PROFESSIONAL MORTGAGE ADVISERS LTD

💤Zombieactive
SC270934 · ltd · incorporated 2004-07-21
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 · high confidence
Thesis has shifted recently — watch for confirmation.
  • · Lifecycle stage: mature → zombie
  • · Investment thesis: well_run_hard_buy → zombie_hold
  • · Deal-killer verdict: clean → complicated
  • · Hygiene score: 90 → 85
Opportunity decay
drifting distress · 6-months
Drifting toward distress — expect more negotiability in 3–6 months, but also more friction.
  • · Lifecycle stage drifting downward
  • · Currently "zombie"
What changed my view
Last 30 days

Picture worsened over the last 30 days — 3 negative signals vs 1 positive.

  • ↓Lifecycle stage: mature → zombie
  • ·Investment thesis: well_run_hard_buy → zombie_hold
  • ↓Deal-killer verdict: clean → complicated
  • ↓Hygiene score: 90 → 85
  • ↑PSC count: 2 → 3
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 Feb 2026
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 62-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 62). 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: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (1 active, 4 linked, 2 with DOB)
80
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
61 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
90
Good data coverage for analysis.

Key financials

3 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Aug 2023Aug 2024Feb 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-02-282024-08-312023-08-31
Average employees200200—

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
8
filings
  • • 3 persons-with-significant-control
  • • 3 officers
  • • 2 accounts
Last 180 days
8
filings
  • • 3 persons-with-significant-control
  • • 3 officers
  • • 2 accounts
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
  1. 2026-06-05
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2026-06-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2026-05-26
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  4. 2026-05-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2026-05-26
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  6. 2026-05-26
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  7. 2026-05-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2026-05-11
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  9. 2026-02-28
    ➖
    O'CONNOR, Bethany resigned
    director
  10. 2025-07-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2025-07-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2025-06-26
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2025-05-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2024-08-05
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  15. 2024-08-05
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  16. 2024-08-05
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  17. 2024-01-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2023-08-31
    ➖
    KENNEDY, Kathryn resigned
    secretary
  19. 2023-08-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  20. 2023-08-21
    ➕
    O'CONNOR, Bethany appointed
    director
  21. 2023-08-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  22. 2022-11-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  23. 2021-10-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  24. 2004-07-21
    🏢
    Company incorporated
    As PROFESSIONAL MORTGAGE ADVISERS LTD
  25. 2004-07-21
    ➕
    MCLAUGHLIN, Beverley Ganson appointed
    director
  26. 2004-07-21
    ➕
    KENNEDY, Kathryn appointed
    secretary
  27. 2004-07-21
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  28. 2004-07-21
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary

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 22 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — 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 62. 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 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 22 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%
NameSharesVoting rightsNature of controlNotified
Mrs Beverley Ganson Mclaughlin
Individual · British · DOB 06/1964 · age 62
75–100%
75–100%board control75-100% shares · 75-100% voting · board control28/02/2026
2 historic (ceased) PSCs
  • Ms Bethany O'Connorceased 28/02/2026· 75-100% shares · 75-100% voting · board control
  • Mrs Beverley Mclaughlinceased 01/09/2023· 75-100% shares · 75-100% voting · board control · significant influence

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2004-07-21
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

3 Barossa Place
Perth
Perth And Kinross
PH1 5HG
Scotland

Filing status

Accounts
Next due: 2027-11-30
Last made up to: 2026-02-28
Confirmation statement
Next due: 2026-08-04
Last: 2025-07-21

Officers (1 active · 3 resigned)

MCLAUGHLIN, Beverley Ganson→
director · ~62y · appointed 2004-07-21
View their other companies + combined net worth →
Active
KENNEDY, Kathryn→
secretary · appointed 2004-07-21 · resigned 2023-08-31
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2004-07-21 · resigned 2004-07-21
Resigned
O'CONNOR, Bethany→
director · ~30y · appointed 2023-08-21 · resigned 2026-02-28
Resigned

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

Recent filings (61 total)

change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-06-05
change-person-director-company-with-change-date
officers · CH01
2026-06-05
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-05-26
change-person-director-company-with-change-date
officers · CH01
2026-05-26
termination-director-company-with-name-termination-date
officers · TM01
2026-05-26
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-05-26
accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-13
change-account-reference-date-company-previous-extended
accounts · AA01
2026-05-11
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-21
change-person-director-company-with-change-date
officers · CH01
2025-07-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-26
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-22
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-05
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-08-05