HOME LOAN SERVICES (GLASGOW) LIMITED

🏛️Establishedactive
SC568075 · ltd · incorporated 2017-06-06
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 Jun 2025
Net worth
£276.8k
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 77/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: high (83/100)

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
6 officers (2 active, 6 linked, 6 with DOB)
90
Ownership & PSC
1 active PSC(s) of 7 total, 7 with control declared
90
Director network
13 connected companies via shared directors
84
Filing history
53 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
75
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 declared
Positive net assets
Net assets £276,816
Cash YoY
+651%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£124k
↑ 651% YoY
Net Worth
£277k
↑ 180% YoY
Current Assets
£626k
↑ 19% YoY
Current Liabilities
—
£0£125k£251k£376k£501k£626kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-06-302024-06-30
Total assets£277.4k£108.9k
Current assets£626.4k£525.3k
Cash£123.7k£16.5k
Debtors£502.7k£508.8k
Net assets£276.8k£98.9k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal 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
2
filings
  • • 1 incorporation
  • • 1 resolution
Last 90 days
8
filings
  • • 3 persons-with-significant-control
  • • 2 officers
  • • 1 incorporation
Last 180 days
9
filings
  • • 4 persons-with-significant-control
  • • 2 officers
  • • 1 incorporation
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
  1. 2026-04-21
    📄
    memorandum-articles
    incorporation · MA
  2. 2026-04-21
    📄
    resolution
    resolution · RESOLUTIONS
  3. 2026-04-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  4. 2026-04-09
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2026-04-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2026-04-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  7. 2026-04-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  8. 2026-03-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2026-03-26
    ➕
    MCGRAIL, Ian Robert appointed
    director
  10. 2026-03-26
    ➖
    HENDERSON, Paul resigned
    director
  11. 2026-01-30
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2025-06-12
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  13. 2025-02-27
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2025-02-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2025-02-27
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  16. 2025-02-26
    ➖
    POLLARD, Derek resigned
    director
  17. 2025-02-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2025-02-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2025-02-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  20. 2025-02-03
    📄
    capital-cancellation-shares
    capital · SH06
  21. 2025-02-03
    📄
    capital-return-purchase-own-shares
    capital · SH03
  22. 2024-06-18
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  23. 2024-02-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2023-08-09
    ➖
    HANTON, Christopher Neil resigned
    director
  25. 2023-06-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  26. 2023-03-23
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  27. 2022-08-11
    ➖
    KELLY, Steven James resigned
    director
  28. 2017-06-08
    ➕
    HANTON, Christopher Neil appointed
    director
  29. 2017-06-08
    ➕
    HENDERSON, Paul appointed
    director
  30. 2017-06-08
    ➕
    KELLY, Steven James appointed
    director
  31. 2017-06-08
    ➕
    POLLARD, Derek appointed
    director
  32. 2017-06-06
    🏢
    Company incorporated
    As HOME LOAN SERVICES (GLASGOW) LIMITED
  33. 2017-06-06
    ➕
    MCGEOUGH, Henry Lindsay appointed
    director

Owner dependency

66/100
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.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

First Mortgage Direct Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
First Mortgage Direct Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
HOME LOAN SERVICES (GLASGOW) LIMITED
This company · SC568075

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%
NameSharesVoting rightsNature of controlNotified
First Mortgage Direct Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control26/03/2026
6 historic (ceased) PSCs
  • Mr Paul Hendersonceased 26/03/2026· 25-50% shares · 25-50% voting
  • Mr Derek Pollardceased 26/02/2025· significant influence
  • Mr Christopher Hantonceased 09/08/2023· significant influence
  • Mr Steven James Kellyceased 11/08/2022· significant influence
  • Mr Henry Lindsay Mcgeoughceased 26/03/2026· 50-75% shares · 50-75% voting · board control
  • Home Loan Services Limitedceased 06/04/2018· 75-100% shares

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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————12y——
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
Incorporated2017-06-06
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Suite 9, Buchanan Tower Buchanan Business Park, Cumbernauld Road
Stepps
Glasgow
G33 6HZ
United Kingdom

Filing status

Accounts
Next due: 2027-03-29
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-06-19
Last: 2025-06-05

Officers (2 active · 4 resigned)

MCGEOUGH, Henry Lindsay→
director · ~59y · appointed 2017-06-06
View their other companies + combined net worth →
Active
MCGRAIL, Ian Robert→
director · ~47y · appointed 2026-03-26
View their other companies + combined net worth →
Active
HANTON, Christopher Neil→
director · ~44y · appointed 2017-06-08 · resigned 2023-08-09
Resigned
HENDERSON, Paul→
director · ~43y · appointed 2017-06-08 · resigned 2026-03-26
Resigned
KELLY, Steven James→
director · ~53y · appointed 2017-06-08 · resigned 2022-08-11
Resigned
POLLARD, Derek→
director · ~57y · appointed 2017-06-08 · resigned 2025-02-26
Resigned

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

Recent filings (53 total)

memorandum-articles
incorporation · MA
2026-04-21
resolution
resolution · RESOLUTIONS
2026-04-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-04-09
termination-director-company-with-name-termination-date
officers · TM01
2026-04-09
appoint-person-director-company-with-name-date
officers · AP01
2026-04-09
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-04-09
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-04-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-30
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-12
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-06-12
termination-director-company-with-name-termination-date
officers · TM01
2025-02-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-27
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-02-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-25