BORDERS MORTGAGE HUB LTD
💤Zombieactive
SC403244 · ltd · incorporated 2011-07-11
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
1 live charge · oldest 7.5y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 7.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
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, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 5 total, 5 with control declared
90
Director network
Network not yet resolved
30
Filing history
57 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Average employees | 400 | 400 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2025-10-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-06-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-06-09📄change-person-director-company-with-change-dateofficers · CH01
- 2024-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-06-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-06-07📄change-person-director-company-with-change-dateofficers · CH01
- 2020-09-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-06-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-06-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2019-10-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-13📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2019-03-08📄capital-alter-shares-subdivisioncapital · SH02
- 2018-11-14🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2018-07-31➖CARROLL, Robert Adamson resigneddirector
- 2011-07-11🏢Company incorporatedAs BORDERS MORTGAGE HUB LTD
- 2011-07-11➕PURDIE, Robin James appointeddirector
- 2011-07-11➕CARROLL, Robert Adamson appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
58/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 15 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Robin James Purdie Individual · British · DOB 06/1977 · age 49 | 50–75% | — | 50-75% shares | 06/04/2016 |
Mrs Amy Purdie Individual · British · DOB 07/1982 · age 44 | 25–50% | — | 25-50% shares | 05/02/2019 |
3 historic (ceased) PSCs
- Mr Robert Adamson Carrollceased 31/07/2018· 25-50% shares
- Mr Robert Adamson Carrollceased 31/07/2018· 25-50% shares
- Mr Robin James Purdieceased 31/07/2018· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Trade services · TD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 3 D CONTRACT SERVICES LIMITED→ 05515820 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ADDISON-ROSS LIMITED→ 06547837 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| AJDJ PROPERTIES LTD→ SC666888 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ARCHON FAMILY INVESTMENTS LIMITED→ 11517020 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BEAUMONT ASSOCIATES (NORTHUMBERLAND) LTD.→ 06300966 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| BLACKBOX BARBERS LIMITED→ 12512636 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| BORDER CARAVAN REPAIRS LIMITED→ 12388513 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| BORDER LAWNS LIMITED→ SC818030 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BORDER SAFEGUARD LIMITED→ SC069992 · est 1979 · no financials extracted | — | — | — | — | 46y | — | — |
| BORDERLINE TATTOO COLLECTIVE LTD→ 09591160 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| BORDERS PODIATRY AND PERFORMANCE CLINIC LTD→ SC571371 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| BORDERS SAFETY SUPPLIES LIMITED→ SC343593 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated2011-07-11
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.
Registered office
37 Bank Street
Galashiels
TD1 1EP
United Kingdom
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-06-18
Last: 2025-06-04
Officers (1 active · 1 resigned)
PURDIE, Robin James→
Activedirector · ~49y · appointed 2011-07-11
View their other companies + combined net worth →
CARROLL, Robert Adamson→
Resigneddirector · ~46y · appointed 2011-07-11 · resigned 2018-07-31
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 2 properties | 14/11/2018 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (57 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-06-09
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-06-09
change-person-director-company-with-change-date
officers · CH01
2025-06-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-05
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-10-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-19
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-27
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-19
confirmation-statement-with-updates
confirmation-statement · CS01
2021-06-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-06-07