THE EDINBURGH MORTGAGE COMPANY LTD.

🌳Matureactive
SC395377 · ltd · incorporated 2011-03-14
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
—
book net assets
Opportunity
76/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company 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 (77/100)

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
8 officers (4 active, 8 linked, 6 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
42 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees600600

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

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 (28 events)Click to expand
  1. 2025-09-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-12-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-12-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-11-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2020-08-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2019-10-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2018-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2017-09-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2016-12-16
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  11. 2016-04-19
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  12. 2015-12-19
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2015-03-18
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2014-11-11
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2014-10-31
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2014-01-31
    ➕
    ALLEN, Hannah Louise appointed
    director
  17. 2014-01-31
    ➕
    LAWRIE, Cameron appointed
    director
  18. 2013-03-20
    ➖
    ALLEN, Hannah Louise resigned
    director
  19. 2012-05-01
    ➕
    ALLEN, Hannah Louise appointed
    director
  20. 2011-03-14
    🏢
    Company incorporated
    As THE EDINBURGH MORTGAGE COMPANY LTD.
  21. 2011-03-14
    ➕
    ALLEN, Hannah Louise appointed
    secretary
  22. 2011-03-14
    ➕
    LAWRIE, Roderick appointed
    director
  23. 2011-03-14
    ➕
    TRAINER, Peter appointed
    secretary
  24. 2011-03-14
    ➖
    TRAINER, Peter resigned
    secretary
  25. 2011-03-14
    ➕
    MCINTOSH, Susan appointed
    director
  26. 2011-03-14
    ➖
    MCINTOSH, Susan resigned
    director
  27. 2011-03-14
    ➕
    TRAINER, Peter appointed
    director
  28. 2011-03-14
    ➖
    TRAINER, Peter resigned
    director

Owner dependency

68/100
High — earn-out structure required

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

FACTORS
  • +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

53/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondary12+ year tenure: Director in role 15 years.
  • secondaryStable-but-static management: Company is 15 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Roderick Lawrie
Individual · British · DOB 05/1970 · age 56
——sig. influencesignificant influence01/03/2017

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

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AMATI GLOBAL INVESTORS LIMITED→
SC199908 · est 1999
£8.90M
£6.47M–£11.33M
——280026y8466y
CS MANAGERS LTD→
SC231678 · est 2002
£1.50M
£1.09M–£1.91M
——120023y8677y
GBCP VII (GENERAL PARTNER) LIMITED→
SC253395 · est 2003 · no financials extracted
————22y8362y
NOBLE GROSSART LIMITED→
SC046265 · est 1969 · no financials extracted
————57y8372y
PREMIER COMMERCIAL LIMITED→
SC160330 · est 1995
——£282.5k—30y8361y
RIA CAPITAL MARKETS LIMITED→
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————24y8358y
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———130022y8358y
ALAN STEEL (ASSET MANAGEMENT) LIMITED→
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———4450y8262y
ALEX HAMMOND-CHAMBERS & COMPANY→
SC126819 · est 1990 · no financials extracted
————35y8284y
BANDRON LIMITED→
SC082385 · est 1983
———40043y8271y
BRIDGEPOINT EUROPE (SGP) LTD→
SC332267 · est 2007 · no financials extracted
————18y8261y
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——£50.9k—17y8267y
Peers ranked by estimated value, then turnover, then opportunity score.See all →
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Available from the Pro tier upwards.

See pricing →
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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.

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Company details

Statusactive
Typeltd
Incorporated2011-03-14
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

1 Dalhousie Crescent
Dalkeith
Midlothian
EH22 3DP

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-28
Last: 2025-09-14

Officers (4 active · 4 resigned)

ALLEN, Hannah Louise→
secretary · appointed 2011-03-14
View their other companies + combined net worth →
Active
ALLEN, Hannah Louise→
director · ~52y · appointed 2014-01-31
View their other companies + combined net worth →
Active
LAWRIE, Cameron→
director · ~31y · appointed 2014-01-31
View their other companies + combined net worth →
Active
LAWRIE, Roderick→
director · ~56y · appointed 2011-03-14
View their other companies + combined net worth →
Active
TRAINER, Peter→
secretary · appointed 2011-03-14 · resigned 2011-03-14
Resigned
ALLEN, Hannah Louise→
director · ~52y · appointed 2012-05-01 · resigned 2013-03-20
Resigned
MCINTOSH, Susan→
director · ~56y · appointed 2011-03-14 · resigned 2011-03-14
Resigned
TRAINER, Peter→
director · ~74y · appointed 2011-03-14 · resigned 2011-03-14
Resigned

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

Recent filings (42 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-30
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-08-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-10-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-04-03