AM2PM LETTINGS AND RENOVATIONS LTD
Opportunity 69/100 (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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
5 live charges · 3 lenders · oldest 2.1y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 2.1 years old — likely still in initial term.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (78/100)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 | 2025-10-31 | 2024-10-31 |
|---|---|---|
| Average employees | 200 | 200 |
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
- • 1 mortgage
- • 1 accounts
- • 3 mortgage
- • 1 accounts
- • 5 mortgage
- • 1 accounts
Corporate timeline (24 events)Click to expand
- 2026-07-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-07-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-07-16🔒Charge registered #5Lender: Aldermore Bank PLC
- 2026-05-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-05-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-05-20🔓Charge satisfied #4
- 2026-05-20🔓Charge satisfied #3
- 2026-02-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-11🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2026-02-11🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2025-07-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-30🔒Charge registered #2Lender: Chl Mortgages for Intermediaries Limited
- 2025-04-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-18🔒Charge registered #1Lender: Chl Mortgages for Intermediaries Limited
- 2023-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-19📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2020-10-22🏢Company incorporatedAs AM2PM LETTINGS AND RENOVATIONS LTD
- 2020-10-22➕MCINTYRE, Anna appointeddirector
- 2020-10-22➕MCINTYRE, Paul John appointeddirector
- 2020-10-22📄incorporation-companyincorporation · NEWINC
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 6 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
2 med ·Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-07-16: A registered charge; 2026-02-11: A registered charge; 2026-02-11: A registered charge
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Paul John Mcintyre Individual · British · DOB 12/1970 · age 56 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 22/10/2020 |
Mrs Anna Mcintyre Individual · Polish · DOB 02/1975 · age 51 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 22/10/2020 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 16/07/2026 | — | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 11/02/2026 | 20/05/2026 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 11/02/2026 | 20/05/2026 | |
| outstanding | Chl Mortgages for Intermediaries Chl Mortgages for Intermediaries Limited | A registered charge | 1 property | 30/06/2025 | — | |
| outstanding | Chl Mortgages for Intermediaries Chl Mortgages for Intermediaries Limited | A registered charge | 1 property | 18/06/2024 | — |