THE LONDON MORTGAGE COMPANY LIMITED

🌳Matureactive
SC474874 · ltd · incorporated 2014-04-09
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 closing · high confidence
Getting harder to buy — profile has hardened into "well run hard buy" recently.
  • · Investment thesis: unclassified → well_run_hard_buy
  • · Hygiene score: 65 → 85
  • · Opportunity score: 70 → 79
  • · Bankability: 65 → 75
Opportunity decay
hardening · 6-months
Hardening — profile is tightening. If you want to act, do it before the window closes further.
  • · 3 recent signals strengthening vs 0 weakening
What changed my view
Last 30 days

Picture improved over the last 30 days — 3 positive signals vs 0 negative.

  • ·Investment thesis: unclassified → well_run_hard_buy
  • ↑Opportunity score: 70 → 79
  • ↑Hygiene score: 65 → 85
  • ↑Bankability: 65 → 75
  • ·Distress / opportunity: speculative → avoid
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 Apr 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: high (80/100)

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
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
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£0Apr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30

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
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2026-01-08
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  2. 2025-10-28
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  3. 2025-10-27
    ➖
    STEVENSON, Elizabeth Jane resigned
    director
  4. 2025-10-27
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2025-01-08
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  6. 2023-12-21
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  7. 2022-12-21
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  8. 2022-04-19
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  9. 2022-04-19
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  10. 2022-04-19
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2021-12-22
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  12. 2021-06-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2021-06-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2021-06-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2021-06-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2020-05-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2019-10-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2019-03-21
    ➕
    PIRIE, Anne-Marie appointed
    director
  19. 2019-03-21
    ➕
    STEVENSON, Elizabeth Jane appointed
    director
  20. 2019-03-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  21. 2014-04-09
    🏢
    Company incorporated
    As THE LONDON MORTGAGE COMPANY LIMITED
  22. 2014-04-09
    ➕
    O'NEILL, Michael Francis appointed
    director

Owner dependency

73/100
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.
  • +Founder age: Director aged approximately 65 — succession pressure is live.

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 65. 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 12 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
NameSharesVoting rightsNature of controlNotified
Mrs Anne-Marie Pirie
Individual · British · DOB 05/1961 · age 65
25–50%
25–50%board control25-50% shares · 25-50% voting · board control19/04/2022
Mr Michael Francis O'Neill
Individual · British · DOB 09/1979 · age 47
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
1 historic (ceased) PSC
  • Ms Elizabeth Jane Stevensonceased 27/10/2025· 25-50% shares · 25-50% 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 →

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@SIPP LIMITED→
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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
Incorporated2014-04-09
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

7 Clairmont Gardens
Glasgow
G3 7LW
Scotland

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-04-23
Last: 2026-04-09

Officers (2 active · 1 resigned)

O'NEILL, Michael Francis→
director · ~47y · appointed 2014-04-09
View their other companies + combined net worth →
Active
PIRIE, Anne-Marie→
director · ~65y · appointed 2019-03-21
View their other companies + combined net worth →
Active
STEVENSON, Elizabeth Jane→
director · ~62y · appointed 2019-03-21 · resigned 2025-10-27
Resigned

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

Recent filings (36 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-19
accounts-with-accounts-type-dormant
accounts · AA
2026-01-08
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-10-28
termination-director-company-with-name-termination-date
officers · TM01
2025-10-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-23
accounts-with-accounts-type-dormant
accounts · AA
2025-01-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-22
accounts-with-accounts-type-dormant
accounts · AA
2023-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-20
accounts-with-accounts-type-dormant
accounts · AA
2022-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-04-19
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-04-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-04-19
accounts-with-accounts-type-dormant
accounts · AA
2021-12-22