MACKAY & INGLIS LIMITED
- · Oldest live charge 49.6y old — refinance window within 12 months
Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (68/100, director aged 56). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
2 live charges · oldest 49.6y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 49.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (77/100)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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey 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 | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £616.5k | £623.9k |
| Current assets | £684.5k | £613.5k |
| Cash | £277.8k | £243.4k |
| Debtors | £235.4k | £217.9k |
| Net assets | £616.5k | £623.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 accounts
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (28 events)Click to expand
- 2026-02-20📄accounts-with-accounts-type-smallaccounts · AA
- 2025-06-20📄accounts-with-accounts-type-smallaccounts · AA
- 2024-09-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-09-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-03-14📄accounts-with-accounts-type-smallaccounts · AA
- 2023-03-09📄accounts-with-accounts-type-smallaccounts · AA
- 2022-02-03📄accounts-with-accounts-type-smallaccounts · AA
- 2021-06-24📄accounts-with-accounts-type-smallaccounts · AA
- 2020-02-06📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-02-05📄accounts-with-accounts-type-smallaccounts · AA
- 2019-02-06📄accounts-with-accounts-type-smallaccounts · AA
- 2018-11-12📄change-person-director-company-with-change-dateofficers · CH01
- 2018-09-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-09-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-09-17📄change-person-director-company-with-change-dateofficers · CH01
- 2018-02-20📄accounts-with-accounts-type-smallaccounts · AA
- 2009-10-01➖MACDOUGALL, James Robert resigneddirector
- 2005-10-19➖INGLIS, Brian Sime resigneddirector
- 2000-10-01➕INGLIS, Craig Mcnair appointeddirector
- 2000-10-01➕TAYLOR, Karen appointeddirector
- 1996-12-13➕TAYLOR, Karen appointedsecretary
- 1996-12-13➖GUTHRIE, Rosina resignedsecretary
- 1992-01-29🔓Charge satisfied #3
- 1992-01-29🔓Charge satisfied #1
- 1989-09-30➖INGLIS, David Smith resigneddirector
- 1978-12-05🔒Charge registered #3Lender: Clydesdale Bank Public Limited Company
- 1976-10-01🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 1976-09-01🏢Company incorporatedAs MACKAY & INGLIS LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "INGLIS" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 50 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Craig Mcnair Inglis Individual · British · DOB 07/1970 · age 56 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mrs Karen Taylor Individual · British · DOB 03/1972 · age 54 | 25–50% | — | 25-50% shares | 06/04/2016 |
1 historic (ceased) PSC
- Mr Brian Sime Inglisceased 26/06/2019· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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6 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 (3 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 05/12/1978 | 29/01/1992 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 01/10/1976 | 29/01/1992 |