MORE THAN MORTGAGES LIMITED

🌳Matureactive
SC313067 · ltd · incorporated 2006-12-06
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 Mar 2025
Net worth
£64.6k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 75-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 75). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (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
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
41 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.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £64,620
Cash YoY
+14%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£107k
↑ 14% YoY
Net Worth
£65k
↑ 33% YoY
Current Assets
—
Current Liabilities
—
£0£21k£43k£64k£86k£107kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£64.6k£48.6k
Cash£107.4k£94.5k
Net assets£64.6k£48.6k

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
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2025-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-07-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-11-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-11-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2020-11-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2019-12-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2018-12-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2017-12-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2016-12-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  11. 2016-02-01
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  12. 2015-09-21
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2014-12-09
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2014-12-08
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2014-02-24
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2006-12-06
    🏢
    Company incorporated
    As MORE THAN MORTGAGES LIMITED
  17. 2006-12-06
    ➕
    DAWSON, Jean appointed
    secretary
  18. 2006-12-06
    ➕
    DAWSON, Jean appointed
    director
  19. 2006-12-06
    ➕
    DAWSON, John appointed
    director

Owner dependency

91/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 75 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

89/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 19 years.
  • secondaryStable-but-static management: Company is 19 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Jean Dawson
Individual · British · DOB 11/1958 · age 68
——sig. influencesignificant influence01/08/2016
Mr John Dawson
Individual · British · DOB 11/1951 · age 75
——sig. influencesignificant influence01/08/2016

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

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.

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Company details

Statusactive
Typeltd
Incorporated2006-12-06
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

35 New Road
Milnathort
KY13 9XT

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-20
Last: 2025-12-06

Officers (3 active · 0 resigned)

DAWSON, Jean→
secretary · appointed 2006-12-06
View their other companies + combined net worth →
Active
DAWSON, Jean→
director · ~68y · appointed 2006-12-06
View their other companies + combined net worth →
Active
DAWSON, John→
director · ~75y · appointed 2006-12-06
View their other companies + combined net worth →
Active

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

Recent filings (41 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-18
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-11
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-11
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-12
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-17
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-12
accounts-with-accounts-type-micro-entity
accounts · AA
2020-11-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-12-09
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2018-12-13