FIRST MORTGAGE SHOP LIMITED

🌳Matureactive

SC173056 · ltd · incorporated 1997-02-27

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 Dec 2025

Net worth

—

book net assets

Opportunity

78/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: SIC 99999

Sector: Extraterritorial bodies

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

Data confidence

Overall: high (83/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

11 officers (3 active, 11 linked, 9 with DOB)

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

28 connected companies via shared directors

Filing history

103 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 · FRS 102

Metric	2025-12-31	2024-12-31

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

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 1 accounts
• 1 officers

Counts from Companies House filing history.

Corporate timeline (38 events)Click to expand

2026-02-23
📄
accounts-with-accounts-type-dormant
accounts · AA
2026-01-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-31
➖
THOMPSON, Benjamin David resigned
director
2025-09-10
📄
accounts-with-accounts-type-dormant
accounts · AA
2024-06-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-06-18
➕
BURGAUD MCCARTHY, Emilie Nadia Marcelline appointed
director
2024-06-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-06-07
➖
TILLEY, Lucy Claire resigned
director
2024-06-04
📄
accounts-with-accounts-type-dormant
accounts · AA
2023-04-04
📄
accounts-with-accounts-type-dormant
accounts · AA
2022-08-26
📄
accounts-with-accounts-type-dormant
accounts · AA
2021-01-18
📄
accounts-with-accounts-type-dormant
accounts · AA
2021-01-18
📄
accounts-with-accounts-type-dormant
accounts · AA
2020-02-28
➖
TILLEY, Lucy Claire resigned
director
2020-02-28
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-08-12
➕
MCGRAIL, Ian Robert appointed
director
2019-08-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2019-07-29
📄
accounts-with-accounts-type-dormant
accounts · AA
2019-07-26
📄
change-account-reference-date-company-previous-shortened
accounts · AA01
2019-07-24
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-07-23
📄
change-account-reference-date-company-current-shortened
accounts · AA01
2019-07-19
➖
MCGRAIL, Robert Lawrence resigned
secretary
2019-07-19
➖
MCGRAIL, Ian Robert resigned
director
2019-07-19
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2019-07-19
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-07-02
➕
BRODNICKI, Peter Christopher Steven appointed
director
2019-07-02
➖
MCGRAIL, Robert Lawrence resigned
director
2019-07-02
➕
THOMPSON, Benjamin David appointed
director
2019-07-02
➕
TILLEY, Lucy Claire appointed
director
2019-07-02
➕
TILLEY, Lucy Claire appointed
director
2008-03-28
➕
MCGRAIL, Ian Robert appointed
director
2008-03-28
➖
WOODS, Frederick James resigned
director
1997-02-27
🏢
Company incorporated
As FIRST MORTGAGE SHOP LIMITED
1997-02-27
➕
MCGRAIL, Robert Lawrence appointed
secretary
1997-02-27
➕
OSWALDS OF EDINBURGH LIMITED appointed
corporate-nominee-secretary
1997-02-27
➖
OSWALDS OF EDINBURGH LIMITED resigned
corporate-nominee-secretary
1997-02-27
➕
MCGRAIL, Robert Lawrence appointed
director
1997-02-27
➕
WOODS, Frederick James appointed
director

Owner dependency

58/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

+Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

50/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

First Mortgage Direct Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

First Mortgage Direct Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

FIRST MORTGAGE SHOP LIMITED

This company · SC173056

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
First Mortgage Direct Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	14/06/2019

2 historic (ceased) PSCs

Mr Ian Robert Mcgrailceased 14/06/2019· 25-50% shares · 25-50% voting
Mr Robert Lawrence Mcgrailceased 14/06/2019· 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 →

