MORTGAGE HELP SCOTLAND LTD

🌳Matureactive
SC308427 · ltd · incorporated 2006-09-12
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£15.0k
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 62-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 62). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

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
5 officers (2 active, 5 linked, 3 with DOB)
82
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
51 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £14,970

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£15k
↑ 4729% YoY
Current Assets
£25k
↑ 354% YoY
Current Liabilities
—
£0£5k£10k£15k£20k£25kSept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30
Total assets£15.0k£310
Current assets£25.1k£5.5k
Net assets£15.0k£310

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

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-03-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-11-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-04-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2025-01-24
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2024-09-19
    ➕
    CURTIS, Martyn Ramsay appointed
    director
  6. 2024-09-19
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2024-09-19
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  8. 2024-09-19
    📄
    capital-allotment-shares
    capital · SH01
  9. 2024-09-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2024-05-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2023-06-20
    ➖
    MURRAY, Craig John resigned
    director
  12. 2023-06-20
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2023-05-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2022-05-27
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2022-05-26
    ➕
    MURRAY, Craig John appointed
    director
  16. 2022-01-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2021-05-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2020-01-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2019-02-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2018-01-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  21. 2010-09-01
    ➖
    CONNELL, Donna resigned
    secretary
  22. 2006-09-12
    🏢
    Company incorporated
    As MORTGAGE HELP SCOTLAND LTD
  23. 2006-09-12
    ➕
    MCAVOY, Stephen appointed
    director
  24. 2006-09-12
    ➕
    CONNELL, Donna appointed
    secretary
  25. 2006-09-12
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  26. 2006-09-12
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary

Owner dependency

76/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.

Succession & seller-readiness

59/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 20 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Martyn Ramsay Curtis
Individual · British · DOB 08/1987 · age 39
25–50%
25–50%25-50% shares · 25-50% voting19/09/2024
Mr Stephen Mcavoy
Individual · British · DOB 09/1964 · age 62
25–50%
25–50%board control25-50% shares · 25-50% voting · board control01/08/2016

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 →

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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
Incorporated2006-09-12
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Dalgety Bay Business Centre Ridge Way
Hillend
Dunfermline
KY11 9JN
Scotland

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-09-26
Last: 2025-09-12

Officers (2 active · 3 resigned)

CURTIS, Martyn Ramsay→
director · ~39y · appointed 2024-09-19
View their other companies + combined net worth →
Active
MCAVOY, Stephen→
director · ~62y · appointed 2006-09-12
View their other companies + combined net worth →
Active
CONNELL, Donna→
secretary · appointed 2006-09-12 · resigned 2010-09-01
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2006-09-12 · resigned 2006-09-12
Resigned
MURRAY, Craig John→
director · ~51y · appointed 2022-05-26 · resigned 2023-06-20
Resigned

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

Recent filings (51 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-21
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-18
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-01-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-09-19
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-09-19
capital-allotment-shares
capital · SH01
2024-09-19
appoint-person-director-company-with-name-date
officers · AP01
2024-09-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-13
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-15
termination-director-company-with-name-termination-date
officers · TM01
2023-06-20
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-12