POLLARD PROPERTY AND MORTGAGES LTD

💤Zombieactive

SC707909 · ltd · incorporated 2021-08-27

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 Mar 2025

Net worth

£196.0k

book net assets

Opportunity

71/100

Strong

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What this business does

Primary activity: Activities of mortgage finance companies

Sector: Financial & insurance

ALSO REGISTERED FOR

68310Real estate agencies

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and acceptable with review structure.

Opportunity 71/100 (strong), bankability 70/100. 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 (79/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

1 officers (1 active, 1 linked, 1 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

1 connected companies via shared directors

Filing history

10 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

71/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £196,046

Cash YoY

+44%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£147k

↑ 44% YoY

Net Worth

£196k

↑ 22% YoY

Current Assets

£201k

↑ 33% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Total assets	£202.3k	£166.7k
Current assets	£201.3k	£151.0k
Cash	£147.1k	£101.9k
Debtors	£54.3k	£49.1k
Net assets	£196.0k	£161.1k

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (8 events)Click to expand

2025-12-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-13
📄
change-account-reference-date-company-previous-shortened
accounts · AA01
2021-08-27
🏢
Company incorporated
As POLLARD PROPERTY AND MORTGAGES LTD
2021-08-27
➕
VINES, Mairi appointed
director
2021-08-27
📄
incorporation-company
incorporation · NEWINC

Owner dependency

75/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

+Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

45/100

Moderate signal

Some 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

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%

Name	Shares	Voting rights	Nature of control	Notified
Mrs Mairi Vines Individual · British · DOB 06/1981 · age 45	75–100%	75–100%	75-100% shares · 75-100% voting	27/08/2021

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 · KW postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
EXCALIBUR INVESTMENTS LTD→ SC498043 · est 2015	—	—	£1	—	11y	78	63y
GARY YOUNGSON WEALTH MANAGEMENT LTD→ SC502200 · est 2015	—	—	£14.9k	—	11y	78	63y
RICHARD BAIN LTD→ SC451727 · est 2013	—	—	£8.6k	—	12y	78	71y
BIRKETT CHAMBERS LIMITED→ SC721785 · est 2022	—	—	—	300	4y	76	62y
CAMPBELL & ROSE HOLDINGS LTD→ SC816709 · est 2024	—	—	£35.1k	—	1y	76	62y
ORKNEY INSURANCE BROKERS LTD→ SC760644 · est 2023	—	—	£46.3k	—	3y	71	44y
MODRIS K PROPERTY LTD→ SC783295 · est 2023	—	—	£200	—	2y	70	42y
BRORA FINANCIAL SERVICES LTD.→ SC334344 · est 2007	—	—	£-4.4k	—	18y	65	67y
BAILLIE WIND FARM COMMUNITY BENEFIT FUND→ SC455608 · est 2013	—	—	£-2.3k	—	12y	61	84y
ILEASE LTD→ SC882582 · est 2026 · no financials extracted	—	—	—	—	—	—	—
STEINBERG INVESTMENTS→ SC671157 · est 2020 · no financials extracted	—	—	—	—	5y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

8 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.

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Company details

Statusactive

Typeltd

Incorporated2021-08-27

Jurisdictionscotland

Primary SIC64922 — Activities of mortgage finance companies

Registered office

2 Princes Street

Thurso

Caithness

KW14 7BQ

Scotland

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-09-09

Last: 2025-08-26

Officers (1 active · 0 resigned)

VINES, Mairi→

director · ~45y · appointed 2021-08-27

View their other companies + combined net worth →

Active

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

Recent filings (10 total)

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-12-10

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-08-26

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-11-30

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-09-04

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-11-16

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-09-04

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-12-08

confirmation-statement-with-updates

confirmation-statement · CS01

2022-09-23

change-account-reference-date-company-previous-shortened

accounts · AA01

2022-04-13

incorporation-company

incorporation · NEWINC

2021-08-27