M & M CONTRACTORS (EUROPE) LTD

🌳Matureactive

NI614374 · ltd · incorporated 2012-09-10

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.

Why now

Window steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 9.9y old — refinance window within 12 months

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

£20.27M

year to Oct 2024

Net worth

—

book net assets

Opportunity

79/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: SIC 42220

Sector: Construction

ALSO REGISTERED FOR

42990Construction of other civil engineering projects n.e.c.
61100Wired telecommunications activities
61900Other telecommunications activities

Investor take

Pursue

Conservative operator with a 75-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (68/100, director aged 75). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (85/100).

🏦

Refinance opportunity

1 live charge · oldest 9.9y

95/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 9.9 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.
· Profitable and stable/growing — lender coverage supportable.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 4 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

38 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Profitable

Profit before tax £451,083

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-10-31	2023-10-31
Turnover	£20.27M	—
Gross profit	£2.05M	—
Operating profit	£783.2k	—
Profit before tax	£451.1k	—
Average employees	2700	2700

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

🔒Filing-note intelligence

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

Last 30 days

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (20 events)Click to expand

2026-02-17
📄
accounts-with-accounts-type-full
accounts · AA
2025-04-28
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-28
🔓
Charge satisfied #1
2024-10-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-13
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-13
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-10-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-29
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-11-29
📄
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2021-08-17
📄
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2021-07-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-25
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-10-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-07-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-07-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-09-09
🔒
Charge registered #1
Lender: Aib Group (UK) P.L.C.
2012-09-10
🏢
Company incorporated
As M & M CONTRACTORS (EUROPE) LTD
2012-09-10
➕
LOYE, Gareth appointed
director
2012-09-10
➕
LOYE, Noel appointed
director

Owner dependency

86/100

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

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Founder age: Director aged approximately 75 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
+No director turnover: Company is 14 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

79/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
secondary12+ year tenure: Director in role 14 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

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

Name	Shares	Voting rights	Nature of control	Notified
Mr Gareth Loye Individual · Irish · DOB 05/1980 · age 46	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	06/04/2016
Mr Noel Loye Individual · Irish · DOB 12/1951 · age 75	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	06/04/2016

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 →

Similar companies

Active · Construction · BT postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BSG CIVIL ENGINEERING LIMITED→ NI021016 · est 1987	£25.64M £18.31M–£32.96M	£36.49M	—	8700	38y	85	73y
PETER MCCORMACK & SONS LIMITED→ NI038813 · est 2000	£16.43M £11.74M–£21.13M	—	—	2200	26y	85	60y
SOUTH BANK SQUARE LTD→ NI605444 · est 2010	£12.16M £8.69M–£15.64M	£13.65M	—	400	15y	86	73y
D B BUILDING CONTRACTS LTD→ NI045897 · est 2003	£8.19M £5.85M–£10.53M	—	—	48	23y	84	60y
J. H. TURKINGTON & SONS LIMITED→ NI018132 · est 1985	£7.97M £5.69M–£10.25M	—	—	8000	41y	84	72y
FG MECHANICAL BUILDING SERVICES LIMITED→ NI067532 · est 2007	£7.73M £5.52M–£9.94M	—	—	20	18y	83	49y
P MCK LTD→ NI062901 · est 2007	£7.58M £5.42M–£9.75M	£16.85M	—	5100	19y	87	71y
FELIX O'HARE & COMPANY LIMITED→ NI001808 · est 1944	£7.23M £5.16M–£9.29M	£66.16M	—	10400	81y	83	61y
BAYVIEW CONTRACTS LTD→ NI041488 · est 2001	£6.74M £4.82M–£8.67M	£28.94M	—	19700	24y	95	61y
CORICK INVESTMENTS LIMITED→ NI025056 · est 1990	£6.35M £4.54M–£8.16M	—	—	0	35y	92	69y
ADSTON (UK) LIMITED→ NI605512 · est 2010	£4.00M £2.86M–£5.15M	£11.40M	—	1100	15y	100	79y
F G ANDERSON & SONS LTD→ NI681234 · est 2021	£2.79M £1.99M–£3.59M	—	—	0	4y	85	69y

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

Incorporated2012-09-10

Jurisdictionnorthern-ireland

Primary SIC42220 — SIC 42220

Registered office

4 Pilots View

Heron Road

Belfast

BT3 9LE

Northern Ireland

Filing status

Accounts

Next due: 2026-10-31

Last made up to: 2024-10-31

Confirmation statement

Next due: 2026-11-18

Last: 2025-11-04

Officers (2 active · 0 resigned)

LOYE, Gareth→

director · ~46y · appointed 2012-09-10

View their other companies + combined net worth →

Active

LOYE, Noel→

director · ~75y · appointed 2012-09-10

View their other companies + combined net worth →

Active

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	satisfied	Aib Group (UK) P.L.C.	A registered charge	1 property	09/09/2016	28/04/2025

Recent filings (38 total)

accounts-with-accounts-type-full

accounts · AA

2026-02-17

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-12-10

mortgage-satisfy-charge-full

mortgage · MR04

2025-04-28

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-11-15

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-10-29

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-11-13

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2023-11-13

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2023-11-13

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-10-31

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-11-11

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-10-31

confirmation-statement-with-no-updates

confirmation-statement · CS01

2021-11-29

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2021-11-29

accounts-amended-with-accounts-type-total-exemption-full

accounts · AAMD

2021-11-29

accounts-amended-with-accounts-type-total-exemption-full

accounts · AAMD

2021-08-17