MORTGAGE ADVICE BROKERAGE LTD

🌳Matureactive

SC336489 · ltd · incorporated 2008-01-21

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

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 18.3y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

—

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

ALSO REGISTERED FOR

66220Activities of insurance agents and brokers

Investor take

Pursue

Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 18.3y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 18.3 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

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, 2 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

5 officers (5 active, 5 linked, 4 with DOB)

Ownership & PSC

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

Director network

Network not yet resolved

Filing history

57 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

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

100

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 · FRS 102

Metric	2025-03-31	2024-03-31
Average employees	1500	1300

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (23 events)Click to expand

2025-10-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-06
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-05-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-08-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-11-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-08-22
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2016-06-16
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-03-14
📄
mortgage-satisfy-charge-full
mortgage · MR04
2016-03-14
🔓
Charge satisfied #1
2016-03-02
📄
capital-name-of-class-of-shares
capital · SH08
2016-03-02
📄
statement-of-companys-objects
change-of-constitution · CC04
2016-03-02
📄
resolution
resolution · RESOLUTIONS
2015-11-01
➕
ROLLESTON, Catherine Jayne appointed
director
2015-11-01
➕
WILLIAMSON, Catriona Jean appointed
director
2008-02-06
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
2008-01-21
🏢
Company incorporated
As MORTGAGE ADVICE BROKERAGE LTD
2008-01-21
➕
WILLIAMSON, George appointed
secretary
2008-01-21
➕
ROLLESTON, David John appointed
director
2008-01-21
➕
WILLIAMSON, George Howieson appointed
director

Owner dependency

66/100

High — earn-out structure required

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 58 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

63/100

Strong succession signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
secondary12+ year tenure: Director in role 18 years.
secondaryStable-but-static management: Company is 18 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 David John Rolleston Individual · British · DOB 02/1970 · age 56	25–50%	—	25-50% shares	07/04/2016
Mr George Howieson Williamson Individual · British · DOB 11/1968 · age 58	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 · G postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
@SIPP LIMITED→ SC217126 · est 2001	£37.09M £26.97M–£47.20M	£10.21M	—	6200	25y	85	62y
FORWARD ASSET FINANCE LIMITED→ SC337979 · est 2008	£1.02M £744.7k–£1.30M	—	—	500	18y	83	64y
COMMONWEALTH GAMES (SCOTLAND) ENDOWMENT FUND→ SC301214 · est 2006	£22.3k £16.2k–£28.3k	—	—	0	20y	83	66y
BLAIRSTON ENTERPRISES LIMITED→ SC368750 · est 2009	—	—	£2.38M	—	16y	83	72y
CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED→ SC200273 · est 1999 · no financials extracted	—	—	—	—	26y	83	59y
FEMALE INDEPENDENT LTD.→ SC245607 · est 2003	—	—	£20.0k	—	23y	83	66y
HARRY SMITH, LIMITED→ SC008622 · est 1913	—	—	£1.66M	—	113y	83	58y
KELVIN SMITH (INSURANCE BROKERS) LIMITED→ SC301532 · est 2006	—	—	£3.48M	—	20y	83	63y
NITRON INVESTMENTS LIMITED→ SC047915 · est 1970	—	—	£431.4k	—	55y	83	80y
PENTA CAPITAL INVESTMENTS LIMITED→ SC277543 · est 2004 · no financials extracted	—	—	—	—	21y	83	64y
TMW (COMMERCIAL) LIMITED→ SC781785 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
WHEATLEY FUNDING NO. 2 LIMITED→ SC470001 · est 2014 · no financials extracted	—	—	—	—	12y	—	—

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

Incorporated2008-01-21

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

730 Dumbarton Road

Glasgow

G11 6RD

Scotland

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-02-04

Last: 2026-01-21

Officers (5 active · 0 resigned)

WILLIAMSON, George→

secretary · appointed 2008-01-21

View their other companies + combined net worth →

Active

ROLLESTON, Catherine Jayne→

director · ~53y · appointed 2015-11-01

View their other companies + combined net worth →

Active

ROLLESTON, David John→

director · ~56y · appointed 2008-01-21

View their other companies + combined net worth →

Active

WILLIAMSON, Catriona Jean→

director · ~56y · appointed 2015-11-01

View their other companies + combined net worth →

Active

WILLIAMSON, George Howieson→

director · ~58y · appointed 2008-01-21

View their other companies + combined net worth →

Active

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	satisfied	Lloyds Banking Group The Royal Bank of Scotland PLC	Bond & floating charge	1 property	06/02/2008	14/03/2016