FALKIRK MORTGAGE ADVICE CENTRE (SCOTLAND) LTD

💤Zombieactive
SC358034 · ltd · incorporated 2009-04-09
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.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£16.8k
book net assets
Opportunity
80/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 59). 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 (82/100)

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
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
39 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 £16,762
Net assets shrinking
Down £3,807 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£17k
↓ 19% YoY
Current Assets
£6k
Current Liabilities
—
£0£4k£8k£12k£16k£21kSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-302023-09-30
Total assets£16.8k£20.6k
Current assets£6.5k—
Net assets£16.8k£20.6k

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 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2025-06-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-03-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2024-06-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-05-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-06-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-06-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-06-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-06-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2017-06-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  11. 2016-06-21
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-05-02
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  13. 2015-06-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-05-11
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2014-06-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2010-11-25
    ➖
    SCOTT, Thomas Kenneth resigned
    director
  17. 2009-04-20
    ➕
    SCOTT, Thomas Kenneth appointed
    director
  18. 2009-04-09
    🏢
    Company incorporated
    As FALKIRK MORTGAGE ADVICE CENTRE (SCOTLAND) LTD
  19. 2009-04-09
    ➕
    HENDERSON, Graeme Wilson appointed
    director

Owner dependency

93/100
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 17 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

78/100
Likely off-market candidate

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 17 years.
  • secondaryStable-but-static management: Company is 17 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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Graeme Wilson Henderson
Individual · British · DOB 02/1967 · age 59
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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 →

Similar companies

Active · Financial services · FK postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
RUSSEL + AITKEN NOMINEES LIMITED→
SC052053 · est 1972
———553y8369y
DENIS O. BROWN & ASSOCIATES LIMITED→
SC046416 · est 1969 · no financials extracted
————57y8267y
FULCRUM INSURED EMPLOYEE BENEFITS LIMITED→
SC335390 · est 2007
——£89.8k—18y8265y
GEORGE GILL FINANCIAL SERVICES LTD.→
SC299207 · est 2006
——£110.3k—20y8261y
THE MORTGAGE DESK (SCOTLAND) LIMITED→
SC143635 · est 1993
————33y8277y
A.R.D. CONSULTANCY LIMITED→
SC334089 · est 2007
———90018y8164y
ASSET & GENERAL FINANCE LTD→
SC308532 · est 2006
——£1.6k—19y8163y
FRASER TENNANT FINANCIAL SOLUTIONS LIMITED→
SC249345 · est 2003 · no financials extracted
————23y8161y
STRATEGIC INNOVATIVE FINANCE LTD.→
SC265516 · est 2004
——£5.5k—22y8164y
ASM RECOVERY LIMITED→
SC340517 · est 2008
———10018y8065y
GT MORTGAGES LTD.→
SC298635 · est 2006
———20020y8067y
HAZELL CARR (AT) SERVICES LIMITED→
SC420031 · est 2012 · no financials extracted
————14y8059y
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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2009-04-09
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

21 Whitehouse Road
Springkerse Industrial Estate
Stirling
FK7 7SP
Scotland

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2027-03-25
Last: 2026-03-11

Officers (1 active · 1 resigned)

HENDERSON, Graeme Wilson→
director · ~59y · appointed 2009-04-09
View their other companies + combined net worth →
Active
SCOTT, Thomas Kenneth→
director · ~69y · appointed 2009-04-20 · resigned 2010-11-25
Resigned

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

Recent filings (39 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-17
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-04
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-06-26