EDINBURGH MORTGAGE CORPORATION LIMITED

💤Zombieactive
SC161991 · ltd · incorporated 1995-12-04
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 May 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 81-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 81). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · oldest 30.3y

45/100
under pressure

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

  • · Oldest live charge is 30.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: high (81/100)

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
9 officers (3 active, 9 linked, 6 with DOB)
83
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
94 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
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
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0May 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-05-312024-05-31
Average employees2200

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
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
3
filings
  • • 1 accounts
  • • 1 confirmation-statement
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
  1. 2026-02-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-12-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  3. 2025-12-16
    ➖
    BLOOMFIELD, Adrian Francis resigned
    director
  4. 2025-02-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-02-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-06-05
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2023-05-31
    ➖
    HAMILTON, Anthony David Wilson resigned
    director
  8. 2023-02-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-02-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-02-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-06-15
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  12. 2020-02-19
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  13. 2020-02-17
    ➕
    SMITH, Sallie Elaine appointed
    secretary
  14. 2020-02-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2020-02-11
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  16. 2019-02-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2018-03-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2018-02-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2017-02-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  20. 2013-07-01
    ➕
    SMITH, Geoffrey appointed
    director
  21. 2009-05-27
    ➕
    SMITH, Geoffrey appointed
    secretary
  22. 2009-05-27
    ➖
    JOHNSTON, Stuart Graham resigned
    secretary
  23. 2009-03-16
    🔓
    Charge satisfied #1
  24. 2008-06-01
    ➖
    AMBLER, Richard Charles Quintin resigned
    director
  25. 2002-08-01
    ➕
    BLOOMFIELD, Adrian Francis appointed
    director
  26. 2001-04-08
    ➖
    BUJOCZEK, Alan Rudolph resigned
    director
  27. 1999-10-28
    ➖
    STEWART, William George Alexander resigned
    director
  28. 1999-08-20
    🔒
    Charge registered #3
    Lender: The Governor and Company of the Bank of Scotland
  29. 1998-11-06
    ➕
    AMBLER, Richard Charles Quintin appointed
    director
  30. 1998-11-06
    ➕
    BUJOCZEK, Alan Rudolph appointed
    director
  31. 1998-11-06
    ➕
    STEWART, William George Alexander appointed
    director
  32. 1996-01-16
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  33. 1995-12-04
    🏢
    Company incorporated
    As EDINBURGH MORTGAGE CORPORATION LIMITED
  34. 1995-12-04
    ➕
    JOHNSTON, Stuart Graham appointed
    secretary
  35. 1995-12-04
    ➕
    HAMILTON, Anthony David Wilson appointed
    director

Owner dependency

90/100
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.
  • +Founder age: Director aged approximately 81 — succession pressure is live.

Succession & seller-readiness

98/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 13 years.
  • secondaryStable-but-static management: Company is 30 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Geoffrey Smith
Individual · British · DOB 09/1945 · age 81
75–100%
75–100%board control75-100% shares · 75-100% voting · board control30/06/2016
1 historic (ceased) PSC
  • Geoffey Smithceased 30/06/2016· 75-100% shares

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

8 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
Incorporated1995-12-04
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

189 Bruntsfield Place
Edinburgh
EH10 4DG
Scotland

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-12-18
Last: 2025-12-04

Officers (3 active · 6 resigned)

SMITH, Geoffrey→
secretary · appointed 2009-05-27
View their other companies + combined net worth →
Active
SMITH, Sallie Elaine→
secretary · appointed 2020-02-17
View their other companies + combined net worth →
Active
SMITH, Geoffrey→
director · ~81y · appointed 2013-07-01
View their other companies + combined net worth →
Active
JOHNSTON, Stuart Graham→
secretary · appointed 1995-12-04 · resigned 2009-05-27
Resigned
AMBLER, Richard Charles Quintin→
director · ~71y · appointed 1998-11-06 · resigned 2008-06-01
Resigned
BLOOMFIELD, Adrian Francis→
director · ~83y · appointed 2002-08-01 · resigned 2025-12-16
Resigned
BUJOCZEK, Alan Rudolph→
director · ~77y · appointed 1998-11-06 · resigned 2001-04-08
Resigned
HAMILTON, Anthony David Wilson→
director · ~80y · appointed 1995-12-04 · resigned 2023-05-31
Resigned
STEWART, William George Alexander→
director · ~72y · appointed 1998-11-06 · resigned 1999-10-28
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property20/08/1999—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property16/01/199616/03/2009
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (94 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-18
termination-director-company-with-name-termination-date
officers · TM01
2025-12-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-17
termination-director-company-with-name-termination-date
officers · TM01
2023-06-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-09
appoint-person-secretary-company-with-name-date
officers · AP03
2020-06-15