JOHN LYNCH (BUILDERS) LIMITED

🌳Matureactive
SC060799 · ltd · incorporated 1976-09-28
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
73/100
Strong
🔔
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What this business does
Primary activity: Development of building projects
Sector: Construction
ALSO REGISTERED FOR
  • 41202Construction of domestic buildings
  • 68100Buying and selling of own real estate
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 73/100 (strong), bankability 57/100. Strong seller-intent signal (70/100, director aged 59). Biggest value-creation lever: Consolidate lender relationships. 42 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (53/100).

🏦

Refinance opportunity

75 live charges · 40 lenders · oldest 47.2y

25/100
too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

  • · Oldest live charge is 47.2 years old — likely at or near maturity.
  • · 40 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

Data confidence

Overall: high (82/100)

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

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
75 charges (74/75 with lender, 75/75 with type)
90
Directors & officers
14 officers (2 active, 14 linked, 10 with DOB)
84
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
213 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees7600

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

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
5
filings
  • • 4 mortgage
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (152 events)Click to expand
  1. 2026-01-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-12-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-12-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2025-12-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2025-12-01
    🔒
    Charge registered #103
    Lender: Handelsbanken PLC (Company Number: 11305395)
  6. 2025-11-28
    🔒
    Charge registered #104
    Lender: Handelsbanken PLC (Company Number: 11305395)
  7. 2025-11-28
    🔒
    Charge registered #102
    Lender: Handelsbanken PLC (Company Number: 11305395)
  8. 2025-11-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2025-11-19
    🔒
    Charge registered #101
    Lender: Handelsbanken PLC
  10. 2025-04-28
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2025-04-28
    🔓
    Charge satisfied #94
  12. 2025-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2023-11-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2023-01-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2022-12-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2022-11-08
    📄
    second-filing-of-confirmation-statement-with-made-up-date
    confirmation-statement · RP04CS01
  17. 2021-11-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2021-09-20
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  19. 2021-06-21
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  20. 2020-12-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2020-11-25
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  22. 2020-11-25
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  23. 2020-11-25
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  24. 2020-11-25
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  25. 2020-11-03
    ➖
    LYNCH, John Stevenson resigned
    secretary
  26. 2020-11-03
    ➖
    LYNCH, John Stevenson resigned
    director
  27. 2020-08-18
    🔒
    Charge registered #100
    Lender: James Meikle
  28. 2019-11-11
    🔒
    Charge registered #99
    Lender: Cala Management Limited
  29. 2019-11-11
    🔒
    Charge registered #98
    Lender: Cala Management Limited
  30. 2018-04-12
    🔓
    Charge satisfied #97
  31. 2018-03-27
    🔒
    Charge registered #97
    Lender: Taylor Wimpey UK
  32. 2017-04-12
    🔒
    Charge registered #96
    Lender: John Lynch Family Trust No 2
  33. 2017-04-12
    🔒
    Charge registered #95
    Lender: John Lynch Family Trust No 2
  34. 2016-04-05
    ➕
    PATERSON, Alan Lobban appointed
    director
  35. 2015-04-30
    ➖
    LYNCH JNR, John Stevenson resigned
    director
  36. 2015-01-28
    🔓
    Charge satisfied #92
  37. 2014-09-02
    🔒
    Charge registered #94
    Lender: Barclays Bank PLC
  38. 2011-05-18
    🔓
    Charge satisfied #90
  39. 2011-01-25
    ➖
    PICKLES, Andrew John resigned
    director
  40. 2010-12-15
    ➕
    PICKLES, Andrew John appointed
    director
  41. 2010-12-14
    ➖
    LAUGHLAND, John Wilson resigned
    secretary
  42. 2010-12-14
    ➕
    LYNCH, John Stevenson appointed
    secretary
  43. 2010-12-14
    ➖
    LAUGHLAND, John Wilson resigned
    director
  44. 2010-12-14
    ➖
    PICKLES, Andrew John resigned
    director
  45. 2010-12-09
    🔒
    Charge registered #92
    Lender: Clydesdale Bank PLC
  46. 2007-07-09
    🔒
    Charge registered #91
    Lender: The Miller Group Limited
  47. 2005-12-31
    ➖
    FERGUSON, Daniel Scott resigned
    director
  48. 2005-08-01
    ➕
    LYNCH, William Nixon appointed
    director
  49. 2005-08-01
    ➕
    LYNCH JNR, John Stevenson appointed
    director
  50. 2004-06-01
    🔒
    Charge registered #90
    Lender: The Royal Bank of Scotland PLC
Showing most recent 50 of 152 events

