LANARKSHIRE MORTGAGE AND INSURANCE SERVICES LTD
🌳Matureactive
SC347886 · ltd · incorporated 2008-09-01
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 Mar 2025
Net worth
£76.1k
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 76/100 (strong), bankability 75/100. 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).
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
Confirmed no charges registered
85
Directors & officers
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
57 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £76,069
Net assets shrinking
Down £17,686 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£76k
↓ 19% YoY
Current Assets
£86k
↓ 31% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £77.8k | £100.6k |
| Current assets | £86.0k | £124.2k |
| Net assets | £76.1k | £93.8k |
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
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2025-12-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-07➕RANDALL, Laura appointedsecretary
- 2023-12-07📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2023-12-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-10-01➕RANDALL, Laura appointeddirector
- 2023-09-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-09-12📄change-person-director-company-with-change-dateofficers · CH01
- 2022-09-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-09-08📄change-person-director-company-with-change-dateofficers · CH01
- 2022-09-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-10-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-12-19📄change-person-director-company-with-change-dateofficers · CH01
- 2019-12-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-12-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2014-07-02➖CREEVY, Alistair James resigneddirector
- 2008-09-01🏢Company incorporatedAs LANARKSHIRE MORTGAGE AND INSURANCE SERVICES LTD
- 2008-09-01➕RANDALL, David appointeddirector
- 2008-09-01➕CREEVY, Alistair James appointeddirector
Owner dependency
76/100
High — earn-out structure requiredMaterial 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 18 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
49/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 18 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo 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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David Randall Individual · British · DOB 12/1976 · age 50 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 01/08/2016 |
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 →Similar companies
Active · Financial services · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CALEDONIA CAPITAL LIMITED→ SC719417 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| DUCKETT FAMILY INVESTMENTS LIMITED→ SC838585 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| GB FINANCIAL SERVICES LIMITED→ SC554846 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| GERUT PROPERTIES LTD→ SC786668 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| H.B. MORTGAGE SOLUTIONS LTD.→ SC304331 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| KILLYGORE INVESTMENTS LIMITED→ SC769179 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| LEGACY CORPORATE SOLUTIONS LTD→ SC844168 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| MV FINANCE LTD→ SC552652 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| NANCI CREEDON HOLDINGS LTD→ SC829800 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| NORTH COMMERCIAL FINANCE LIMITED→ SC654746 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ONE STOP MORTGAGE SHOP LIMITED→ SC508024 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| OPA WEALTH MANAGEMENT LIMITED→ SC598394 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2008-09-01
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies
Registered office
23 Stirling Street
Airdrie
North Lanarkshire
ML6 0AH
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-15
Last: 2025-09-01
Officers (3 active · 1 resigned)
Active
RANDALL, David→
Activedirector · ~50y · appointed 2008-09-01
View their other companies + combined net worth →
RANDALL, Laura→
Activedirector · ~45y · appointed 2023-10-01
View their other companies + combined net worth →
CREEVY, Alistair James→
Resigneddirector · ~66y · appointed 2008-09-01 · resigned 2014-07-02
Click a director name to see their full track record across all companies.
Recent filings (57 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-02
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-12
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-12
appoint-person-director-company-with-name-date
officers · AP01
2024-03-26
appoint-person-secretary-company-with-name-date
officers · AP03
2023-12-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-12-07
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-05
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-09
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-12
change-person-director-company-with-change-date
officers · CH01
2022-09-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-12
change-person-director-company-with-change-date
officers · CH01
2022-09-08