MAC & CO PROPERTIES LTD

🌿Early-stageactive
15029730 · ltd · incorporated 2023-07-26
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
🔒Estimated value
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Turnover
year to Jul 2025
Net worth
£-286
book net assets
Opportunity
72/100
Strong
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
  • 68320Management of real estate on a fee or contract basis
Investor take
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 72/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

1 live charge · oldest 1.6y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Newest facility, 1.6 years old — likely still in initial term.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (79/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
6 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Negative net assets
Liabilities exceed assets by £286
Net assets shrinking
Down £288 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
-£286
↓ 14400% YoY
Current Assets
£4k
↑ 176300% YoY
Current Liabilities
-£286£477£1k£2k£3k£4kJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-07-312024-07-31
Total assets£92.4k£2
Current assets£3.5k£2
Net assets£-286£2

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal 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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (8 events)Click to expand
  1. 2026-02-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-01-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-10-14
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2024-10-14
    🔒
    Charge registered #1
    Lender: Kensington Mortgage Company Limited
  5. 2023-07-26
    🏢
    Company incorporated
    As MAC & CO PROPERTIES LTD
  6. 2023-07-26
    MCLOUGHLIN, Amber Taryn appointed
    director
  7. 2023-07-26
    MCLOUGHLIN, Ian Colin Joe appointed
    director
  8. 2023-07-26
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

71/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +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.
  • +Young company: Only 2.9 years old — management layer unlikely to be developed.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Amber Taryn Mcloughlin
Individual · British · DOB 05/1984 · age 42
2550%
25–50%board control25-50% shares · 25-50% voting · board control26/07/2023
Mr Ian Colin Joe Mcloughlin
Individual · British · DOB 06/1981 · age 45
2550%
25–50%board control25-50% shares · 25-50% voting · board control26/07/2023

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 →

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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
Incorporated2023-07-26
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate

Registered office

555 Smithdown Road
Liverpool
L15 5AF
England

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-08-08
Last: 2025-07-25

Officers (2 active · 0 resigned)

MCLOUGHLIN, Amber Taryn
director · ~42y · appointed 2023-07-26
View their other companies + combined net worth →
Active
MCLOUGHLIN, Ian Colin Joe
director · ~45y · appointed 2023-07-26
View their other companies + combined net worth →
Active

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property14/10/2024
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (6 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-05
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-01
incorporation-company
incorporation · NEWINC
2023-07-26