MORTGAGE ADVICE PARTNERSHIP LTD.

💤Zombieactive
SC309712 · ltd · incorporated 2006-10-05
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 2024
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 68). 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: share sale to pe / searcher (73/100).

Data confidence

Overall: high (81/100)

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
9 officers (1 active, 9 linked, 5 with DOB)
81
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
67 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Oct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-10-312023-10-31
Average employees100100

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
1
filing
  • • 1 confirmation-statement
Last 180 days
3
filings
  • • 1 confirmation-statement
  • • 1 persons-with-significant-control
  • • 1 address
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
  1. 2026-01-16
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  2. 2025-12-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-07-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-08-05
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2024-08-01
    ➖
    BURGESS, Colin resigned
    director
  6. 2024-07-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-07-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-05-11
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  9. 2022-07-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-12-22
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2021-12-21
    ➕
    BURGESS, Colin appointed
    director
  12. 2021-11-11
    ➖
    PEARSON, Robert Russell resigned
    director
  13. 2021-11-11
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2021-07-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-03-12
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2020-07-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2020-01-27
    📄
    capital-allotment-shares
    capital · SH01
  18. 2019-12-01
    ➕
    PEARSON, Robert Russell appointed
    director
  19. 2019-07-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2018-07-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2012-09-30
    ➖
    MACKEY, Trevor resigned
    director
  22. 2009-08-14
    ➖
    DUNN, Gerry resigned
    secretary
  23. 2009-08-14
    ➖
    DUNN, Gerry resigned
    director
  24. 2007-03-01
    ➕
    DUNN, Gerry appointed
    director
  25. 2007-03-01
    ➕
    MACKEY, Trevor appointed
    director
  26. 2006-10-05
    🏢
    Company incorporated
    As MORTGAGE ADVICE PARTNERSHIP LTD.
  27. 2006-10-05
    ➕
    PATERSON, Donald George appointed
    director
  28. 2006-10-05
    ➕
    DUNN, Gerry appointed
    secretary
  29. 2006-10-05
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-secretary
  30. 2006-10-05
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-secretary
  31. 2006-10-05
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-director
  32. 2006-10-05
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-director
  33. 2006-10-05
    ➕
    PETER TRAINER CORPORATE SERVICES LTD. appointed
    corporate-nominee-director
  34. 2006-10-05
    ➖
    PETER TRAINER CORPORATE SERVICES LTD. resigned
    corporate-nominee-director

Owner dependency

100/100
Critical — business is the founder

The 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.
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

88/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 20 years.
  • secondaryStable-but-static management: Company is 20 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Donald George Paterson
Individual · British · DOB 11/1958 · age 68
——sig. influencesignificant influence05/10/2016
1 historic (ceased) PSC
  • Mr Robert Russell Pearsonceased 07/01/2026· 25-50% shares

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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JFX TRADING NETWORK LTD→
SC847676 · est 2025 · no financials extracted
———————
JMC FINANCIAL SERVICES LIMITED→
SC245180 · est 2003 · no financials extracted
————23y——
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SC801508 · est 2024 · no financials extracted
————2y——
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SC185579 · est 1998 · no financials extracted
————27y——
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————2y——
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————8y——
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————21y——
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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2006-10-05
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies

Registered office

34 Fullarton Crescent
Troon
KA10 6LL
Scotland

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2027-04-02
Last: 2026-03-19

Officers (1 active · 8 resigned)

PATERSON, Donald George→
director · ~68y · appointed 2006-10-05
View their other companies + combined net worth →
Active
DUNN, Gerry→
secretary · appointed 2006-10-05 · resigned 2009-08-14
Resigned
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-secretary · appointed 2006-10-05 · resigned 2006-10-05
Resigned
BURGESS, Colin→
director · ~54y · appointed 2021-12-21 · resigned 2024-08-01
Resigned
DUNN, Gerry→
director · ~72y · appointed 2007-03-01 · resigned 2009-08-14
Resigned
MACKEY, Trevor→
director · ~61y · appointed 2007-03-01 · resigned 2012-09-30
Resigned
PEARSON, Robert Russell→
director · ~41y · appointed 2019-12-01 · resigned 2021-11-11
Resigned
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-director · appointed 2006-10-05 · resigned 2006-10-05
Resigned
PETER TRAINER CORPORATE SERVICES LTD.→
corporate-nominee-director · appointed 2006-10-05 · resigned 2006-10-05
Resigned

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

Recent filings (67 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-19
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-01-16
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-12-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-17
termination-director-company-with-name-termination-date
officers · TM01
2024-08-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-11
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-05-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-01
appoint-person-director-company-with-name-date
officers · AP01
2021-12-22
termination-director-company-with-name-termination-date
officers · TM01
2021-11-11