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.

Why now

Window steady · low confidence

Steady and tidy — no seller pressure yet. Approach only if an angle opens.

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2026

Net worth

£19.1k

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: high (83/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 2 SIC codes, incorporation date

100

Financials

3 years of iXBRL accounts extracted + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

4 officers (3 active, 4 linked, 3 with DOB)

Ownership & PSC

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

Director network

Network not yet resolved

Filing history

41 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

81/100Exceptional

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.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Positive net assets

Net assets £19,115

Net assets shrinking

Down £32,818 YoY

Key financials

3 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£19k

↓ 63% YoY

Current Assets

£20k

↓ 66% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2026-03-31	2025-03-31	2024-03-31
Total assets	£21.0k	£53.8k	£51.7k
Current assets	£20.4k	£59.5k	£52.4k
Net assets	£19.1k	£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

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 2 confirmation-statement
• 2 persons-with-significant-control
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (20 events)Click to expand

2026-05-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-24
📄
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
2026-02-25
➕
GILMOUR, Jenna Margaret appointed
director
2026-02-25
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-05-06
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-25
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-06-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-05-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-03-15
📄
capital-allotment-shares
capital · SH01
2018-06-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-06-06
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-10-01
➖
OLIPHANT, Craig Adam resigned
director
2010-03-24
🏢
Company incorporated
As MORTGAGE MANAGERS LIMITED
2010-03-24
➕
WATSON, Gordon Arthur appointed
secretary
2010-03-24
➕
WATSON, Gordon Arthur appointed
director
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%

Name	Shares	Voting rights	Nature of control	Notified
Mrs Jenna Margaret Gilmour Individual · British · DOB 10/1991 · age 35	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	24/03/2026
Mr Gordon Arthur Watson Individual · British · DOB 04/1963 · age 63	—	—	sig. influencesignificant influence	14/10/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Financial services · DD postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
CAMERON FINANCIAL LIMITED→ SC329254 · est 2007	—	—	—	—	18y	82	59y
MGA FINANCIAL MANAGEMENT LIMITED→ SC189425 · est 1998	—	—	—	300	27y	82	63y
STUART GEARTY (INSURANCE SERVICES) LTD.→ SC195449 · est 1999	—	—	—	4	27y	82	87y
THE MORTGAGE FINANCE STORE LIMITED→ SC245264 · est 2003	—	—	£158.9k	—	23y	82	68y
SCOTTISH CANADIAN TRUST. LIMITED→ SC006394 · est 1907	—	—	—	0	119y	81	84y
ANGUS M WATSON LTD.→ SC336578 · est 2008	—	—	£100.2k	—	18y	80	75y
COMMERCIAL RISK SOLUTIONS LTD→ SC368285 · est 2009	—	—	—	100	16y	80	63y
FORTH FINANCIAL SERVICES (FIFE) LIMITED→ SC241029 · est 2002	—	—	—	300	23y	80	74y
GLENABER LIMITED→ SC242360 · est 2003	—	—	£1.02M	—	23y	80	68y
HILLEROD LIMITED→ SC127178 · est 1990	—	—	£2	—	35y	80	74y
INTELLIGENT MORTGAGE SERVICES LIMITED→ SC241484 · est 2002	—	—	£100.3k	—	23y	80	59y
LAND MANAGEMENT (SCOTLAND) LTD.→ SC250200 · est 2003	—	—	£438.7k	—	23y	80	59y

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: 2027-12-31

Last made up to: 2026-03-31

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 (41 total)

accounts-with-accounts-type-micro-entity

accounts · AA

2026-05-26

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