MCINALLY ASSOCIATES LIMITED

🌳Matureactive
SC141718 · ltd · incorporated 1992-12-14
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 27.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2024
Net worth
£-129.9k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 78). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 27.4y

70/100
ready

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

  • · Oldest live charge is 27.4 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · 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, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
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
90 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £129,900

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
-£130k
↓ 14% YoY
Current Assets
£11k
↓ 80% YoY
Current Liabilities
—
-£130k-£93k-£56k-£20k£17k£54kMay 2023May 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-05-312023-05-31
Total assets£-119.5k£-95.0k
Current assets£10.8k£53.8k
Cash—£30.0k
Debtors£10.8k£23.8k
Net assets£-129.9k£-114.4k

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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
  1. 2025-05-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-03
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2024-09-03
    🔓
    Charge satisfied #2
  4. 2024-05-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-05-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-04-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2023-03-31
    🔒
    Charge registered #3
    Lender: Allica Bank Limited
  8. 2022-08-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-07-27
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  10. 2022-07-26
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  11. 2021-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-02-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-02-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2016-12-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2016-12-21
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  18. 1998-12-14
    🔒
    Charge registered #2
    Lender: Aib Group (UK) P.L.C.
  19. 1996-08-25
    ➖
    HILL, Graeme resigned
    director
  20. 1993-05-28
    ➕
    HILL, Graeme appointed
    director
  21. 1992-12-14
    🏢
    Company incorporated
    As MCINALLY ASSOCIATES LIMITED
  22. 1992-12-14
    ➕
    MCINALLY, Rosemarie appointed
    secretary
  23. 1992-12-14
    ➕
    MCINALLY, Rosemarie appointed
    director
  24. 1992-12-14
    ➕
    MCINALLY, Thomas appointed
    director
  25. 1992-12-14
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  26. 1992-12-14
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  27. 1992-12-14
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-nominee-director
  28. 1992-12-14
    ➖
    JORDANS (SCOTLAND) LIMITED resigned
    corporate-nominee-director

Owner dependency

100/100
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 "MCINALLY" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 33 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 78 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100
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 78 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 33 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 33 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

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 Rosemarie Mcinally
Individual · British · DOB 12/1951 · age 75
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
Mr Thomas Mcinally
Individual · British · DOB 04/1948 · age 78
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016

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 →

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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
Incorporated1992-12-14
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

6th Floor Gordon Chambers
90 Mitchell Street
Glasgow
G1 3NQ

Filing status

Accounts
Next due: 2026-05-31
Last made up to: 2024-05-31
Confirmation statement
Next due: 2026-12-28
Last: 2025-12-14

Officers (3 active · 3 resigned)

MCINALLY, Rosemarie→
secretary · appointed 1992-12-14
View their other companies + combined net worth →
Active
MCINALLY, Rosemarie→
director · ~75y · appointed 1992-12-14
View their other companies + combined net worth →
Active
MCINALLY, Thomas→
director · ~78y · appointed 1992-12-14
View their other companies + combined net worth →
Active
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 1992-12-14 · resigned 1992-12-14
Resigned
HILL, Graeme→
director · ~62y · appointed 1993-05-28 · resigned 1996-08-25
Resigned
JORDANS (SCOTLAND) LIMITED→
corporate-nominee-director · appointed 1992-12-14 · resigned 1992-12-14
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Allica Bank
Allica Bank Limited
A registered charge—31/03/2023—
satisfied
Aib Group (UK) P.L.C.
Bond & floating charge1 property14/12/199803/09/2024
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (90 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-20
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-31
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-04-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-31
gazette-filings-brought-up-to-date
gazette · DISS40
2022-07-27
gazette-notice-compulsory
gazette · GAZ1
2022-07-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-14