J. D. MINTO LIMITED
- · Oldest live charge 27.7y old — refinance window within 12 months
No material changes in the last 30 days.
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (83/100, director aged 96). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
5 live charges · 2 lenders · oldest 27.7y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 27.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (76/100)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 | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £-47.3k | — |
| Current assets | £498 | — |
| Net assets | £-53.7k | — |
| Average employees | — | 600 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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
Corporate timeline (31 events)Click to expand
- 2025-10-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-11-11📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-11-11📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-11-11📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2020-09-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-05-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-18📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-05-17📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-08-18📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-04-24📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2006-12-15🔒Charge registered #6Lender: The Royal Bank of Scotland PLC
- 2001-09-20🔓Charge satisfied #4
- 2001-09-11🔓Charge satisfied #1
- 2001-08-14🔒Charge registered #5Lender: The Royal Bank of Scotland PLC
- 1999-03-30🔓Charge satisfied #2
- 1998-12-11🔒Charge registered #4Lender: Clydesdale Bank Public Limited Company
- 1998-10-30➕MINTO, John Duncan appointedsecretary
- 1998-10-30➕MINTO, John Duncan appointeddirector
- 1998-10-30➕MINTO, John Duncan appointeddirector
- 1998-10-30➖MESSRS THORNTONS WS resignedcorporate-nominee-secretary
- 1998-10-30➖HUTCHESON, Iain Henderson resignednominee-director
- 1998-10-30🔒Charge registered #2Lender: Clydesdale Bank Public Limited Company
- 1998-10-30🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 1998-08-06🏢Company incorporatedAs J. D. MINTO LIMITED
- 1998-08-06➕MESSRS THORNTONS WS appointedcorporate-nominee-secretary
- 1998-08-06➕HUTCHESON, Iain Henderson appointednominee-director
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 "MINTO" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 28 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 96 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 96 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 28 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 28 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
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Duncan Minto Individual · Scottish · DOB 09/1957 · age 69 | 25–50% | — | 25-50% shares | 06/08/2016 |
Mr John Duncan Minto Individual · Scottish · DOB 07/1930 · age 96 | 25–50% | — | 25-50% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 15/12/2006 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 14/08/2001 | — | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 11/12/1998 | 20/09/2001 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 30/10/1998 | 30/03/1999 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 30/10/1998 | 11/09/2001 |