Owner dependency

91/100
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 name in company name: Company name contains director surname "LYNCH" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

76/100
Likely off-market candidate

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 21 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

2 med · 1 low
4 new charges in last 12 months
medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2025-12-01: A registered charge; 2025-11-28: A registered charge; 2025-11-28: A registered charge

Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

38 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
William Lynch
Individual · British · DOB 03/1967 · age 59
——sig. influencesignificant influence03/11/2020
2 historic (ceased) PSCs
  • Mrs Patricia Lynchceased 21/06/2021· 25-50% shares · 25-50% voting
  • Mr John Stevenson Lynchceased 03/11/2020· 25-50% shares · 25-50% voting

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

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 →
🔒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
Incorporated1976-09-28
Jurisdictionscotland
Primary SIC41100 — Development of building projects

Registered office

East Brockloch Farm
East Brockloch
Maybole
KA19 8DG
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-20
Last: 2025-10-06

Officers (2 active · 12 resigned)

LYNCH, William Nixon→
director · ~59y · appointed 2005-08-01
View their other companies + combined net worth →
Active
PATERSON, Alan Lobban→
director · ~54y · appointed 2016-04-05
View their other companies + combined net worth →
Active
GEDDES, Elizabeth Caroline→
secretary · appointed 1993-09-02 · resigned 1996-12-09
Resigned
LAUGHLAND, John Wilson→
secretary · appointed 1997-03-14 · resigned 2010-12-14
Resigned
LAUGHLAND, John Wilson→
secretary · resigned 1993-09-02
Resigned
LYNCH, John Stevenson→
secretary · appointed 2010-12-14 · resigned 2020-11-03
Resigned
FERGUSON, Daniel Scott→
director · ~88y · resigned 2005-12-31
Resigned
LAUGHLAND, John Wilson→
director · ~91y · resigned 2010-12-14
Resigned
LYNCH, John Stevenson→
director · ~78y · resigned 2020-11-03
Resigned
LYNCH JNR, John Stevenson→
director · ~56y · appointed 2005-08-01 · resigned 2015-04-30
Resigned
NISBET, James→
director · ~95y · resigned 1990-10-01
Resigned
PICKLES, Andrew John→
director · ~77y · appointed 2010-12-15 · resigned 2011-01-25
Resigned
PICKLES, Andrew John→
director · ~77y · appointed 1990-10-01 · resigned 2010-12-14
Resigned
ROSS, Kenneth→
director · ~78y · resigned 1993-08-09
Resigned

