ONE STOP MORTGAGE SHOP LIMITED
💤Zombieactive
SC508024 · ltd · incorporated 2015-06-10
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 Jun 2025
Net worth
£5.3k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 78/100 (strong), bankability 75/100. 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 (73/100).
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
Confirmed no charges registered
85
Directors & officers
3 officers (1 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
29 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £5,332
Net assets shrinking
Down £318 YoY
Cash YoY
-21%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£19k
↓ 21% YoY
Net Worth
£5k
↓ 5.6% YoY
Current Assets
£19k
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £5.3k | £5.7k |
| Current assets | £18.9k | — |
| Cash | £18.9k | £23.8k |
| Net assets | £5.3k | £5.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 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 (22 events)Click to expand
- 2025-07-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2019-08-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2018-10-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-06-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-06-03➖COATS, James resigneddirector
- 2018-06-03➖COATS, Shona resigneddirector
- 2018-04-13➕MILLAR, Alexander Cameron appointeddirector
- 2018-04-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2017-10-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-09-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2017-07-03📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2017-06-01➕COATS, Shona appointeddirector
- 2015-06-10🏢Company incorporatedAs ONE STOP MORTGAGE SHOP LIMITED
- 2015-06-10➕COATS, James appointeddirector
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
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
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alexander Cameron Millar Individual · British · DOB 11/1968 · age 58 | — | — | sig. influencesignificant influence | 12/08/2019 |
1 historic (ceased) PSC
- Mr James Coatsceased 12/08/2019· significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CALEDONIA CAPITAL LIMITED→ SC719417 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| DUCKETT FAMILY INVESTMENTS LIMITED→ SC838585 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| GB FINANCIAL SERVICES LIMITED→ SC554846 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| GERUT PROPERTIES LTD→ SC786668 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| H.B. MORTGAGE SOLUTIONS LTD.→ SC304331 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| MV FINANCE LTD→ SC552652 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| NANCI CREEDON HOLDINGS LTD→ SC829800 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ORCHARD FINANCIAL PLANNERS LIMITED→ SC393200 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| PMI PROTECT LTD→ SC559496 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| R C MCLEISH INSURANCE CONSULTANTS LTD→ SC245900 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| RISING LIGHT HOLDINGS LTD→ SC863625 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| RJW MORTGAGES LIMITED→ SC773237 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2015-06-10
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies
Registered office
4 D Auchingramont Road
Hamilton
ML3 6JT
Scotland
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-06-24
Last: 2025-06-10
Officers (1 active · 2 resigned)
MILLAR, Alexander Cameron→
Activedirector · ~58y · appointed 2018-04-13
View their other companies + combined net worth →
COATS, James→
Resigneddirector · ~66y · appointed 2015-06-10 · resigned 2018-06-03
COATS, Shona→
Resigneddirector · ~63y · appointed 2017-06-01 · resigned 2018-06-03
Click a director name to see their full track record across all companies.
Recent filings (29 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-08-22
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2019-08-12
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2019-08-12