M CLARKE MORTGAGES LTD

🌳Matureactive

NI636342 · ltd · incorporated 2016-02-10

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 Feb 2025

Net worth

—

book net assets

Opportunity

78/100

Strong

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What this business does

Primary activity: Activities of mortgage finance companies

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company 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. 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

Lenders & charges

Confirmed no charges registered

Directors & officers

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

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

21 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-02-28	2024-02-29
Average employees	400	500

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

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (13 events)Click to expand

2025-11-24
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-25
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-03
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-11-25
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-11-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-11-10
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-02-10
🏢
Company incorporated
As M CLARKE MORTGAGES LTD
2016-02-10
➕
CLARKE, Donna appointed
director
2016-02-10
➕
CLARKE, Martin appointed
director
2016-02-10
📄
incorporation-company
incorporation · NEWINC

Owner dependency

94/100

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

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Founder name in company name: Company name contains director surname "CLARKE" — strong identity link between founder and business.
+Senior director age: Director aged approximately 63 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

61/100

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

Name	Shares	Voting rights	Nature of control	Notified
Mrs Donna Clarke Individual · British · DOB 07/1971 · age 55	25–50%	—	25-50% shares	06/04/2016
Mr Martin Clarke Individual · British · DOB 03/1963 · age 63	25–50%	—	25-50% shares	06/04/2016

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

Similar companies

Active · Financial services · BT postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
KEYS PREMIUM FINANCE LIMITED→ NI030349 · est 1996 · no financials extracted	—	—	—	—	30y	—	—
KINORA INVESTMENTS LIMITED→ NI655514 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
LIFESTYLE MORTGAGE SOLUTIONS LTD→ NI630304 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
LIFESTYLE WILLS LIMITED→ NI617361 · est 2013 · no financials extracted	—	—	—	—	13y	—	—
LMC WEALTH LIMITED→ NI665116 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
LMCB INVESTMENTS LIMITED→ NI686869 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
LOZE INVESTMENTS→ NI724646 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
MARCEL PROPERTIES LIMITED→ NI054654 · est 2005 · no financials extracted	—	—	—	—	21y	—	—
MERLIN WOODS LIMITED→ NI731616 · est 2025 · no financials extracted	—	—	—	—	—	—	—
MODULUS FINANCIAL PLANNING LTD→ NI673772 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
MORRISON ASSOCIATES (NI) LIMITED→ NI046616 · est 2003 · no financials extracted	—	—	—	—	22y	—	—
MORRISON HOLDEN MORTGAGE & INSURANCE SOLUTIONS LIMITED→ NI631961 · est 2015 · no financials extracted	—	—	—	—	10y	—	—

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

Incorporated2016-02-10

Jurisdictionnorthern-ireland

Primary SIC64922 — Activities of mortgage finance companies

Registered office

46 Hill Street

Belfast

BT1 2LB

United Kingdom

Filing status

Accounts

Next due: 2026-11-30

Last made up to: 2025-02-28

Confirmation statement

Next due: 2027-02-22

Last: 2026-02-08

Officers (2 active · 0 resigned)

CLARKE, Donna→

director · ~55y · appointed 2016-02-10

View their other companies + combined net worth →

Active

CLARKE, Martin→

director · ~63y · appointed 2016-02-10

View their other companies + combined net worth →

Active

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