365 Tormarton Road
Marshfield
SN14 8SR
United Kingdom
Filing status
Accounts
Next due: 2026-12-20
Last made up to: 2025-03-20
Confirmation statement
Next due: 2026-04-13OVERDUE
Last: 2025-03-30
Officers (4 active · 4 resigned)
BRODNICKI, Peter Christopher Steven→
Activedirector · ~64y · appointed 2025-10-16
View their other companies + combined net worth →
BURGAUD MCCARTHY, Emilie Nadia Marcelline→
Activedirector · ~46y · appointed 2025-10-16
View their other companies + combined net worth →
MCGRAIL, Ian Robert→
Activedirector · ~47y · appointed 2025-03-21
View their other companies + combined net worth →
TADD, Benjamin Andrew→
Activedirector · ~41y · appointed 2021-03-31
View their other companies + combined net worth →
ALDRIDGE, Michael Paul→
Resigneddirector · ~48y · appointed 2022-08-23 · resigned 2025-03-21
CATLEY, Neil→
Resigneddirector · ~44y · appointed 2021-03-31 · resigned 2024-12-20
SHARPE, Darren James→
Resigneddirector · ~42y · appointed 2021-03-31 · resigned 2024-12-20
THOMPSON, Benjamin David→
Resigneddirector · ~57y · appointed 2025-10-16 · resigned 2025-12-31
Click a director name to see their full track record across all companies.
Recent filings (47 total)
change-person-director-company-with-change-date
officers · CH01
2026-05-10
change-person-director-company-with-change-date
officers · CH01
2026-05-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-12
termination-director-company-with-name-termination-date
officers · TM01
2026-01-09
change-person-director-company-with-change-date
officers · CH01
2025-12-15
appoint-person-director-company-with-name-date
officers · AP01
2025-11-11
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-11-11
appoint-person-director-company-with-name-date
officers · AP01
2025-11-11
appoint-person-director-company-with-name-date
officers · AP01
2025-11-11
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-15
resolution
resolution · RESOLUTIONS
2025-04-07
memorandum-articles
incorporation · MA
2025-04-07
capital-name-of-class-of-shares
capital · SH08
2025-04-07
change-account-reference-date-company-current-shortened
accounts · AA01
2025-04-01
appoint-person-director-company-with-name-date
officers · AP01
2025-04-01