SECURE MORTGAGES AND PROTECTION LTD

🏛️Establishedactive
SC636756 · ltd · incorporated 2019-07-22
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 Jul 2025
Net worth
£-183.3k
book net assets
Opportunity
71/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66220Activities of insurance agents and brokers
  • 96090Other service activities n.e.c.
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 71/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -88% YoY — forensic review of receivables, stock turns, and creditor days. 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, 3 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
7 officers (2 active, 7 linked, 7 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
28 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
50
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 102
Negative net assets
Liabilities exceed assets by £183,275
Cash draining
Cash down 88% YoY
Cash YoY
-88%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£3k
↓ 88% YoY
Net Worth
-£183k
↑ 31% YoY
Current Assets
£384k
↑ 7.2% YoY
Current Liabilities
—
-£267k-£137k-£6k£124k£254k£384kJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-07-312024-07-31
Total assets£363.7k£334.3k
Current assets£384.3k£358.6k
Cash£2.9k£24.9k
Debtors£381.3k£333.7k
Net assets£-183.3k£-266.8k

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

🔒Filing-note intelligence

2 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 accounts
  • • 1 confirmation-statement
Last 180 days
3
filings
  • • 1 accounts
  • • 1 confirmation-statement
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2026-02-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2026-01-14
    ➕
    AVEIRO, Luis Riano appointed
    director
  3. 2026-01-14
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  4. 2025-09-30
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2025-09-29
    ➕
    PATEL, Jyoti Ramji appointed
    director
  6. 2025-09-22
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2025-09-12
    ➖
    TAYLOR, Josh resigned
    director
  8. 2025-04-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2025-04-17
    ➖
    GREEN, James Wallace resigned
    director
  10. 2024-09-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2024-03-19
    ➕
    TAYLOR, Josh appointed
    director
  12. 2024-03-19
    ➖
    THOMSON, William Russell resigned
    director
  13. 2024-03-19
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2024-03-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2024-02-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2023-09-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2022-10-31
    ➕
    GREEN, James Wallace appointed
    director
  18. 2022-10-31
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2022-10-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2022-06-29
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  21. 2022-05-19
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  22. 2022-05-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  23. 2022-05-06
    ➖
    MCGORAN, Mark James resigned
    director
  24. 2022-05-04
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  25. 2022-05-04
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  26. 2022-05-03
    ➕
    THOMSON, William Russell appointed
    director
  27. 2022-05-01
    ➕
    MCGORAN, Mark James appointed
    director
  28. 2022-05-01
    ➖
    THOMSON, William Russell resigned
    director
  29. 2022-03-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  30. 2020-11-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  31. 2019-07-22
    🏢
    Company incorporated
    As SECURE MORTGAGES AND PROTECTION LTD
  32. 2019-07-22
    ➕
    THOMSON, William Russell appointed
    director

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

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

clean
No 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%
NameSharesVoting rightsNature of controlNotified
Mr William Russell Thomson
Individual · Scottish · DOB 06/1954 · age 72
75–100%
75–100%board control75-100% shares · 75-100% voting · board control22/07/2019

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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FULCRUM INSURED EMPLOYEE BENEFITS LIMITED→
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SC299207 · est 2006
——£110.3k—20y8261y
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SC249345 · est 2003 · no financials extracted
————22y8161y
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———90018y8064y
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———10018y8065y
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——£16.8k—17y8059y
GT MORTGAGES LTD.→
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———20020y8067y
DENIS O. BROWN & ASSOCIATES LIMITED→
SC046416 · est 1969 · no financials extracted
————57y——
MACFARLANE GRAY FINANCIAL SERVICES LIMITED→
SC197774 · est 1999 · no financials extracted
————26y——
ROZELLE MORTGAGES LTD→
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————53y——
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
Incorporated2019-07-22
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

C/O Donoghue & Co. Ltd
19a Wellside Place
Falkirk
FK1 5RL
Scotland

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-02-16
Last: 2026-02-02

Officers (2 active · 5 resigned)

AVEIRO, Luis Riano→
director · ~37y · appointed 2026-01-14
View their other companies + combined net worth →
Active
PATEL, Jyoti Ramji→
director · ~42y · appointed 2025-09-29
View their other companies + combined net worth →
Active
GREEN, James Wallace→
director · ~39y · appointed 2022-10-31 · resigned 2025-04-17
Resigned
MCGORAN, Mark James→
director · ~40y · appointed 2022-05-01 · resigned 2022-05-06
Resigned
TAYLOR, Josh→
director · ~37y · appointed 2024-03-19 · resigned 2025-09-12
Resigned
THOMSON, William Russell→
director · ~72y · appointed 2022-05-03 · resigned 2024-03-19
Resigned
THOMSON, William Russell→
director · ~72y · appointed 2019-07-22 · resigned 2022-05-01
Resigned

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

Recent filings (28 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-25
appoint-person-director-company-with-name-date
officers · AP01
2026-01-14
appoint-person-director-company-with-name-date
officers · AP01
2025-09-30
termination-director-company-with-name-termination-date
officers · TM01
2025-09-22
termination-director-company-with-name-termination-date
officers · TM01
2025-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-16
termination-director-company-with-name-termination-date
officers · TM01
2024-03-19
appoint-person-director-company-with-name-date
officers · AP01
2024-03-19
change-person-director-company-with-change-date
officers · CH01
2024-02-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-02
appoint-person-director-company-with-name-date
officers · AP01
2022-10-31