THE MORTGAGE ADVICE SERVICE (SCOTLAND) LTD
💤Zombieactive
SC600894 · ltd · incorporated 2018-06-25
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
£132
book net assets
Opportunity
72/100
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 72/100 (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: strategic trade sale (65/100).
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 4 total, 4 with control declared
90
Director network
Network not yet resolved
30
Filing history
25 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £132
Net assets shrinking
Down £4,595 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£132
↓ 97% YoY
Current Assets
£29k
↑ 105% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £132 | £4.7k |
| Current assets | £29.1k | £14.2k |
| Net assets | £132 | £4.7k |
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
7
filings
- • 3 capital
- • 2 persons-with-significant-control
- • 1 confirmation-statement
Last 180 days
8
filings
- • 3 capital
- • 2 persons-with-significant-control
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2026-03-23📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-03-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-03-20📄capital-allotment-sharescapital · SH01
- 2026-03-20📄capital-allotment-sharescapital · SH01
- 2026-03-20📄capital-allotment-sharescapital · SH01
- 2026-03-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-11-30➖POLLOCK, Peter resigneddirector
- 2025-09-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-12-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-12➖DALY, Jayne Alice resigneddirector
- 2024-02-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-02-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-01-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-10-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-02-04📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-06-25🏢Company incorporatedAs THE MORTGAGE ADVICE SERVICE (SCOTLAND) LTD
- 2018-06-25➕POLLOCK, Barry appointeddirector
- 2018-06-25➕DALY, Jayne Alice appointeddirector
- 2018-06-25➕POLLOCK, Peter appointeddirector
- 2018-06-25📄incorporation-companyincorporation · NEWINC
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- 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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Barry Pollock Individual · British · DOB 01/1981 · age 45 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/07/2025 |
3 historic (ceased) PSCs
- Mr Peter Pollockceased 01/07/2025· 50-75% shares · 50-75% voting · board control
- Mr Barry Pollockceased 30/06/2019· 25-50% shares · 25-50% voting
- Jayne Alice Dalyceased 30/06/2019· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| @SIPP LIMITED→ SC217126 · est 2001 | £37.09M £26.97M–£47.20M | £10.21M | — | 6200 | 25y | 85 | 62y |
| COMMONWEALTH GAMES (SCOTLAND) ENDOWMENT FUND→ SC301214 · est 2006 | £22.3k £16.2k–£28.3k | — | — | 0 | 20y | 83 | 66y |
| BLAIRSTON ENTERPRISES LIMITED→ SC368750 · est 2009 | — | — | £2.38M | — | 16y | 83 | 72y |
| CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED→ SC200273 · est 1999 · no financials extracted | — | — | — | — | 26y | 83 | 59y |
| FEMALE INDEPENDENT LTD.→ SC245607 · est 2003 | — | — | £20.0k | — | 23y | 83 | 66y |
| THE LONDON MORTGAGE COMPANY LIMITED→ SC474874 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| TMW (COMMERCIAL) LIMITED→ SC781785 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| TOMINEY PROFESSIONAL LIMITED→ SC379379 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| VAM COMMUNICATIONS LIMITED→ SC757541 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| WHA MORTGAGE SERVICES LTD→ SC725550 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| WHEATLEY FUNDING NO. 2 LIMITED→ SC470001 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| WIK DIAGNOSTICS LTD→ SC807772 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2018-06-25
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies
Registered office
3 Bute Crescent
Bearsden
Glasgow
G61 1BS
Scotland
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-03-14
Last: 2026-02-28
Officers (1 active · 2 resigned)
POLLOCK, Barry→
Activedirector · ~45y · appointed 2018-06-25
View their other companies + combined net worth →
DALY, Jayne Alice→
Resigneddirector · ~37y · appointed 2018-06-25 · resigned 2024-11-12
POLLOCK, Peter→
Resigneddirector · ~73y · appointed 2018-06-25 · resigned 2025-11-30
Click a director name to see their full track record across all companies.
Recent filings (25 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-25
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-03-23
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-20
capital-allotment-shares
capital · SH01
2026-03-20
capital-allotment-shares
capital · SH01
2026-03-20
capital-allotment-shares
capital · SH01
2026-03-20
termination-director-company-with-name-termination-date
officers · TM01
2026-03-20
accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-30
termination-director-company-with-name-termination-date
officers · TM01
2025-09-29
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-04
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-02-19
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-02-19
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-10