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

Mortgages & charges

75
Total charges
38
Outstanding
25
Active lenders
Status:Lender:75 of 75 shown
TypeProperties
outstanding
Handelsbanken (Company Number: 11305395)
Handelsbanken PLC (Company Number: 11305395)
A registered charge1 property01/12/2025—
outstanding
Handelsbanken (Company Number: 11305395)
Handelsbanken PLC (Company Number: 11305395)
A registered charge1 property28/11/2025—
outstanding
Handelsbanken (Company Number: 11305395)
Handelsbanken PLC (Company Number: 11305395)
A registered charge1 property28/11/2025—
outstanding
Handelsbanken
Handelsbanken PLC
A registered charge—19/11/2025—
outstanding
James Meikle
A registered charge1 property18/08/2020—
outstanding
Cala Management
Cala Management Limited
A registered charge1 property11/11/2019—
outstanding
Cala Management
Cala Management Limited
A registered charge1 property11/11/2019—
satisfied
Taylor Wimpey UK
A registered charge1 property27/03/201812/04/2018
outstanding
John Lynch Family Trust No 2 / William Nixon Lynch / John Stevenson Lynch
A registered charge1 property12/04/2017—
outstanding
John Lynch Family Trust No 2 / William Nixon Lynch / John Stevenson Lynch
A registered charge1 property12/04/2017—
satisfied
Barclays
Barclays Bank PLC
A registered charge—02/09/201428/04/2025
satisfied
Virgin Money
Clydesdale Bank PLC
Floating charge1 property09/12/201028/01/2015
outstanding
The Miller Group
The Miller Group Limited
Standard security1 property09/07/2007—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property01/06/200418/05/2011
outstanding
James Burns Craig, Mrs Elizabeth Drennan or Craig and Miss Drena Elizabeth Craig
Standard security1 property01/11/1999—
outstanding
James Wilson & Mrs Isabella Keay Wilson
Standard security1 property18/05/1999—
outstanding
Rose Meikle & Others
Standard security1 property12/02/1999—
satisfied
Simon Little
Standard security1 property10/07/199823/02/2001
satisfied
William Bryson
Standard security1 property09/06/199823/02/2001
outstanding
James Wilson and Mrs Isabella Keay Wilson
Standard security1 property24/07/1996—
satisfied
Imi Property Investments and Another
Imi Property Investments Limited and Another
Standard security1 property27/03/199623/02/2001
satisfied
Miller Homes
Miller Homes Limited
Standard security1 property22/12/199501/05/1996
outstanding
James Wilson and Another
Standard security1 property22/12/1995—
satisfied
Wimpey Homes Holdings
Wimpey Homes Holdings Limited
Standard security1 property04/04/199501/05/1996
outstanding
John Filshie and Others
Standard security1 property02/03/1994—
outstanding
Unknown
Standard security—02/03/1994—
outstanding
Wimpey Homes Holdings
Wimpey Homes Holdings Limited
Standard security1 property07/04/1992—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Floating charge1 property04/04/199111/10/2000
outstanding
East Kilbride Development Corporation
Standard security1 property29/10/1990—
outstanding
East Kilbride Development Corporation
Standard security1 property22/10/1990—
outstanding
East Kilbride Development Corporation
Standard security1 property22/10/1990—
outstanding
Sir Claud Hagart Alexander
Standard security1 property04/08/1989—
outstanding
Donald Mcpherson Wilson
Standard security1 property05/07/1989—
satisfied
Scottish Development Agency
Standard security1 property31/03/198921/08/1991
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property25/11/198804/10/1991
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property20/09/198813/06/1991
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property27/07/198815/02/1991
satisfied
Shoplan (Shopfitters)
Shoplan (Shopfitters) LTD
Standard security1 property09/06/198818/04/1989
outstanding
Ashton & Mccaul
Ashton & Mccaul LTD
Standard security2 properties06/04/1988—
outstanding
Tilbury Homes (Scotland)
Tilbury Homes (Scotland) LTD
Standard security1 property15/03/1988—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property08/02/1988—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security2 properties21/01/1988—
outstanding
James Hodge
Standard security1 property09/01/1987—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property09/06/1986—
outstanding
Society Immocom S.A.
Standard security1 property26/03/1986—
outstanding
S. Wolfson & Partners
S. Wolfson & Partners Limited
Standard security1 property04/10/1985—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property04/10/1985—
satisfied
Southern Developments
Southern Developments Limited
Standard security1 property04/07/198515/02/1991
satisfied
Scottish Development Agency
Standard security1 property01/06/198424/03/1986
satisfied
Scottish Development Agency
Standard security1 property01/06/198429/12/1987
satisfied
Southern Developments
Southern Developments LTD
Standard security2 properties30/05/198415/02/1991
satisfied
Scottish Development Agency
Charge1 property24/05/198429/06/1988
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property16/05/198424/12/1985
satisfied
Robinson Dunn Co. (Holdings)
Robinson Dunn Co. (Holdings) Limited
Standard security1 property27/04/198405/06/1985
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property27/04/198408/09/1987
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Irrevocable mandate1 property26/03/198420/08/1986
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Irrevocable mandate1 property26/03/198420/08/1986
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Irrevocable mandate1 property26/03/198420/08/1986
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Irrevocable mandate1 property26/03/198430/04/1986
outstanding
Christian Salveson (Properties)
Christian Salveson (Properties) LTD
Standard security1 property20/03/1984—
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property20/03/1984—
satisfied
Lie Claud Hagart Alexander
Standard security1 property21/11/198322/02/1984
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security2 properties28/01/1983—
satisfied
Robinson Dunn & Co (Holdings)
Robinson Dunn & Co (Holdings) LTD
Standard security1 property23/11/198228/10/1985
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property23/11/198228/12/1984
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property26/07/198222/09/1986
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property20/04/198221/05/1985
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property24/03/198221/03/1985
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property25/01/1982—
satisfied
Andersons Developments
Andersons Developments LTD
Standard security1 property20/07/198112/10/1981
outstanding
United Dominions Trust
United Dominions Trust LTD
Standard security1 property03/04/1981—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property27/11/198014/10/1985
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security2 properties30/06/198014/10/1985
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property05/05/198014/10/1985
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property19/02/1979—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (213 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-27
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-20
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-16
change-person-director-company-with-change-date
officers · CH01
2023-01-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-01
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2022-11-08
confirmation-statement-with-updates
confirmation-statement · CS01
2022-10-06