GT MORTGAGES LTD.

🌳Matureactive

SC298635 · ltd · incorporated 2006-03-13

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

—

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

Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 67). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (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

Lenders & charges

Confirmed no charges registered

Directors & officers

5 officers (3 active, 5 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

59 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.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Average employees	200	200

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (24 events)Click to expand

2025-12-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-06
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-03-16
📄
change-person-director-company-with-change-date
officers · CH01
2020-03-16
📄
change-person-director-company-with-change-date
officers · CH01
2020-03-16
📄
change-person-secretary-company-with-change-date
officers · CH03
2020-03-16
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-03-16
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2019-12-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-09
📄
change-person-director-company-with-change-date
officers · CH01
2019-12-09
📄
change-person-secretary-company-with-change-date
officers · CH03
2019-12-09
📄
change-person-director-company-with-change-date
officers · CH01
2018-12-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2006-03-13
🏢
Company incorporated
As GT MORTGAGES LTD.
2006-03-13
➕
THOMSON, Alana Marie appointed
secretary
2006-03-13
➕
THOMSON, Alana Marie appointed
director
2006-03-13
➕
THOMSON, Graham appointed
director
2006-03-13
➕
BRIAN REID LTD. appointed
corporate-nominee-secretary
2006-03-13
➖
BRIAN REID LTD. resigned
corporate-nominee-secretary
2006-03-13
➕
STEPHEN MABBOTT LTD. appointed
corporate-nominee-director
2006-03-13
➖
STEPHEN MABBOTT LTD. resigned
corporate-nominee-director

Owner dependency

91/100

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

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 67 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

86/100

Likely off-market candidate

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 20 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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Graham Thomson Individual · British · DOB 07/1959 · age 67	25–50%	—	25-50% shares	06/04/2016
Mrs Alana Marie Thomson Individual · British · DOB 07/1977 · age 49	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 · Financial services · FK postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
RUSSEL + AITKEN NOMINEES LIMITED→ SC052053 · est 1972	—	—	—	5	53y	83	69y
DENIS O. BROWN & ASSOCIATES LIMITED→ SC046416 · est 1969 · no financials extracted	—	—	—	—	57y	82	67y
FULCRUM INSURED EMPLOYEE BENEFITS LIMITED→ SC335390 · est 2007	—	—	£89.8k	—	18y	82	65y
GEORGE GILL FINANCIAL SERVICES LTD.→ SC299207 · est 2006	—	—	£110.3k	—	20y	82	61y
FRASER TENNANT FINANCIAL SOLUTIONS LIMITED→ SC249345 · est 2003 · no financials extracted	—	—	—	—	22y	81	61y
A.R.D. CONSULTANCY LIMITED→ SC334089 · est 2007	—	—	—	900	18y	80	64y
ASM RECOVERY LIMITED→ SC340517 · est 2008	—	—	—	100	18y	80	65y
ASSET & GENERAL FINANCE LTD→ SC308532 · est 2006	—	—	£1.6k	—	19y	80	63y
FALKIRK MORTGAGE ADVICE CENTRE (SCOTLAND) LTD→ SC358034 · est 2009	—	—	£16.8k	—	17y	80	59y
HAZELL CARR (AT) SERVICES LIMITED→ SC420031 · est 2012 · no financials extracted	—	—	—	—	14y	80	59y
KINGS PARK FINANCIAL MANAGEMENT (SCOTLAND) LIMITED→ SC264618 · est 2004 · no financials extracted	—	—	—	—	22y	80	64y
MCARTHUR SMITH FINANCIAL MANAGEMENT LTD→ SC221244 · est 2001 · no financials extracted	—	—	—	—	24y	80	61y

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

Incorporated2006-03-13

Jurisdictionscotland

Primary SIC64922 — Activities of mortgage finance companies

Registered office

10 Bank Street

Falkirk

FK1 1NB

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-03-27

Last: 2026-03-13

Officers (3 active · 2 resigned)

THOMSON, Alana Marie→

secretary · appointed 2006-03-13

View their other companies + combined net worth →

Active

THOMSON, Alana Marie→

director · ~49y · appointed 2006-03-13

View their other companies + combined net worth →

Active

THOMSON, Graham→

director · ~67y · appointed 2006-03-13

View their other companies + combined net worth →

Active

BRIAN REID LTD.→

corporate-nominee-secretary · appointed 2006-03-13 · resigned 2006-03-13

Resigned

STEPHEN MABBOTT LTD.→

corporate-nominee-director · appointed 2006-03-13 · resigned 2006-03-13

Resigned

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