COMPLETE MORTGAGE ADVICE LTD

🏛️Establishedactive

13403228 · ltd · incorporated 2021-05-17

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 May 2025

Net worth

£6.9k

book net assets

Opportunity

72/100

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 72/100 (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: 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

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

Network not yet resolved

Filing history

15 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

72/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Positive net assets

Net assets £6,948

Net assets shrinking

Down £19,832 YoY

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£7k

↓ 74% YoY

Current Assets

£13k

↓ 69% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-05-31	2024-05-31
Total assets	£8.0k	£26.8k
Current assets	£13.0k	£42.1k
Cash	—	£39.9k
Net assets	£6.9k	£26.8k

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

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (13 events)Click to expand

2025-08-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-06
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-06-06
📄
change-person-director-company-with-change-date
officers · CH01
2022-06-06
📄
change-person-director-company-with-change-date
officers · CH01
2022-06-06
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-05-17
🏢
Company incorporated
As COMPLETE MORTGAGE ADVICE LTD
2021-05-17
➕
BOULDEN, Helen Marie appointed
director
2021-05-17
➕
BOULDEN, Thomas Frederick appointed
director
2021-05-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-05-17
📄
incorporation-company
incorporation · NEWINC

Owner dependency

71/100

High — earn-out structure required

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

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 5 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

36/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS

secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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%

Name	Shares	Voting rights	Nature of control	Notified
Mr Thomas Frederick Boulden Individual · British · DOB 08/1988 · age 38	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	17/05/2021

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Financial services · PL postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ACCOLADE EDUCATION FINANCIAL INVESTMENTS LIMITED→ 15187606 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ASCOUGH MANAGEMENT SERVICES LIMITED→ 01402655 · est 1978 · no financials extracted	—	—	—	—	47y	—	—
BREAKWATER FINANCIAL PLANNING LIMITED→ 10118057 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
CC FINANCIAL LIMITED→ 15592302 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
CHRIS NEWTON MORTGAGE SERVICES LIMITED→ 08891809 · est 2014 · no financials extracted	—	—	—	—	12y	—	—
CJ HOLDINGS PLYMOUTH LTD→ 16305540 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
CJ PROPLAN LTD→ 09314749 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
CJF WEALTH PLANNING LTD→ 09201301 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
CMB MORTGAGE CONSULTANTS LIMITED→ 06038104 · est 2006 · no financials extracted	—	—	—	—	19y	—	—
CODEC WEALTH LTD→ 17032534 · est 2026 · no financials extracted	—	—	—	—	—	—	—
COMPU TAX (S.W.) LTD→ 03525883 · est 1998 · no financials extracted	—	—	—	—	28y	—	—
CONTINUUM (MARKETING) LTD→ 08670332 · est 2013 · no financials extracted	—	—	—	—	12y	—	—

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

Incorporated2021-05-17

Jurisdictionengland-wales

Primary SIC64922 — Activities of mortgage finance companies

Registered office

41 Montrose Way

Plymouth

Devon

PL5 3FP

United Kingdom

Filing status

Accounts

Next due: 2027-02-28

Last made up to: 2025-05-31

Confirmation statement

Next due: 2027-05-30

Last: 2026-05-16

Officers (2 active · 0 resigned)

BOULDEN, Helen Marie→

director · ~36y · appointed 2021-05-17

View their other companies + combined net worth →

Active

BOULDEN, Thomas Frederick→

director · ~38y · appointed 2021-05-17

View their other companies + combined net worth →

Active

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