SOUTH OF SCOTLAND MORTGAGE SERVICES LIMITED
💤Zombieactive
SC645262 · ltd · incorporated 2019-10-24
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 Oct 2025
Net worth
—
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
ALSO REGISTERED FOR
- 66220Activities of insurance agents and brokers
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 71/100 (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, 2 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
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
2 active PSC(s) of 5 total, 5 with control declared
90
Director network
Network not yet resolved
30
Filing history
23 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-10-31 | 2024-10-31 |
|---|---|---|
| Average employees | 11 | 1000 |
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
4
filings
- • 2 persons-with-significant-control
- • 1 confirmation-statement
- • 1 accounts
Last 90 days
4
filings
- • 2 persons-with-significant-control
- • 1 confirmation-statement
- • 1 accounts
Last 180 days
4
filings
- • 2 persons-with-significant-control
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
- 2026-04-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-04-29📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-04-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-11-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-11-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-06-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-23✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2022-10-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-07-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-24🏢Company incorporatedAs SOUTH OF SCOTLAND MORTGAGE SERVICES LIMITED
- 2019-10-24➕MURIE, Gregg appointeddirector
- 2019-10-24📄incorporation-companyincorporation · NEWINC
Owner dependency
80/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Lyndsey Murie Individual · British · DOB 03/1991 · age 35 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 05/11/2024 |
Mr Gregg Murie Individual · Scottish · DOB 04/1979 · age 47 | 25–50% | — | board control25-50% shares · board control | 05/05/2025 |
3 historic (ceased) PSCs
- Mrs Lyndsey Murieceased 29/04/2026· 50-75% shares
- Mr Gregg Murieceased 05/11/2024· 75-100% shares · 75-100% voting · board control
- Ms Lynsay Thomasceased 05/10/2022· 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 · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| PLAN IT AND PROSPER LTD→ SC866683 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| RBS COLLECTIVE INVESTMENT FUNDS LIMITED→ SC046694 · est 1969 · no financials extracted | — | — | — | — | 56y | — | — |
| RENTON WEALTH MANAGEMENT LTD→ SC666842 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| SCOTSURE MBI LIMITED→ SC352229 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| SCOTTISH FUTURES TRUST INVESTMENTS LIMITED→ SC381388 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| SCOTTISH WIDOWS' FUND AND LIFE ASSURANCE SOCIETY→ SZ000002 · est 1983 · no financials extracted | — | — | — | — | 43y | — | — |
| SEEDCAMP VI (SCOT) LIMITED→ SC744406 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| SEVEN HILLS FINANCIAL PLANNING LTD→ SC723633 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| SHUTTERFLY INVESTMENTS LIMITED→ SC734733 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| SIS VENTURES LIMITED→ SC576272 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| SLIF PROPERTY INVESTMENT GP LIMITED→ SC388872 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| SOUTHSIDE COMMERCIAL PROPERTY LTD→ SC553484 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2019-10-24
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies
Registered office
31 High Street
Dalkeith
EH22 1JB
Scotland
Filing status
Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2027-05-15
Last: 2026-05-01
Officers (1 active · 0 resigned)
MURIE, Gregg→
Activedirector · ~47y · appointed 2019-10-24
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (23 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-01
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-04-29
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-17
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-05
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-05-05
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-11-05
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-05
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-11-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-23
certificate-change-of-name-company
change-of-name · CERTNM
2023-02-23