PRESTIGE MORTGAGES LTD
💤Zombieactive
SC240116 · ltd · incorporated 2002-11-25
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
£7.6k
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
PursueActive trading company with a 63-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 63). 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).
🏦
Refinance opportunity
1 live charge · oldest 3.0y
10/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 3.0 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (76/100)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
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
64 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £7,645
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£8k
↑ 19% YoY
Current Assets
—
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 | £58.4k | £69.7k |
| Current assets | — | £144.3k |
| Debtors | £153.4k | £144.3k |
| Net assets | £7.6k | £6.4k |
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
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2025-08-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-03-06📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-06-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-05-30🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2023-01-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-03-20📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-06-19📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-11-26📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-03-26📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2013-11-26➖HOWLAND, Lindsey Macleod resigneddirector
- 2007-02-27➕HOWLAND, Lindsey Macleod appointeddirector
- 2002-11-28➖FORM 10 SECRETARIES FD LTD resignedcorporate-nominee-secretary
- 2002-11-28➖FORM 10 DIRECTORS FD LTD resignedcorporate-nominee-director
- 2002-11-25🏢Company incorporatedAs PRESTIGE MORTGAGES LTD
- 2002-11-25➕HOWLAND, Lindsey Macleod appointedsecretary
- 2002-11-25➕HOWLAND, Allen appointeddirector
- 2002-11-25➕FORM 10 SECRETARIES FD LTD appointedcorporate-nominee-secretary
- 2002-11-25➕FORM 10 DIRECTORS FD LTD appointedcorporate-nominee-director
Owner dependency
93/100
Critical — business is the founderThe 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 23 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
Succession & seller-readiness
95/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 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
cleanNo 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 Allen Howland Individual · British · DOB 02/1963 · age 63 | 25–50% | — | 25-50% shares | 06/04/2016 |
Lindsey Macleod Howland Individual · British · DOB 07/1969 · age 57 | 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 · Trade services · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| S.K.L.L CONSULTING LTD→ SC656524 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| SHIELDHILL RENEWABLES LIMITED→ SC884634 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| SHILLIDAY PROPERTY LIMITED→ SC870705 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SHIMALIR WEDDINGS LTD→ SC873434 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SIGMA SOLVED LTD→ SC785580 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| SIGMACHEM LTD→ SC813425 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| SIGN LANGUAGE CENTRAL LIMITED→ SC641515 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| SILENT JOURNEYS LTD→ SC841446 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| SIMPSON'S ROPES SPECIALISTS LTD→ SC864118 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SIMS SCENIC LIMITED→ SC630329 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| SINCLAIR VOICENET LIMITED→ SC191983 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| SINOPER LTD→ SC719718 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
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.
See pricing →Company details
Statusactive
Typeltd
Incorporated2002-11-25
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.
Registered office
1st Floor, 145 St Vincent Street
Glasgow
Strathclyde
G2 5JF
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-12-09
Last: 2025-11-25
Officers (2 active · 3 resigned)
HOWLAND, Lindsey Macleod→
Activesecretary · appointed 2002-11-25
View their other companies + combined net worth →
HOWLAND, Allen→
Activedirector · ~63y · appointed 2002-11-25
View their other companies + combined net worth →
FORM 10 SECRETARIES FD LTD→
Resignedcorporate-nominee-secretary · appointed 2002-11-25 · resigned 2002-11-28
HOWLAND, Lindsey Macleod→
Resigneddirector · ~57y · appointed 2007-02-27 · resigned 2013-11-26
FORM 10 DIRECTORS FD LTD→
Resignedcorporate-nominee-director · appointed 2002-11-25 · resigned 2002-11-28
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 30/05/2023 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (64 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-03-06
change-person-secretary-company-with-change-date
officers · CH03
2024-03-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-06-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-08-26