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.

Why now

Window steady · low confidence

Steady and stalled — no momentum either way. Needs an approach trigger.

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒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

filings

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 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

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
CAMERON FINANCIAL LIMITED→ SC329254 · est 2007	—	—	—	—	18y	82	59y
MGA FINANCIAL MANAGEMENT LIMITED→ SC189425 · est 1998	—	—	—	300	27y	82	63y
STUART GEARTY (INSURANCE SERVICES) LTD.→ SC195449 · est 1999	—	—	—	4	27y	82	87y
THE MORTGAGE FINANCE STORE LIMITED→ SC245264 · est 2003	—	—	£158.9k	—	23y	82	68y
MORTGAGE MANAGERS LIMITED→ SC375517 · est 2010	—	—	£19.1k	—	16y	81	63y
SCOTTISH CANADIAN TRUST. LIMITED→ SC006394 · est 1907	—	—	—	0	119y	81	84y
ANGUS M WATSON LTD.→ SC336578 · est 2008	—	—	£100.2k	—	18y	80	75y
COMMERCIAL RISK SOLUTIONS LTD→ SC368285 · est 2009	—	—	—	100	16y	80	63y
FORTH FINANCIAL SERVICES (FIFE) LIMITED→ SC241029 · est 2002	—	—	—	300	23y	80	74y
GLENABER LIMITED→ SC242360 · est 2003	—	—	£1.02M	—	23y	80	68y
HILLEROD LIMITED→ SC127178 · est 1990	—	—	£2	—	35y	80	74y
LAND MANAGEMENT (SCOTLAND) LTD.→ SC250200 · est 2003	—	—	£438.7k	—	23y	80	59y

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.