THORNE INVESTMENTS LTD
🌳Matureactive
SC527615 · ltd · incorporated 2016-02-23
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
PursueActive trading company with a 75-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 75). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 1.6y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 1.6 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (82/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
35 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
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 · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 0 | 0 |
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
2
filings
- • 1 confirmation-statement
- • 1 persons-with-significant-control
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-02-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-30📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-10🔒Charge registered #1Lender: Merchant Homes Partnerships Limited (In Liquidation)
- 2024-04-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-04-22📄change-person-director-company-with-change-dateofficers · CH01
- 2022-04-22📄change-person-director-company-with-change-dateofficers · CH01
- 2022-04-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-04-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-03-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-09-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-09-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-09-01➕BURNETT, Nicola Mary appointeddirector
- 2019-09-01➕HAWTHORNE, Lesley appointeddirector
- 2019-08-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-07-01➕HAWTHORNE, Duncan appointeddirector
- 2016-02-23🏢Company incorporatedAs THORNE INVESTMENTS LTD
- 2016-02-23➕HAWTHORNE, William Scott appointeddirector
Owner dependency
63/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 75 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
65/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
- 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Duncan Hawthorne Individual · British · DOB 05/1955 · age 71 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 02/08/2016 |
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 |
|---|---|---|---|---|---|---|---|
| TDS (E&W) LIMITED→ SC530749 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| THE ER NETWORK LIMITED→ SC292243 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| THE LONDON MORTGAGE COMPANY LIMITED→ SC474874 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| THE MORTGAGE ADVICE SERVICE (SCOTLAND) LTD→ SC600894 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| THE PSYCHOLOGY EXPERT WITNESS GROUP LTD→ SC865511 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| THOMSON MCCALLUM LIMITED→ SC382004 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| TMW (COMMERCIAL) LIMITED→ SC781785 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| TOMINEY PROFESSIONAL LIMITED→ SC379379 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| TOPMARK ADJUSTERS LIMITED→ SC227097 · est 2002 · no financials extracted | — | — | — | — | 24y | — | — |
| TOSCAFUND GP (7) LIMITED→ SC482854 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| TR PROPERTIES (EAST) LIMITED→ SC695184 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| TR PROPERTIES WEST (HOLDINGS) LIMITED→ SC765678 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2016-02-23
Jurisdictionscotland
Primary SIC64929 — Other credit granting n.e.c.
Registered office
The Gables Netherplace Road
Newton Mearns
Glasgow
G77 6PP
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-08
Last: 2026-02-22
Officers (4 active · 0 resigned)
BURNETT, Nicola Mary→
Activedirector · ~45y · appointed 2019-09-01
View their other companies + combined net worth →
HAWTHORNE, Duncan→
Activedirector · ~71y · appointed 2016-07-01
View their other companies + combined net worth →
HAWTHORNE, Lesley→
Activedirector · ~60y · appointed 2019-09-01
View their other companies + combined net worth →
HAWTHORNE, William Scott→
Activedirector · ~75y · appointed 2016-02-23
View their other companies + combined net worth →
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 | Merchant Homes Partnerships (In Liquidation) Merchant Homes Partnerships Limited (In Liquidation) | A registered charge | 1 property | 10/09/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (35 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-24
change-person-director-company-with-change-date
officers · CH01
2025-10-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-04-22
change-person-director-company-with-change-date
officers · CH01
2022-04-22
change-person-director-company-with-change-date
officers · CH01
2022-04-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-04-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-11