LAURIE ADAM MORTGAGES LIMITED

🌱Startupactive
SC825321 · ltd · incorporated 2024-10-09
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
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Turnover
not disclosed
Net worth
book net assets
Opportunity
67/100
Strong
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Active trading company. Reasonable fundamentals — worth a memo before deciding.

Opportunity 67/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (65/100).

Data confidence

Overall: low (54/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
3 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
67/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (4 events)Click to expand
  1. 2025-02-18
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  2. 2024-10-09
    🏢
    Company incorporated
    As LAURIE ADAM MORTGAGES LIMITED
  3. 2024-10-09
    ADAM, Laurie appointed
    director
  4. 2024-10-09
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

95/100
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.
  • +Founder name in company name: Company name contains director surname "ADAM" — strong identity link between founder and business.
  • +Young company: Only 1.5 years old — management layer unlikely to be developed.

Succession & seller-readiness

45/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

1 med ·
Name changed recently
medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2025-02-18: certificate-change-of-name-company

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Ms Laurie Adam
Individual · British · DOB 11/1970 · age 56
75100%
75–100%board control75-100% shares · 75-100% voting · board control09/10/2024

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
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Company details

Statusactive
Typeltd
Incorporated2024-10-09
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies

Registered office

78-84 Bell Street
Dundee
DD1 1HN
United Kingdom

Filing status

Accounts
Next due: 2026-07-09
Last made up to:
Confirmation statement
Next due: 2026-10-22
Last: 2025-10-08

Officers (1 active · 0 resigned)

ADAM, Laurie
director · ~56y · appointed 2024-10-09
View their other companies + combined net worth →
Active

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

Recent filings (3 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-13
certificate-change-of-name-company
change-of-name · CERTNM
2025-02-18
incorporation-company
incorporation · NEWINC
2024-10-09