MORTGAGE IQ LIMITED

🌳Matureactive
NI056126 · ltd · incorporated 2005-08-08
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2024
Net worth
£18.4k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (80/100, director aged 58). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 18.1y

30/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 18.1 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (80/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
10 officers (2 active, 10 linked, 7 with DOB)
84
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
81 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
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 102
Positive net assets
Net assets £18,419
Net assets shrinking
Down £22,347 YoY
Cash YoY
-23%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£17k
↓ 23% YoY
Net Worth
£18k
↓ 55% YoY
Current Assets
£179k
↑ 7.2% YoY
Current Liabilities
—
£0£36k£72k£107k£143k£179kJun 2023Jun 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-06-302023-06-30
Total assets£18.4k£40.8k
Current assets£179.1k£167.1k
Cash£16.6k£21.6k
Debtors£162.6k£145.5k
Net assets£18.4k£40.8k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
2
filings
  • • 1 persons-with-significant-control
  • • 1 officers
Last 90 days
2
filings
  • • 1 persons-with-significant-control
  • • 1 officers
Last 180 days
3
filings
  • • 1 persons-with-significant-control
  • • 1 officers
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (40 events)Click to expand
  1. 2026-05-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2026-05-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-06-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2024-08-19
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2024-08-19
    🔓
    Charge satisfied #2
  6. 2024-07-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2023-12-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2023-12-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2021-12-16
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  10. 2021-12-16
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  11. 2021-07-22
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2021-07-01
    ➕
    HALL, Alastair James appointed
    director
  13. 2021-03-10
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2021-03-09
    ➖
    FORSYTHE, Angela resigned
    director
  15. 2020-12-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2019-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2019-05-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2019-05-22
    🔒
    Charge registered #2
    Lender: Santander UK PLC
  19. 2019-05-10
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  20. 2019-05-10
    🔓
    Charge satisfied #1
  21. 2018-07-26
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  22. 2018-05-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  23. 2017-12-21
    ➖
    STRINGER, Lesley Ann Black resigned
    secretary
  24. 2017-12-21
    ➖
    HALL, Alastair James resigned
    director
  25. 2017-12-21
    ➖
    HALL, Beverley Ann resigned
    director
  26. 2017-12-21
    ➖
    STRINGER, Lesley Ann Black resigned
    director
  27. 2015-09-29
    ➕
    FORSYTHE, Angela appointed
    director
  28. 2015-09-29
    ➕
    HALL, Alastair James appointed
    director
  29. 2015-09-29
    ➕
    HALL, Beverley Ann appointed
    director
  30. 2008-04-22
    🔒
    Charge registered #1
    Lender: Ulster Bank Limited
  31. 2006-01-13
    ➕
    MARTIN, Tanya Mary Cecilia appointed
    director
  32. 2006-01-13
    ➖
    MARTIN, Paul resigned
    director
  33. 2005-09-16
    ➕
    STRINGER, Lesley Ann Black appointed
    director
  34. 2005-08-08
    🏢
    Company incorporated
    As MORTGAGE IQ LIMITED
  35. 2005-08-08
    ➕
    STRINGER, Lesley Ann Black appointed
    secretary
  36. 2005-08-08
    ➕
    C.S. SECRETARIAL SERVICES LTD appointed
    corporate-secretary
  37. 2005-08-08
    ➖
    C.S. SECRETARIAL SERVICES LTD resigned
    corporate-secretary
  38. 2005-08-08
    ➕
    MARTIN, Paul appointed
    director
  39. 2005-08-08
    ➕
    CS DIRECTOR SERVICES LIMITED appointed
    corporate-director
  40. 2005-08-08
    ➖
    CS DIRECTOR SERVICES LIMITED resigned
    corporate-director

Owner dependency

76/100
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.
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

76/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

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.
  • primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 21 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Angela Forsythe
Individual · British · DOB 09/1981 · age 45
25–50%
25–50%25-50% shares · 25-50% voting21/12/2017
Mrs Tanya Mary Cecilia Martin
Individual · British · DOB 04/1970 · age 56
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
1 historic (ceased) PSC
  • Ms Lesley Ann Black Stringerceased 21/12/2017· 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 →

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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
Incorporated2005-08-08
Jurisdictionnorthern-ireland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

1st Floor 45 High Street
Holywood
BT18 9AB
Northern Ireland

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-06-30
Confirmation statement
Next due: 2027-01-25
Last: 2026-01-11

Officers (2 active · 8 resigned)

HALL, Alastair James→
director · ~58y · appointed 2021-07-01
View their other companies + combined net worth →
Active
MARTIN, Tanya Mary Cecilia→
director · ~56y · appointed 2006-01-13
View their other companies + combined net worth →
Active
STRINGER, Lesley Ann Black→
secretary · appointed 2005-08-08 · resigned 2017-12-21
Resigned
C.S. SECRETARIAL SERVICES LTD→
corporate-secretary · appointed 2005-08-08 · resigned 2005-08-08
Resigned
FORSYTHE, Angela→
director · ~45y · appointed 2015-09-29 · resigned 2021-03-09
Resigned
HALL, Alastair James→
director · ~58y · appointed 2015-09-29 · resigned 2017-12-21
Resigned
HALL, Beverley Ann→
director · ~60y · appointed 2015-09-29 · resigned 2017-12-21
Resigned
MARTIN, Paul→
director · ~57y · appointed 2005-08-08 · resigned 2006-01-13
Resigned
STRINGER, Lesley Ann Black→
director · ~57y · appointed 2005-09-16 · resigned 2017-12-21
Resigned
CS DIRECTOR SERVICES LIMITED→
corporate-director · appointed 2005-08-08 · resigned 2005-08-08
Resigned

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

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Santander
Santander UK PLC
A registered charge—22/05/201919/08/2024
satisfied
NatWest Group
Ulster Bank Limited
Debenture1 property22/04/200810/05/2019

Recent filings (81 total)

change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-18
change-person-director-company-with-change-date
officers · CH01
2026-05-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-25
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-08-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-07-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-06
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-11
change-account-reference-date-company-previous-extended
accounts · AA01
2021-12-16
change-account-reference-date-company-current-extended
accounts · AA01
2021-12-16
appoint-person-director-company-with-name-date
officers · AP01
2021-07-22