MEDLOCK & SONS LIMITED
Opportunity 79/100 (strong), bankability 57/100. Strong seller-intent signal (83/100, director aged 70). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
10 live charges · 5 lenders · oldest 15.9y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 15.9 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 1 | 100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (40 events)Click to expand
- 2025-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-18📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-12-05➖RYALLS, Pamela resignedsecretary
- 2024-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-12🔒Charge registered #10Lender: Fleet Mortgages Limited
- 2021-04-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-12-04🔒Charge registered #9Lender: National Westminster Bank PLC
- 2019-07-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-07-12🔓Charge satisfied #8
- 2018-05-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-05-18🔓Charge satisfied #7
- 2018-05-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-04-13🔒Charge registered #8Lender: Nucleus Property Finance Limited
- 2018-02-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-02-19🔓Charge satisfied #3
- 2017-07-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-06-07🔒Charge registered #7Lender: National Westminster Bank PLC
- 2017-01-23🔓Charge satisfied #4
- 2016-08-18🔒Charge registered #6Lender: National Westminster Bank PLC
- 2016-05-20🔒Charge registered #5Lender: National Westminster Bank PLC
- 2015-01-12🔒Charge registered #4Lender: Lloyds Bank PLC
- 2014-03-14🔓Charge satisfied #2
- 2014-03-14🔓Charge satisfied #1
- 2013-11-27🔒Charge registered #3Lender: Lloyds Bank PLC
- 2010-07-28🔒Charge registered #2Lender: Bridgebank Capital No. 3 Fund Limited
- 2010-07-28🔒Charge registered #1Lender: Bridgebank Capital No. 3 Fund Limited
- 2006-12-11➕MEDLOCK, Anthony Glynn appointeddirector
- 2006-12-11➕RYALLS, Pamela appointedsecretary
- 2006-12-06🏢Company incorporatedAs MEDLOCK & SONS LIMITED
- 2006-12-06➕LAWTON, Kathryn appointedsecretary
- 2006-12-06➖LAWTON, Kathryn resignedsecretary
- 2006-12-06➕RAYNER, Joanne appointeddirector
- 2006-12-06➖RAYNER, Joanne resigneddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "MEDLOCK" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 70 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 20 years.
- secondaryStable-but-static management: Company is 20 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
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Anthony Glynn Medlock Individual · British · DOB 08/1956 · age 70 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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9 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 →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
Registered office
Filing status
Officers (1 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 12/08/2022 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 04/12/2020 | — | |
| satisfied | Nucleus Property Finance Nucleus Property Finance Limited | A registered charge | 1 property | 13/04/2018 | 12/07/2018 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 07/06/2017 | 18/05/2018 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 18/08/2016 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 2 properties | 20/05/2016 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 12/01/2015 | 23/01/2017 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 27/11/2013 | 19/02/2018 | |
| satisfied | Bridgebank Capital No. 3 Fund Bridgebank Capital No. 3 Fund Limited | Debenture | 1 property | 28/07/2010 | 14/03/2014 | |
| satisfied | Bridgebank Capital No. 3 Fund Bridgebank Capital No. 3 Fund Limited | Legal mortgage | 1 property | 28/07/2010 | 14/03/2014 |