CONTRACT MORTGAGES LTD
🌳Matureactive
SC465654 · ltd · incorporated 2013-12-11
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 Dec 2024
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 70/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
7 officers (4 active, 7 linked, 7 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
16 connected companies via shared directors
90
Filing history
54 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
90
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 · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|
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
2
filings
- • 2 officers
Last 180 days
3
filings
- • 2 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2026-03-24📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-24📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-21➕PRAKASH, Mayank appointeddirector
- 2025-10-21➖EMBLEY, Simon David resigneddirector
- 2025-10-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-22📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-05-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-05-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-05-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-04-30➕MUMFORD, Daniel Richard appointeddirector
- 2025-04-30➕SMITH, Adam James appointeddirector
- 2025-04-30➖HUNTER, Gordon Murray resigneddirector
- 2024-09-18📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-04-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-03-20➕GIBSON, Jeremy Paul appointeddirector
- 2023-09-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-10📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2022-01-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-12-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-12-08➕EMBLEY, Simon David appointeddirector
- 2021-12-08➖KENNEDY, Donald Scott resigneddirector
- 2021-09-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2021-09-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-06-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2015-05-15➕HUNTER, Gordon Murray appointeddirector
- 2013-12-11🏢Company incorporatedAs CONTRACT MORTGAGES LTD
- 2013-12-11➕KENNEDY, Donald Scott appointeddirector
Owner dependency
40/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
1 med ·2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: EMBLEY, Simon David resigned 2025-10-21; HUNTER, Gordon Murray resigned 2025-04-30
Group structure
Lifetime Finance Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Lifetime Finance Group Limited
Corporate parent · holds 75-100% shares
⬇
CONTRACT MORTGAGES LTD
This company · SC465654
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Lifetime Finance Group Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 16/04/2018 |
1 historic (ceased) PSC
- Mr Donald Scott Kennedyceased 16/04/2018· 75-100% shares · 75-100% voting · board control
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 · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CINNAMON GP4 LIMITED→ SC581651 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CLYDE BERGEMANN POWER GROUP INTERNATIONAL LIMITED→ SC188877 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| DGL (GLASGOW) LTD→ SC338543 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| ELIO MACLEAN LIMITED→ SC781112 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ENVOY RS LTD→ SC817881 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ESR EUROPE LSPIM DEVCO LIMITED→ SC769999 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| EURO CREDIT & CAPITAL LTD→ SC858018 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EVALEE INSURANCE BROKERS LTD→ SC571109 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| EVAN DUNN FINANCIAL SERVICES LTD→ SC717487 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| EVANS MORTGAGE SOLUTIONS LIMITED→ SC678336 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| EVERNEST PROPERTIES LIMITED→ SC864964 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EVOLVE TRADING INVESTMENTS LTD→ SC688703 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated2013-12-11
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies
Registered office
95 West Regent Street
Glasgow
G2 2BA
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-25
Last: 2025-12-11
Officers (4 active · 3 resigned)
GIBSON, Jeremy Paul→
Activedirector · ~53y · appointed 2024-03-20
View their other companies + combined net worth →
MUMFORD, Daniel Richard→
Activedirector · ~48y · appointed 2025-04-30
View their other companies + combined net worth →
PRAKASH, Mayank→
Activedirector · ~53y · appointed 2025-10-21
View their other companies + combined net worth →
SMITH, Adam James→
Activedirector · ~46y · appointed 2025-04-30
View their other companies + combined net worth →
EMBLEY, Simon David→
Resigneddirector · ~66y · appointed 2021-12-08 · resigned 2025-10-21
HUNTER, Gordon Murray→
Resigneddirector · ~55y · appointed 2015-05-15 · resigned 2025-04-30
KENNEDY, Donald Scott→
Resigneddirector · ~55y · appointed 2013-12-11 · resigned 2021-12-08
Click a director name to see their full track record across all companies.
Recent filings (54 total)
change-person-director-company-with-change-date
officers · CH01
2026-03-24
change-person-director-company-with-change-date
officers · CH01
2026-03-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-12
appoint-person-director-company-with-name-date
officers · AP01
2025-10-21
termination-director-company-with-name-termination-date
officers · TM01
2025-10-21
accounts-with-accounts-type-dormant
accounts · AA
2025-09-22
appoint-person-director-company-with-name-date
officers · AP01
2025-05-06
appoint-person-director-company-with-name-date
officers · AP01
2025-05-06
termination-director-company-with-name-termination-date
officers · TM01
2025-05-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-11
accounts-with-accounts-type-dormant
accounts · AA
2024-09-18
appoint-person-director-company-with-name-date
officers · AP01
2024-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-19