LNC CAPITAL LIMITED
🌱Startupactive
NI720204 · ltd · incorporated 2024-08-21
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
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
Strong
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
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 72/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
1 live charge · oldest 1.5y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 1.5 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (55/100)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
No iXBRL financials extracted
0
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
Network not yet resolved
30
Filing history
3 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.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (6 events)Click to expand
- 2024-11-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-15🔒Charge registered #1Lender: Kensington Mortgage Company Limited
- 2024-08-21🏢Company incorporatedAs LNC CAPITAL LIMITED
- 2024-08-21➕MALONE, Joanne Clare appointeddirector
- 2024-08-21➕MALONE, Patrick Joseph appointeddirector
- 2024-08-21📄incorporation-companyincorporation · NEWINC
Owner dependency
71/100
High — earn-out structure requiredMaterial 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 1.7 years old — management layer unlikely to be developed.
Succession & seller-readiness
36/100
Weak signalLimited 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
cleanNo 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 Patrick Joseph Malone Individual · Irish · DOB 04/1988 · age 38 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 21/08/2024 |
Mrs Joanne Clare Malone Individual · Irish · DOB 08/1987 · age 39 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 21/08/2024 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| ST JAMES PLACE CULCAVY MANAGEMENT COMPANY LIMITED→ NI691545 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| STARROW HOMES LTD→ NI732797 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| STATICE PROPERTY LTD→ NI662872 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| STATION ROAD MANAGEMENT COMPANY (BELFAST) LIMITED→ NI073328 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| STAY BELFAST CITY LTD→ NI704444 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| STB DEVELOPMENTS LTD→ NI723335 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| STEADLAND (HOLYWOOD) LTD→ NI645300 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| STEADLAND LTD→ NI609924 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| STEEL STRUCTURES PROPERTIES (N.I.) LTD→ NI642824 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| STEERMOUNT LIMITED→ NI613750 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| STELLA MONTIS LTD→ NI728974 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| STEP 2 DEVELOPMENTS LTD→ NI612197 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
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
Incorporated2024-08-21
Jurisdictionnorthern-ireland
Primary SIC68100 — Buying and selling of own real estate
Registered office
13 Flagstaff Road
Cloughoge
Newry
BT35 8NP
Northern Ireland
Filing status
Accounts
Next due: 2026-05-21
Last made up to: —
Confirmation statement
Next due: 2026-09-03
Last: 2025-08-20
Officers (2 active · 0 resigned)
MALONE, Joanne Clare→
Activedirector · ~39y · appointed 2024-08-21
View their other companies + combined net worth →
MALONE, Patrick Joseph→
Activedirector · ~38y · appointed 2024-08-21
View their other companies + combined net worth →
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 15/11/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (3 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-22
incorporation-company
incorporation · NEWINC
2024-08-21