THE MORTGAGE HUB LIMITED

🌳Matureactive
SC307419 · ltd · incorporated 2006-08-24
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 18.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£390.2k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Administration of financial markets
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 59). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 18.2y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 18.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (79/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
56 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £390,243
Net assets shrinking
Down £715 YoY
Cash YoY
+10%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£389k
↑ 9.9% YoY
Net Worth
£390k
~ YoY
Current Assets
£527k
↓ 9.1% YoY
Current Liabilities
—
£0£116k£232k£348k£464k£580kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£405.6k£445.0k
Current assets£527.0k£579.9k
Cash£389.4k£354.3k
Debtors£137.7k£225.6k
Net assets£390.2k£391.0k

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 (20 events)Click to expand
  1. 2025-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2022-09-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2021-09-09
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2020-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2019-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-04-30
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2019-04-30
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2019-04-30
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2018-12-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  12. 2018-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2017-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2016-09-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-09-17
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2008-03-20
    🔒
    Charge registered #1
    Lender: Royal Bank of Scotland PLC
  17. 2006-08-24
    🏢
    Company incorporated
    As THE MORTGAGE HUB LIMITED
  18. 2006-08-24
    ➕
    CAMPBELL, Lynsey appointed
    secretary
  19. 2006-08-24
    ➕
    CAMPBELL, Lynsey Morag appointed
    director
  20. 2006-08-24
    ➕
    KANE, Wilson appointed
    director

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

Succession & seller-readiness

69/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 20 years.
  • 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
NameSharesVoting rightsNature of controlNotified
Miss Lynsey Morag Campbell
Individual · British · DOB 05/1982 · age 44
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
Mr Wilson Kane
Individual · British · DOB 02/1967 · age 59
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016

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 →

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——£14.1k—23y8266y
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———40024y8070y
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——£348.5k—21y8067y
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——£30.5k—17y8066y
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——£298.8k—21y8073y
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——£2.2k—23y8060y
H.B. MORTGAGE SOLUTIONS LTD.→
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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
Incorporated2006-08-24
Jurisdictionscotland
Primary SIC66110 — Administration of financial markets

Registered office

38 Cadzow Street
Hamilton
ML3 6DG
United Kingdom

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-09-07
Last: 2025-08-24

Officers (3 active · 0 resigned)

CAMPBELL, Lynsey→
secretary · appointed 2006-08-24
View their other companies + combined net worth →
Active
CAMPBELL, Lynsey Morag→
director · ~44y · appointed 2006-08-24
View their other companies + combined net worth →
Active
KANE, Wilson→
director · ~59y · appointed 2006-08-24
View their other companies + combined net worth →
Active

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
Bond & floating charge1 property20/03/2008—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (56 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-26
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-24
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-24
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-09-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-09-27
confirmation-statement-with-updates
confirmation-statement · CS01
2019-08-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2019-04-30