ARCHIBALD MARCKAY COMMERCIAL LTD
Opportunity 71/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. 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 (58/100).
Refinance opportunity
12 live charges · 5 lenders · oldest 6.6y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 6.6 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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 · accounting standard unknown| Metric | 2024-08-31 | 2023-08-31 |
|---|---|---|
| Average employees | 200 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
4 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
- • 1 mortgage
Corporate timeline (46 events)Click to expand
- 2025-12-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-04🔓Charge satisfied #9
- 2025-04-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-01🔒Charge registered #12Lender: Handelsbanken PLC
- 2025-03-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-28🔒Charge registered #11Lender: Handelsbanken PLC
- 2025-02-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-22📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-04-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-03🔒Charge registered #10Lender: Reward Finance Group Limited
- 2024-04-03🔓Charge satisfied #8
- 2024-04-03🔓Charge satisfied #7
- 2024-04-03🔓Charge satisfied #6
- 2024-03-28🔒Charge registered #9Lender: Reward Finance Group Limited
- 2023-10-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-10-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-10-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-10-02🔓Charge satisfied #3
- 2023-10-02🔓Charge satisfied #2
- 2023-10-02🔓Charge satisfied #1
- 2023-08-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-08-21🔓Charge satisfied #5
- 2023-08-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-08-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-08-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-08-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-15🔒Charge registered #8Lender: Jeffrey Gregory King
- 2023-08-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-10🔒Charge registered #7Lender: Jeffrey Gregory King
- 2023-08-10🔒Charge registered #6Lender: Jeffrey Gregory King
- 2023-05-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-03🔓Charge satisfied #4
- 2023-01-25🔒Charge registered #5Lender: Camstar Capital Limited
- 2022-01-11🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2021-11-12🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2019-10-30🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2019-10-30🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2019-10-02🏢Company incorporatedAs ARCHIBALD MARCKAY COMMERCIAL LTD
- 2019-10-02➕CLAYDON, Caroline Kay appointeddirector
- 2019-10-02➕CLAYDON, Nicholas Marc appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Archibald Marckay Group Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Archibald Marckay Group Ltd Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 16/08/2023 |
2 historic (ceased) PSCs
- Mrs Caroline Kay Claydonceased 16/08/2023· significant influence
- Mr Nicholas Marc Claydonceased 16/08/2023· significant influence
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.
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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 →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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 01/04/2025 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | — | 28/03/2025 | — | |
| outstanding | Reward Finance Group Reward Finance Group Limited | A registered charge | 1 property | 03/04/2024 | — | |
| satisfied | Reward Finance Group Reward Finance Group Limited | A registered charge | 1 property | 28/03/2024 | 04/12/2025 | |
| satisfied | Jeffrey Gregory King | A registered charge | 1 property | 15/08/2023 | 03/04/2024 | |
| satisfied | Jeffrey Gregory King | A registered charge | 1 property | 10/08/2023 | 03/04/2024 | |
| satisfied | Jeffrey Gregory King | A registered charge | 1 property | 10/08/2023 | 03/04/2024 | |
| satisfied | Camstar Capital Camstar Capital Limited | A registered charge | 1 property | 25/01/2023 | 21/08/2023 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 11/01/2022 | 03/04/2023 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | — | 12/11/2021 | 02/10/2023 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 30/10/2019 | 02/10/2023 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 30/10/2019 | 02/10/2023 |