MOCKINGBIRD LANE & ASSOCIATES LTD

🏛️Establishedactive
SC595030 · ltd · incorporated 2018-04-23
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£84.7k
book net assets
Opportunity
61/100
Worth a look
🔔
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 61/100 (worth a look), bankability 47/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

9 live charges · 4 lenders · oldest 7.7y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 7.7 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

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
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
26 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
61/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
45
Concerning — overdue filings or status flags present.
Acquirability
55
Some acquirability indicators.
Risk profile
64
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £84,732
High leverage
Liabilities are 100% of total assets
Leverage
100%
Liabilities / Total assets

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£85k
↑ 8.0% YoY
Current Assets
£1.4m
~ YoY
Current Liabilities
—
£0£278k£555k£833k£1.1m£1.4mSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-302023-09-30
Total assets£1.39M£1.39M
Current assets£1.39M£1.39M
Net assets£84.7k£78.4k

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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2025-05-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2025-05-15
    🔒
    Charge registered #9
    Lender: The Mortgage Works (UK) PLC
  3. 2025-03-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-06-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-04-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2024-04-19
    🔒
    Charge registered #8
    Lender: The Mortgage Works (UK) PLC
  7. 2023-07-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-07-25
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2022-07-13
    🔒
    Charge registered #7
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  10. 2022-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-11-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2021-10-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2021-10-18
    🔒
    Charge registered #6
    Lender: Paragon Bank PLC
  14. 2021-10-18
    🔒
    Charge registered #5
    Lender: Paragon Bank PLC
  15. 2021-08-17
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2021-08-17
    🔒
    Charge registered #4
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  17. 2021-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2021-02-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2021-02-19
    🔒
    Charge registered #3
    Lender: The Mortgage Works (UK) PLC
  20. 2021-01-13
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  21. 2021-01-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  22. 2020-01-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2020-01-21
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  24. 2019-06-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  25. 2019-06-03
    🔒
    Charge registered #2
    Lender: The Mortgage Works (UK) PLC
  26. 2018-09-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  27. 2018-09-19
    🔒
    Charge registered #1
    Lender: Charter Court Financial Services Limited
  28. 2018-04-23
    🏢
    Company incorporated
    As MOCKINGBIRD LANE & ASSOCIATES LTD
  29. 2018-04-23
    ➕
    BOWMAN, Hazel Elizabeth appointed
    director
  30. 2018-04-23
    ➕
    BOWMAN, Ritchie Ross appointed
    director

Owner dependency

71/100
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.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 high · 1 low
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-05-06

9 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Hazel Elizabeth Bowman
Individual · Scottish · DOB 06/1987 · age 39
25–50%
25–50%25-50% shares · 25-50% voting24/04/2018
Mr Ritchie Ross Bowman
Individual · British · DOB 04/1984 · age 42
25–50%
25–50%board control25-50% shares · 25-50% voting · board control23/04/2018

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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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

9 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
Incorporated2018-04-23
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

34 Tantallon Gardens
Bellsquarry
Livingston
EH54 9AT
United Kingdom

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-05-06OVERDUE
Last: 2025-04-22

Officers (2 active · 0 resigned)

BOWMAN, Hazel Elizabeth→
director · ~39y · appointed 2018-04-23
View their other companies + combined net worth →
Active
BOWMAN, Ritchie Ross→
director · ~42y · appointed 2018-04-23
View their other companies + combined net worth →
Active

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

Mortgages & charges

9
Total charges
9
Outstanding
3
Active lenders
Status:Lender:9 of 9 shown
TypeProperties
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property15/05/2025—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property19/04/2024—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge3 properties13/07/2022—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property18/10/2021—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property18/10/2021—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge3 properties17/08/2021—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property19/02/2021—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property03/06/2019—
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge2 properties19/09/2018—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (26 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-11
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-30
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-19
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-07-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-28
confirmation-statement-with-updates
confirmation-statement · CS01
2022-05-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-11-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-10-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-08-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-30