THE MORTGAGE SHOP (UK) LTD

💤Zombieactive
NI628366 · ltd · incorporated 2014-12-17
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 Dec 2024
Net worth
£236.2k
book net assets
Opportunity
78/100
Strong
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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 strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. 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).

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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 1 with DOB)
80
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
33 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
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
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £236,167
Net assets shrinking
Down £45,776 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£236k
↓ 16% YoY
Current Assets
£39k
↓ 38% YoY
Current Liabilities
—
£0£56k£113k£169k£226k£282kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£236.2k£281.9k
Current assets£38.8k£62.6k
Net assets£236.2k£281.9k

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2025-04-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-09-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-04-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2024-04-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2023-09-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-08-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2022-08-12
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  9. 2022-08-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  10. 2022-03-02
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  11. 2022-03-01
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  12. 2021-08-18
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  13. 2021-04-07
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  14. 2021-04-06
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  15. 2020-12-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2020-12-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2020-09-25
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  18. 2019-09-02
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  19. 2014-12-17
    🏢
    Company incorporated
    As THE MORTGAGE SHOP (UK) LTD
  20. 2014-12-17
    ➕
    MCALEER, Susan Josephine appointed
    secretary
  21. 2014-12-17
    ➕
    MCALEER, Susan Josephine appointed
    director

Owner dependency

88/100
Critical — business is the founder

The 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 63 — approaching natural succession window.
  • +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

70/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
  • 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

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%
NameSharesVoting rightsNature of controlNotified
Ms Susan Josephine Mcaleer
Individual · Northern Irish · DOB 11/1963 · age 63
75–100%
75–100%board control75-100% shares · 75-100% voting · board control01/07/2016
1 historic (ceased) PSC
  • Ms Susan Susan Josephine Mcaleerceased 09/08/2022· 75-100% shares · 75-100% 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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——823y8361y
ACKER DEVELOPMENTS LIMITED→
NI028267 · est 1994 · no financials extracted
————32y8360y
CREATION CONSUMER FINANCE LIMITED→
NI032565 · est 1997 · no financials extracted
————28y8367y
CRN FINANCIAL SERVICES LIMITED→
NI018912 · est 1985
——£178.8k—40y8364y
DRUMBEARN LIMITED→
NI054292 · est 2005 · no financials extracted
————21y8360y
GDP PARTNERSHIP LIMITED→
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INSURE I LIMITED→
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——£215.7k—29y8360y
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————12y——
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
Incorporated2014-12-17
Jurisdictionnorthern-ireland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

6 Wellington Place
Belfast
BT1 6GE
Northern Ireland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-25
Last: 2025-12-11

Officers (2 active · 0 resigned)

MCALEER, Susan Josephine→
secretary · appointed 2014-12-17
View their other companies + combined net worth →
Active
MCALEER, Susan Josephine→
director · ~63y · appointed 2014-12-17
View their other companies + combined net worth →
Active

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

Recent filings (33 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-15
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-07
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-16
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-20
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-08-12
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-08-12
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-08-09
gazette-filings-brought-up-to-date
gazette · DISS40
2022-03-02
gazette-notice-compulsory
gazette · GAZ1
2022-03-01