M & J BUILDERS MERCHANTS LIMITED

🌳Matureactive
SC201280 · ltd · incorporated 1999-11-03
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£3.20M
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: SIC 99999
Sector: Extraterritorial bodies
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and acceptable with review structure.

Opportunity 80/100 (exceptional), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

11 live charges · 7 lenders · oldest 24.4y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 24.4 years old — likely at or near maturity.
  • · 7 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

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

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
11 charges (11/11 with lender, 11/11 with type)
90
Directors & officers
8 officers (4 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
106 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £3,197,601

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£3.2m
~ YoY
Current Assets
£3.2m
↑ 16% YoY
Current Liabilities
—
£0£640k£1.3m£1.9m£2.6m£3.2mDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Total assets£3.20M£3.37M
Current assets£3.20M£2.77M
Cash—£9.3k
Debtors£3.20M£2.04M
Net assets£3.20M£3.20M

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

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (50 events)Click to expand
  1. 2025-09-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-12-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2023-12-21
    🔓
    Charge satisfied #6
  5. 2023-09-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-12-29
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2022-12-29
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2022-12-29
    🔓
    Charge satisfied #10
  9. 2022-12-29
    🔓
    Charge satisfied #7
  10. 2022-09-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-11-30
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  12. 2021-09-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2020-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2019-12-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2019-12-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2019-12-19
    📄
    mortgage-alter-floating-charge-with-number
    mortgage · 466(Scot)
  17. 2019-12-19
    🔒
    Charge registered #11
    Lender: The Royal Bank of Scotland PLC
  18. 2019-12-17
    📄
    mortgage-alter-floating-charge-with-number
    mortgage · 466(Scot)
  19. 2019-12-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  20. 2019-12-11
    🔒
    Charge registered #10
    Lender: Alexander Douglas
  21. 2019-12-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  22. 2019-12-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  23. 2019-12-06
    🔒
    Charge registered #8
    Lender: The Royal Bank of Scotland PLC
  24. 2019-12-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  25. 2019-12-04
    🔒
    Charge registered #6
    Lender: Rbs Invoice Finance LTD
  26. 2019-12-02
    🔒
    Charge registered #9
    Lender: The Royal Bank of Scotland PLC
  27. 2019-12-02
    🔒
    Charge registered #7
    Lender: Alexander Douglas
  28. 2017-10-25
    🔓
    Charge satisfied #5
  29. 2017-10-06
    🔓
    Charge satisfied #4
  30. 2017-10-06
    🔓
    Charge satisfied #3
  31. 2017-10-06
    🔓
    Charge satisfied #1
  32. 2011-02-01
    🔒
    Charge registered #5
    Lender: Riverside Inverclyde
  33. 2010-03-25
    🔓
    Charge satisfied #2
  34. 2010-03-23
    🔒
    Charge registered #4
    Lender: Royal Bank of Scotland PLC
  35. 2010-03-05
    🔒
    Charge registered #3
    Lender: Royal Bank of Scotland PLC
  36. 2009-10-19
    🔒
    Charge registered #2
    Lender: Silverbrae Limited
  37. 2009-03-10
    ➕
    RODGER, Lucy Margaret appointed
    director
  38. 2007-03-30
    ➕
    RODGER, Mark Thomas appointed
    director
  39. 2007-03-20
    ➕
    RODGER, Mary Majella appointed
    director
  40. 2007-03-19
    ➖
    RODGER, Thomas Stephen resigned
    director
  41. 2004-04-01
    ➕
    RODGER, Mary Majella appointed
    secretary
  42. 2004-04-01
    ➖
    MCCLURE, Margaret resigned
    secretary
  43. 2004-03-31
    ➖
    MCCLURE, James Rox resigned
    director
  44. 2001-11-26
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland Commercial Services Limited
  45. 1999-11-03
    🏢
    Company incorporated
    As M & J BUILDERS MERCHANTS LIMITED
  46. 1999-11-03
    ➕
    MCCLURE, Margaret appointed
    secretary
  47. 1999-11-03
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  48. 1999-11-03
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  49. 1999-11-03
    ➕
    MCCLURE, James Rox appointed
    director
  50. 1999-11-03
    ➕
    RODGER, Thomas Stephen appointed
    director

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

73/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • secondary12+ year tenure: Director in role 19 years.
  • secondaryStable-but-static management: Company is 26 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 ·
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.

Group structure

M & J Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
M & J Group Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
M & J BUILDERS MERCHANTS LIMITED
This company · SC201280

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
M & J Group Limited
Corporate entity
75–100%
—75-100% shares25/10/2019
3 historic (ceased) PSCs
  • Miss Lucy Margaret Rodgerceased 25/10/2019· 25-50% shares
  • Mr Mark Thomas Rodgerceased 25/10/2019· 25-50% shares
  • Mrs Mary Majella Rodgerceased 25/10/2019· 75-100% shares

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
Incorporated1999-11-03
Jurisdictionscotland
Primary SIC99999 — SIC 99999

Registered office

150 Lynedoch Street
Greenock
PA15 4AJ

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-02
Last: 2025-09-18

Officers (4 active · 4 resigned)

RODGER, Mary Majella→
secretary · appointed 2004-04-01
View their other companies + combined net worth →
Active
RODGER, Lucy Margaret→
director · ~35y · appointed 2009-03-10
View their other companies + combined net worth →
Active
RODGER, Mark Thomas→
director · ~38y · appointed 2007-03-30
View their other companies + combined net worth →
Active
RODGER, Mary Majella→
director · ~64y · appointed 2007-03-20
View their other companies + combined net worth →
Active
MCCLURE, Margaret→
secretary · appointed 1999-11-03 · resigned 2004-04-01
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 1999-11-03 · resigned 1999-11-03
Resigned
MCCLURE, James Rox→
director · ~75y · appointed 1999-11-03 · resigned 2004-03-31
Resigned
RODGER, Thomas Stephen→
director · ~66y · appointed 1999-11-03 · resigned 2007-03-19
Resigned

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

Mortgages & charges

11
Total charges
3
Outstanding
1
Active lenders
Status:Lender:11 of 11 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property19/12/2019—
satisfied
Alexander Douglas / Marie Douglas
A registered charge1 property11/12/201929/12/2022
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property06/12/2019—
satisfied
NatWest Group
Rbs Invoice Finance LTD
A registered charge—04/12/201921/12/2023
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—02/12/2019—
satisfied
Alexander Douglas / Marie Douglas
A registered charge—02/12/201929/12/2022
satisfied
Riverside Inverclyde
Standard security1 property01/02/201125/10/2017
satisfied
Lloyds Banking Group
Royal Bank of Scotland PLC
Standard security1 property23/03/201006/10/2017
satisfied
Lloyds Banking Group
Royal Bank of Scotland PLC
Floating charge1 property05/03/201006/10/2017
satisfied
Silverbrae
Silverbrae Limited
Standard security1 property19/10/200925/03/2010
satisfied
Lloyds Banking Group
The Royal Bank of Scotland Commercial Services Limited
Floating charge1 property26/11/200106/10/2017
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (106 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-24
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-22
mortgage-satisfy-charge-full
mortgage · MR04
2023-12-21
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-15
mortgage-satisfy-charge-full
mortgage · MR04
2022-12-29
mortgage-satisfy-charge-full
mortgage · MR04
2022-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2021-11-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-05