CK HOME HUB FINANCIAL SERVICES LIMITED
🏛️Establishedactive
SC629293 · ltd · incorporated 2019-05-01
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 Mar 2025
Net worth
£-1.6k
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
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. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: high (80/100)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
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
2 connected companies via shared directors
51
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)Negative net assets
Liabilities exceed assets by £1,592
Net assets shrinking
Down £7,807 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£2k
↓ 126% YoY
Current Assets
£38k
↑ 15% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £37.2k | £67.7k |
| Current assets | £38.4k | £33.5k |
| Net assets | £-1.6k | £6.2k |
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
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2026-03-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-12-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-20📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2023-03-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-12-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-12-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-12-02✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2022-12-01➕MCINTOSH, Craig Matthew appointeddirector
- 2022-12-01📄capital-allotment-sharescapital · SH01
- 2022-10-10📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2021-08-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-10-10📄change-person-director-company-with-change-dateofficers · CH01
- 2019-10-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-09-17📄capital-allotment-sharescapital · SH01
- 2019-05-01🏢Company incorporatedAs CK HOME HUB FINANCIAL SERVICES LIMITED
- 2019-05-01➕MCCARTHY, Kevin appointeddirector
- 2019-05-01📄incorporation-companyincorporation · NEWINC
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Craig Matthew Mcintosh Individual · British · DOB 07/1975 · age 51 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 01/12/2022 |
Mr Kevin Mccarthy Individual · British · DOB 12/1983 · age 43 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 01/05/2019 |
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 |
|---|---|---|---|---|---|---|---|
| CINNAMON GP4 LIMITED→ SC581651 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CITYPOINT WEALTH LIMITED→ SC055597 · est 1974 · no financials extracted | — | — | — | — | 51y | — | — |
| CLYDE BERGEMANN PENSION (TRUSTEES) LIMITED→ SC222231 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| CLYDE BERGEMANN POWER GROUP INTERNATIONAL LIMITED→ SC188877 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| CLYDE BROKERS LIMITED→ SC419422 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| CONTRACT MORTGAGES LTD→ SC465654 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| DC PREMIER WEALTH MANAGEMENT LIMITED→ SC441449 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| DEAN FLEMING CONSULTING LTD→ SC659665 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| DGL (GLASGOW) LTD→ SC338543 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| DGP COMMERCIAL FINANCE LTD→ SC733067 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| DISCOVERY WEALTH LIMITED→ SC634422 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| DJA FINANCIAL LTD→ SC566780 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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
Incorporated2019-05-01
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies
Registered office
2a St. James Avenue
East Kilbride
Glasgow
G74 5QD
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-05-14
Last: 2025-04-30
Officers (2 active · 0 resigned)
MCCARTHY, Kevin→
Activedirector · ~43y · appointed 2019-05-01
View their other companies + combined net worth →
MCINTOSH, Craig Matthew→
Activedirector · ~51y · appointed 2022-12-01
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (25 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-27
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-28
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-23
change-account-reference-date-company-current-shortened
accounts · AA01
2024-05-20
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-13
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-03
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-28
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-12-05
appoint-person-director-company-with-name-date
officers · AP01
2022-12-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-12-05
certificate-change-of-name-company
change-of-name · CERTNM
2022-12-02
capital-allotment-shares
capital · SH01
2022-12-01
change-account-reference-date-company-current-extended
accounts · AA01
2022-10-10