MORTGAGE & LOAN SERVICE LTD.

💤Zombieactive

SC224820 · ltd · incorporated 2001-11-01

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 Nov 2024

Net worth

£8.3k

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Activities of insurance agents and brokers

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle with a 68-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 68). 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

Lenders & charges

Confirmed no charges registered

Directors & officers

6 officers (2 active, 6 linked, 3 with DOB)

Ownership & PSC

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

Director network

1 connected companies via shared directors

Filing history

64 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

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

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.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £8,256

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£8k

~ YoY

Current Assets

£8k

~ YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2024-11-30	2023-11-30
Total assets	£8.3k	£8.3k
Current assets	£7.6k	£7.6k
Net assets	£8.3k	£8.3k

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

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (26 events)Click to expand

2025-08-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-15
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-10-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-08-13
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-08-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-08-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-08-31
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-12-14
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-08-31
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-12-23
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-08-29
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2013-12-04
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2009-07-01
➕
AHMED, Nafees appointed
director
2009-07-01
➖
YOUSAF, Safdar Hussain resigned
director
2002-12-02
➕
YOUSAF, Safdar Hussain appointed
director
2002-12-01
➖
AHMED, Nafees resigned
director
2001-11-06
➕
AHMAD, Slaeem appointed
secretary
2001-11-06
➕
AHMED, Nafees appointed
director
2001-11-05
➖
HCS SECRETARIAL LIMITED resigned
corporate-nominee-secretary
2001-11-05
➖
HANOVER DIRECTORS LIMITED resigned
corporate-nominee-director
2001-11-01
🏢
Company incorporated
As MORTGAGE & LOAN SERVICE LTD.
2001-11-01
➕
HCS SECRETARIAL LIMITED appointed
corporate-nominee-secretary
2001-11-01
➕
HANOVER DIRECTORS LIMITED appointed
corporate-nominee-director

Owner dependency

100/100

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.
+Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

88/100

Likely off-market candidate

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
secondary12+ year tenure: Director in role 17 years.
secondaryStable-but-static management: Company is 25 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

Name	Shares	Voting rights	Nature of control	Notified
Mr Nafees Ahmed Individual · British · DOB 10/1958 · age 68	—	—	sig. influencesignificant influence	01/11/2016

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 · Financial services · G postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
LINKUP MORTGAGE LTD→ SC867187 · est 2025 · no financials extracted	—	—	—	—	—	—	—
MAVEN CAPITAL CARDIFF TRUSTEE LIMITED→ SC502023 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
MAVEN CAPITAL GCM LIMITED→ SC446214 · est 2013 · no financials extracted	—	—	—	—	13y	—	—
MAVEN NPIF II NE EQUITY GP LIMITED→ SC793279 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
MEINOM LIMITED→ SC686827 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
MIAM HOLDINGS LIMITED→ SC778681 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
MILLER4 HOLDINGS LTD→ SC844798 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
MORTGAGE ADVISORY SERVICES LIMITED→ SC636786 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
MORTGAGE BROKERS SCOTLAND LTD→ SC849843 · est 2025 · no financials extracted	—	—	—	—	—	—	—
MORTGAGE121 LTD→ SC626228 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
MORTON HILL LTD→ SC357800 · est 2009 · no financials extracted	—	—	—	—	17y	—	—
MPH PROPERTIES LTD.→ SC191825 · est 1998 · no financials extracted	—	—	—	—	27y	—	—

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

Incorporated2001-11-01

Jurisdictionscotland

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

1007 Argyle Street

Glasgow

G3 8LZ

Filing status

Accounts

Next due: 2026-08-31

Last made up to: 2024-11-30

Confirmation statement

Next due: 2026-11-15

Last: 2025-11-01

Officers (2 active · 4 resigned)

AHMAD, Slaeem→

secretary · appointed 2001-11-06

View their other companies + combined net worth →

Active

AHMED, Nafees→

director · ~68y · appointed 2009-07-01

View their other companies + combined net worth →

Active

HCS SECRETARIAL LIMITED→

corporate-nominee-secretary · appointed 2001-11-01 · resigned 2001-11-05

Resigned

AHMED, Nafees→

director · ~68y · appointed 2001-11-06 · resigned 2002-12-01

Resigned

YOUSAF, Safdar Hussain→

director · ~70y · appointed 2002-12-02 · resigned 2009-07-01

Resigned

HANOVER DIRECTORS LIMITED→

corporate-nominee-director · appointed 2001-11-01 · resigned 2001-11-05

Resigned

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