INTELLIGENT MORTGAGE SERVICES LIMITED

💤Zombieactive

SC241484 · ltd · incorporated 2002-12-20

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 Dec 2025

Net worth

£100.3k

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Activities of mortgage finance companies

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 59). 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

5 officers (2 active, 5 linked, 2 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

56 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 £100,320

Net assets shrinking

Down £5,119 YoY

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£100k

↓ 4.9% YoY

Current Assets

£134k

↑ 1.4% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-12-31	2024-12-31
Total assets	£103.7k	£110.6k
Current assets	£134.4k	£132.5k
Net assets	£100.3k	£105.4k

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

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (24 events)Click to expand

2026-03-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-11
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-08
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-08-06
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-06-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-02-19
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2018-09-07
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-06-20
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-05-23
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-01-12
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-03-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2015-01-14
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2003-06-09
➕
GOLD, Fiona appointed
secretary
2003-06-09
➕
GOLD, Steven Thomas appointed
director
2003-06-09
➖
BUCKLEY, Aileen Sandra resigned
secretary
2003-06-09
➖
CALLANDER, Albert resigned
director
2002-12-20
🏢
Company incorporated
As INTELLIGENT MORTGAGE SERVICES LIMITED
2002-12-20
➕
BUCKLEY, Aileen Sandra appointed
secretary
2002-12-20
➕
OSWALDS OF EDINBURGH LIMITED appointed
corporate-nominee-secretary
2002-12-20
➖
OSWALDS OF EDINBURGH LIMITED resigned
corporate-nominee-secretary
2002-12-20
➕
CALLANDER, Albert appointed
director

Owner dependency

93/100

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 23 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

85/100

Likely off-market candidate

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
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

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%

Name	Shares	Voting rights	Nature of control	Notified
Mr Steven Thomas Gold Individual · British · DOB 02/1967 · age 59	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	20/12/2016

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 · DD postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
FLATS 4 U LIMITED→ SC145404 · est 1993 · no financials extracted	—	—	—	—	32y	—	—
GARRY HAY INSURE LTD→ SC650095 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
JP MAXWELL FINANCIAL MANAGEMENT LTD→ SC565531 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
JP MAXWELL WEALTH MANAGEMENT LTD→ SC574312 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
L P PROPERTIES (2008) LIMITED→ SC333716 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
LAND MANAGEMENT (SCOTLAND) LTD.→ SC250200 · est 2003 · no financials extracted	—	—	—	—	22y	—	—
MAKER DBPH LIMITED→ SC790301 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
MDLC PROPERTY SERVICES LTD→ SC870858 · est 2025 · no financials extracted	—	—	—	—	—	—	—
MGA FINANCIAL MANAGEMENT LIMITED→ SC189425 · est 1998 · no financials extracted	—	—	—	—	27y	—	—
MLM FINANCIAL SERVICES LTD→ SC724143 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
MORTGAGE MANAGERS LIMITED→ SC375517 · est 2010 · no financials extracted	—	—	—	—	16y	—	—
MORTGAGES & FINANCIAL SERVICES FOR ALL (SCOTLAND) LTD.→ SC241899 · est 2003 · no financials extracted	—	—	—	—	23y	—	—

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

Incorporated2002-12-20

Jurisdictionscotland

Primary SIC64922 — Activities of mortgage finance companies

Registered office

1 Somerville Place

Dundee

DD3 6JJ

Scotland

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2027-01-02

Last: 2025-12-19

Officers (2 active · 3 resigned)

GOLD, Fiona→

secretary · appointed 2003-06-09

View their other companies + combined net worth →

Active

GOLD, Steven Thomas→

director · ~59y · appointed 2003-06-09

View their other companies + combined net worth →

Active

BUCKLEY, Aileen Sandra→

secretary · appointed 2002-12-20 · resigned 2003-06-09

Resigned

OSWALDS OF EDINBURGH LIMITED→

corporate-nominee-secretary · appointed 2002-12-20 · resigned 2002-12-20

Resigned

CALLANDER, Albert→

director · ~67y · appointed 2002-12-20 · resigned 2003-06-09

Resigned

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