CARA MORTGAGE SERVICES LTD
🌳Matureactive
SC312023 · ltd · incorporated 2006-11-16
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 Dec 2024
Net worth
£-364.8k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
2 live charges · oldest 6.4y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
9 officers (2 active, 9 linked, 8 with DOB)
88
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
86 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Negative net assets
Liabilities exceed assets by £364,846
Cash YoY
-19%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£291k
↓ 19% YoY
Net Worth
-£365k
↑ 14% YoY
Current Assets
£472k
↑ 20% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £273.3k | £202.8k |
| Current assets | £471.8k | £391.5k |
| Cash | £291.2k | £361.6k |
| Debtors | £180.6k | £30.0k |
| Net assets | £-364.8k | £-423.0k |
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
0
filings
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (40 events)Click to expand
- 2025-11-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-06-01➕MACMILLAN, Stuart appointeddirector
- 2025-01-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-04📄gazette-filings-brought-up-to-dategazette · DISS40
- 2024-12-03📄gazette-notice-compulsorygazette · GAZ1
- 2024-10-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-10-01📄second-filing-of-director-appointment-with-nameofficers · RP04AP01
- 2024-08-02📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-22➖THOMSON, Ian Neilson resigneddirector
- 2024-02-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-01-03📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-01-01➖PURPLE VENTURE SECRETARIES LIMITED resignedcorporate-secretary
- 2023-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-03-26➖MAIR, Shona Morag resigneddirector
- 2023-03-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-02-23📄memorandum-articlesincorporation · MA
- 2023-02-23📄resolutionresolution · RESOLUTIONS
- 2023-02-23📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2023-02-09➕MAIR, Shona Morag appointeddirector
- 2023-02-08➖MAIR, Shona Morag resigneddirector
- 2023-02-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-12-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-12-12➕MAIR, Shona Morag appointeddirector
- 2022-12-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-12-09➖MAIR, Shona resigneddirector
- 2022-11-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-02➕MAIR, Shona appointeddirector
- 2019-11-29➖FULCO, Darren Andrew resigneddirector
- 2019-11-29🔒Charge registered #2Lender: Carrington Holding Company, Llc
- 2019-11-29🔒Charge registered #1Lender: Carrington Holding Company, Llc
- 2016-04-26➕MAIR, Stuart Russell appointeddirector
- 2016-04-26➖ALLSOP, Stewart Kerr resigneddirector
- 2014-02-28➕FULCO, Darren Andrew appointeddirector
- 2007-03-15➕THOMSON, Ian Neilson appointeddirector
- 2006-11-16🏢Company incorporatedAs CARA MORTGAGE SERVICES LTD
- 2006-11-16➕PURPLE VENTURE SECRETARIES LIMITED appointedcorporate-secretary
- 2006-11-16➕ALLSOP, Stewart Kerr appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome 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 signalLimited 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
cleanNo 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 |
|---|---|---|---|---|
Mr Stuart Russell Mair Individual · British · DOB 07/1971 · age 55 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 29/11/2019 |
1 historic (ceased) PSC
- Mr Bruce Roseceased 28/11/2019· 75-100% shares · 75-100% voting · board control
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 · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| JFX TRADING NETWORK LTD→ SC847676 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JMC FINANCIAL SERVICES LIMITED→ SC245180 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| MONARCHIA (AESTHETICS AND SAFETY) CONSULTANCY LTD→ SC801508 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| NEWARD WEALTH MANAGEMENT LTD→ SC575440 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| NEWARK WEALTH LTD→ SC557559 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| NICHOLSON WEALTH LIMITED→ SC835235 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ONE INGRAM FINANCE LTD→ SC555330 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| PALADIN FINANCIAL SERVICES LIMITED→ SC187673 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| PARK PENSION RECOVERY SERVICE LTD→ SC630142 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| PELICAN FINANCE LIMITED→ SC521621 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| PETERKIN MORTGAGE SOLUTIONS LTD→ SC825765 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| POPULAR PROTECT LIMITED→ SC882168 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2006-11-16
Jurisdictionscotland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
58 Portland Street
Kilmarnock
KA1 1JG
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-30
Last: 2025-11-16
Officers (2 active · 7 resigned)
MACMILLAN, Stuart→
Activedirector · ~40y · appointed 2025-06-01
View their other companies + combined net worth →
MAIR, Stuart Russell→
Activedirector · ~55y · appointed 2016-04-26
View their other companies + combined net worth →
PURPLE VENTURE SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 2006-11-16 · resigned 2024-01-01
ALLSOP, Stewart Kerr→
Resigneddirector · ~65y · appointed 2006-11-16 · resigned 2016-04-26
FULCO, Darren Andrew→
Resigneddirector · ~53y · appointed 2014-02-28 · resigned 2019-11-29
MAIR, Shona Morag→
Resigneddirector · ~45y · appointed 2023-02-09 · resigned 2023-03-26
MAIR, Shona Morag→
Resigneddirector · ~45y · appointed 2022-12-12 · resigned 2023-02-08
MAIR, Shona→
Resigneddirector · ~45y · appointed 2019-12-02 · resigned 2022-12-09
THOMSON, Ian Neilson→
Resigneddirector · ~61y · appointed 2007-03-15 · resigned 2024-02-22
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Carrington Holding Company, Carrington Holding Company, Llc | A registered charge | 1 property | 29/11/2019 | — | |
| outstanding | Carrington Holding Company, Carrington Holding Company, Llc | A registered charge | 1 property | 29/11/2019 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (86 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-07
appoint-person-director-company-with-name-date
officers · AP01
2025-06-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-17
gazette-filings-brought-up-to-date
gazette · DISS40
2024-12-04
gazette-notice-compulsory
gazette · GAZ1
2024-12-03
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-10-30
second-filing-of-director-appointment-with-name
officers · RP04AP01
2024-10-01
change-person-director-company-with-change-date
officers · CH01
2024-08-02
termination-director-company-with-name-termination-date
officers · TM01
2024-02-22
termination-secretary-company-with-name-termination-date
officers · TM02
2024-01-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-29
termination-director-company-with-name-termination-date
officers · TM01
2023-03-29