PROFESSIONAL MORTGAGE ADVISERS LTD

🌳Matureactive
SC270934 · ltd · incorporated 2004-07-21
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
—
Upgrade to see
Turnover
—
year to Aug 2024
Net worth
—
book net assets
Opportunity
81/100
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 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 62). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

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
Confirmed no charges registered
85
Directors & officers
4 officers (2 active, 4 linked, 2 with DOB)
80
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
53 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

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

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · IFRS
Metric2024-08-312023-08-31
Average employees200—

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
0
filings
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2025-07-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2025-07-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-06-26
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-05-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-08-05
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  6. 2024-08-05
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  7. 2024-08-05
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  8. 2024-01-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2023-08-31
    ➖
    KENNEDY, Kathryn resigned
    secretary
  10. 2023-08-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2023-08-21
    ➕
    O'CONNOR, Bethany appointed
    director
  12. 2023-08-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2022-11-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2021-10-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2020-11-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2019-12-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2019-05-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2017-10-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2004-07-21
    🏢
    Company incorporated
    As PROFESSIONAL MORTGAGE ADVISERS LTD
  20. 2004-07-21
    ➕
    CALLANDER, Beverley appointed
    director
  21. 2004-07-21
    ➕
    KENNEDY, Kathryn appointed
    secretary
  22. 2004-07-21
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  23. 2004-07-21
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

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 22 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.

Succession & seller-readiness

66/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • 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
Ms Bethany O'Connor
Individual · British · DOB 07/1996 · age 30
75–100%
75–100%board control75-100% shares · 75-100% voting · board control01/09/2023
1 historic (ceased) PSC
  • 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

6 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: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-08-04
Last: 2025-07-21

Officers (2 active · 2 resigned)

CALLANDER, Beverley→
director · ~62y · appointed 2004-07-21
View their other companies + combined net worth →
Active
O'CONNOR, Bethany→
director · ~30y · appointed 2023-08-21
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

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

Recent filings (53 total)

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
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-08-05
termination-secretary-company-with-name-termination-date
officers · TM02
2024-08-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-22
change-person-director-company-with-change-date
officers · CH01
2023-08-23
appoint-person-director-company-with-name-date
officers · AP01
2023-08-21
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-21
confirmation-statement-with-updates
confirmation-statement · CS01
2022-08-01