MORTGAGE INFORMATION CENTRE LIMITED

🌳Matureactive

SC233257 · ltd · incorporated 2002-06-25

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

—

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Turnover

—

year to Mar 2025

Net worth

£14.1k

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Activities of insurance agents and brokers

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 66-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 66). 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

1 live charge · oldest 23.5y

45/100

under pressure

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

· Oldest live charge is 23.5 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (79/100)

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

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

5 officers (3 active, 5 linked, 2 with DOB)

Ownership & PSC

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

Director network

2 connected companies via shared directors

Filing history

65 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

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

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £14,130

Net assets shrinking

Down £5 YoY

Cash YoY

-29%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£55k

↓ 29% YoY

Net Worth

£14k

~ YoY

Current Assets

£100k

↓ 16% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Total assets	£38.6k	£44.7k
Current assets	£99.7k	£119.3k
Cash	£54.7k	£76.6k
Debtors	£45.0k	£42.6k
Net assets	£14.1k	£14.1k

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

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (25 events)Click to expand

2025-07-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-04
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-08-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-11-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-09-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-07-05
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2017-07-05
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2016-12-02
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-06-27
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-09-18
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-07-02
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-10-22
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2002-10-21
🔒
Charge registered #1
Lender: Hsbc Bank PLC
2002-06-25
🏢
Company incorporated
As MORTGAGE INFORMATION CENTRE LIMITED
2002-06-25
➕
MACKAY, Donald appointed
secretary
2002-06-25
➕
MACKAY, Donald appointed
director
2002-06-25
➕
ROBERTSON, Robert Paul appointed
director
2002-06-25
➕
BRIAN REID LTD. appointed
corporate-nominee-secretary
2002-06-25
➖
BRIAN REID LTD. resigned
corporate-nominee-secretary
2002-06-25
➕
STEPHEN MABBOTT LTD. appointed
corporate-nominee-director
2002-06-25
➖
STEPHEN MABBOTT LTD. resigned
corporate-nominee-director

Owner dependency

83/100

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.
+Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 66 — succession pressure is live.

Succession & seller-readiness

86/100

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 66. Approaching typical UK retirement age — succession thinking likely.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 24 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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Robert Paul Roberson Individual · American · DOB 05/1963 · age 63	25–50%	—	25-50% shares	01/06/2016
Mr Donald Murdo Mackay Individual · British · DOB 01/1960 · age 66	25–50%	—	25-50% shares	01/06/2016

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 · ML postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ARDMORE FINANCIAL PLANNING LIMITED→ SC363882 · est 2009	—	—	—	800	16y	83	58y
ARCHIBALD MACINNES AND COMPANY LIMITED→ SC031316 · est 1956	—	—	£1.24M	—	70y	82	76y
A.J. OPTIONS LIMITED→ SC229017 · est 2002	—	—	—	400	24y	80	70y
ANNIE DUNCAN LTD.→ SC289895 · est 2005	—	—	£524	—	20y	80	68y
AVETON GIFFORD ASSOCIATES LIMITED→ SC268741 · est 2004	—	—	£348.5k	—	21y	80	67y
DAVID DOUGAN FINANCIAL SERVICES LIMITED→ SC350319 · est 2008	—	—	£30.5k	—	17y	80	66y
EXECUTIVE BENEFIT SERVICES (U.K.) LIMITED→ SC054039 · est 1973 · no financials extracted	—	—	—	—	52y	80	71y
EXECUTIVE FINANCIAL SERVICES LIMITED→ SC280840 · est 2005	—	—	£298.8k	—	21y	80	73y
F. P. BREEN LIMITED→ SC244307 · est 2003	—	—	£2.2k	—	23y	80	60y
H.B. MORTGAGE SOLUTIONS LTD.→ SC304331 · est 2006	—	—	£15.9k	—	19y	80	63y
HC2M INDEPENDENT MORTGAGE SHOP LTD.→ SC318534 · est 2007	—	—	£61.6k	—	19y	80	67y
GB FINANCIAL SERVICES LIMITED→ SC554846 · est 2017 · no financials extracted	—	—	—	—	9y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2002-06-25

Jurisdictionscotland

Primary SIC66220 — Activities of insurance agents and brokers

Registered office

52 Quarry Street

Hamilton

Lanarkshire

ML3 7AU

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-06-28

Last: 2025-06-14

Officers (3 active · 2 resigned)

MACKAY, Donald→

secretary · appointed 2002-06-25

View their other companies + combined net worth →

Active

MACKAY, Donald→

director · ~66y · appointed 2002-06-25

View their other companies + combined net worth →

Active

ROBERTSON, Robert Paul→

director · ~63y · appointed 2002-06-25

View their other companies + combined net worth →

Active

BRIAN REID LTD.→

corporate-nominee-secretary · appointed 2002-06-25 · resigned 2002-06-25

Resigned

STEPHEN MABBOTT LTD.→

corporate-nominee-director · appointed 2002-06-25 · resigned 2002-06-25

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	HSBC Hsbc Bank PLC	Floating charge	1 property	21/10/2002	—

Click column headers to sort. Use filters above to narrow by status and lender.