Similar companies

Active · Other · EH postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BRADLEY TRADE LP→ SL011117 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
BRAHMA US SCOTLAND LP→ SL007737 · est 2010 · no financials extracted	—	—	—	—	16y	—	—
BRAITH SHIPPING LP→ SL010197 · est 2012 · no financials extracted	—	—	—	—	14y	—	—
BRIDGECASTLE ACCOUNTING SERVICES LTD→ SC266637 · est 2004 · no financials extracted	—	—	—	—	21y	—	—
BRIDGEPOINT EUROPE VII SFP LP→ SL035353 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
BRIDGEPOINT NO.2 LP→ SL035444 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
BRIDGES SOCIAL IMPACT BOND FUND (FOUNDER PARTNER) LP→ SL012444 · est 2013 · no financials extracted	—	—	—	—	13y	—	—
BRIDGES SOCIAL IMPACT BOND FUND (SCOTLAND GENERAL PARTNER) LIMITED→ SC439243 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
BRIDGES SUSTAINABLE GROWTH FUND V (FOUNDER PARTNER GP) LLP→ SO307302 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
BRIGHT MOON GENERAL TRADING LP→ SL019232 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
BRIGHT SOLUTIONS WORLDWIDE L.P.→ SL011590 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
BRIGHT STANDART CONSULTING LP→ SL011763 · est 2012 · no financials extracted	—	—	—	—	13y	—	—

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

Incorporated1997-02-27

Jurisdictionscotland

Primary SIC99999 — SIC 99999

Registered office

30 Walker Street

Edinburgh

EH3 7HR

Scotland

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2026-11-04

Last: 2025-10-21

Officers (3 active · 8 resigned)

BRODNICKI, Peter Christopher Steven→

director · ~64y · appointed 2019-07-02

View their other companies + combined net worth →

Active

BURGAUD MCCARTHY, Emilie Nadia Marcelline→

director · ~46y · appointed 2024-06-18

View their other companies + combined net worth →

Active

MCGRAIL, Ian Robert→

director · ~47y · appointed 2019-08-12

View their other companies + combined net worth →

Active

MCGRAIL, Robert Lawrence→

secretary · appointed 1997-02-27 · resigned 2019-07-19

Resigned

OSWALDS OF EDINBURGH LIMITED→

corporate-nominee-secretary · appointed 1997-02-27 · resigned 1997-02-27

Resigned

MCGRAIL, Ian Robert→

director · ~47y · appointed 2008-03-28 · resigned 2019-07-19

Resigned

MCGRAIL, Robert Lawrence→

director · ~72y · appointed 1997-02-27 · resigned 2019-07-02

Resigned

THOMPSON, Benjamin David→

director · ~57y · appointed 2019-07-02 · resigned 2025-12-31

Resigned

TILLEY, Lucy Claire→

director · ~55y · appointed 2019-07-02 · resigned 2024-06-07

Resigned

TILLEY, Lucy Claire→

director · ~55y · appointed 2019-07-02 · resigned 2020-02-28

Resigned

WOODS, Frederick James→

director · ~76y · appointed 1997-02-27 · resigned 2008-03-28

Resigned

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

Recent filings (103 total)

accounts-with-accounts-type-dormant

accounts · AA

2026-02-23

termination-director-company-with-name-termination-date

officers · TM01

2026-01-07

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-11-04

accounts-with-accounts-type-dormant

accounts · AA

2025-09-10

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-12-08

appoint-person-director-company-with-name-date

officers · AP01

2024-06-27

termination-director-company-with-name-termination-date

officers · TM01

2024-06-14

accounts-with-accounts-type-dormant

accounts · AA

2024-06-04

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-11-01

accounts-with-accounts-type-dormant

accounts · AA

2023-04-04

confirmation-statement-with-updates

confirmation-statement · CS01

2022-11-03

accounts-with-accounts-type-dormant

accounts · AA

2022-08-26

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-03-01

confirmation-statement-with-no-updates

confirmation-statement · CS01

2021-03-09

accounts-with-accounts-type-dormant

accounts · AA

2021-01-18