HC2M INDEPENDENT MORTGAGE SHOP LTD.

💤Zombieactive
SC318534 · ltd · incorporated 2007-03-14
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
£61.6k
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
Asset-holding vehicle with a 67-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 67). 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: medium (77/100)

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, 1 with DOB)
74
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
47 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 · FRS 105 (micro)
Positive net assets
Net assets £61,608

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£62k
↑ 16% YoY
Current Assets
£107k
~ YoY
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 · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£61.6k£52.9k
Current assets£107.4k£107.3k
Net assets£61.6k£52.9k

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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2025-05-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-05-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-05-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-05-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-10-25
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2021-08-31
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2021-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-05-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-05-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-05-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2016-05-17
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-03-24
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-05-13
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-03-17
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2007-03-14
    🏢
    Company incorporated
    As HC2M INDEPENDENT MORTGAGE SHOP LTD.
  17. 2007-03-14
    ➕
    CONNOR, Marie appointed
    secretary
  18. 2007-03-14
    ➕
    CONNOR, Hugh appointed
    director
  19. 2007-03-14
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-secretary
  20. 2007-03-14
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-secretary
  21. 2007-03-14
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-director
  22. 2007-03-14
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-director
  23. 2007-03-14
    ➕
    PETER TRAINER CORPORATE SERVICES LTD. appointed
    corporate-nominee-director
  24. 2007-03-14
    ➖
    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 19 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — 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 67. 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 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
Mr Hugh Connor
Individual · British · DOB 10/1959 · age 67
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mrs Marie Connor
Individual · British · DOB 08/1959 · age 67
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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

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
Incorporated2007-03-14
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies

Registered office

10 Sunnyside Road
Coatbridge
ML5 3DG
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-28
Last: 2026-03-14

Officers (2 active · 3 resigned)

CONNOR, Marie→
secretary · appointed 2007-03-14
View their other companies + combined net worth →
Active
CONNOR, Hugh→
director · ~67y · appointed 2007-03-14
View their other companies + combined net worth →
Active
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-secretary · appointed 2007-03-14 · resigned 2007-03-14
Resigned
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-director · appointed 2007-03-14 · resigned 2007-03-14
Resigned
PETER TRAINER CORPORATE SERVICES LTD.→
corporate-nominee-director · appointed 2007-03-14 · resigned 2007-03-14
Resigned

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

Recent filings (47 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-16
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-25
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-15
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-15
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-14
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-10-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-08-31
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-29
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-31
confirmation-statement-with-updates
confirmation-statement · CS01
2020-03-25