MORTGAGE MANAGERS LIMITED

🌳Matureactive
SC375517 · ltd · incorporated 2010-03-24
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
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
£51.9k
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66220Activities of insurance agents and brokers
Investor take
Pursue
Asset-holding vehicle with a 63-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (77/100)

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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
40 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.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £51,933

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£52k
↑ 1.8% YoY
Current Assets
£60k
↑ 14% YoY
Current Liabilities
—
£0£12k£24k£36k£48k£60kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£53.8k£51.7k
Current assets£59.5k£52.4k
Net assets£51.9k£51.0k

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
5
filings
  • • 2 confirmation-statement
  • • 2 persons-with-significant-control
  • • 1 officers
Last 180 days
5
filings
  • • 2 confirmation-statement
  • • 2 persons-with-significant-control
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2026-03-24
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  2. 2026-03-24
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2026-02-25
    ➕
    GILMOUR, Jenna Margaret appointed
    director
  4. 2026-02-25
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2025-05-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2024-08-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2023-05-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-04-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2021-05-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2020-06-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-05-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-03-15
    📄
    capital-allotment-shares
    capital · SH01
  13. 2018-06-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-06-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2016-10-01
    ➖
    OLIPHANT, Craig Adam resigned
    director
  16. 2010-03-24
    🏢
    Company incorporated
    As MORTGAGE MANAGERS LIMITED
  17. 2010-03-24
    ➕
    WATSON, Gordon Arthur appointed
    secretary
  18. 2010-03-24
    ➕
    WATSON, Gordon Arthur appointed
    director
  19. 2010-03-24
    ➕
    OLIPHANT, Craig Adam 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 16 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — 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
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 16 years.
  • 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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Jenna Margaret Gilmour
Individual · British · DOB 10/1991 · age 35
75–100%
75–100%board control75-100% shares · 75-100% voting · board control24/03/2026
Mr Gordon Arthur Watson
Individual · British · DOB 04/1963 · age 63
——sig. influencesignificant influence14/10/2016

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
Incorporated2010-03-24
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

18 Doctor Lang Place
Brechin
Angus
DD9 6BF

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-08
Last: 2026-03-25

Officers (3 active · 1 resigned)

WATSON, Gordon Arthur→
secretary · appointed 2010-03-24
View their other companies + combined net worth →
Active
GILMOUR, Jenna Margaret→
director · ~35y · appointed 2026-02-25
View their other companies + combined net worth →
Active
WATSON, Gordon Arthur→
director · ~63y · appointed 2010-03-24
View their other companies + combined net worth →
Active
OLIPHANT, Craig Adam→
director · ~58y · appointed 2010-03-24 · resigned 2016-10-01
Resigned

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

Recent filings (40 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-03-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-16
appoint-person-director-company-with-name-date
officers · AP01
2026-02-25
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-26
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-15
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-24
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-18
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-26