J & K MCNEILL LIMITED

🌳Matureactive
SC270043 · ltd · incorporated 2004-06-30
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 17.9y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Retail sale of carpets, rugs, wall and floor coverings in specialised stores
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 58). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 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

1 live charge · oldest 17.9y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 17.9 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (69/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
64 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.

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-31

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
1
filing
  • • 1 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-12-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-05-05
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  3. 2025-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-07-09
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  5. 2024-07-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2024-07-02
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  7. 2023-07-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-07-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2021-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2021-09-29
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  11. 2021-09-28
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  12. 2020-11-17
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  13. 2020-07-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2020-05-22
    📄
    second-filing-notification-of-a-person-with-significant-control
    persons-with-significant-control · RP04PSC01
  15. 2019-07-12
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  16. 2019-07-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2019-07-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2008-09-12
    🔒
    Charge registered #1
    Lender: Royal Bank of Scotland PLC
  19. 2004-06-30
    🏢
    Company incorporated
    As J & K MCNEILL LIMITED
  20. 2004-06-30
    ➕
    MCNEILL, Julian David appointed
    secretary
  21. 2004-06-30
    ➕
    MCNEILL, Julian David appointed
    director
  22. 2004-06-30
    ➕
    MCNEILL, Kerry appointed
    director
  23. 2004-06-30
    ➕
    FIRSTSCOTTISH SECRETARIES LIMITED appointed
    corporate-secretary
  24. 2004-06-30
    ➖
    FIRSTSCOTTISH SECRETARIES LIMITED resigned
    corporate-secretary
  25. 2004-06-30
    ➕
    FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED appointed
    corporate-director
  26. 2004-06-30
    ➖
    FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED resigned
    corporate-director

Owner dependency

99/100
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 "MCNEILL" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

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 58. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 22 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 Kerry Mcneill
Individual · British · DOB 06/1968 · age 58
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Julian David Mcneill
Individual · British · DOB 11/1968 · age 58
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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PRINGLE OF SCOTLAND LIMITED→
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——£14.2k—28y8269y
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———2621y8258y
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————18y8167y
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——£25.7k—23y8177y
NEW GREEN SHOP BERWICK LIMITED→
14742188 · est 2023 · no financials extracted
————3y——
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————3y——
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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
Incorporated2004-06-30
Jurisdictionscotland
Primary SIC47530 — Retail sale of carpets, rugs, wall and floor coverings in specialised stores

Registered office

55 Gillsland
Gillsland
Eyemouth
Berwickshire
TD14 5JF

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-07-14
Last: 2026-06-30

Officers (3 active · 2 resigned)

MCNEILL, Julian David→
secretary · appointed 2004-06-30
View their other companies + combined net worth →
Active
MCNEILL, Julian David→
director · ~58y · appointed 2004-06-30
View their other companies + combined net worth →
Active
MCNEILL, Kerry→
director · ~58y · appointed 2004-06-30
View their other companies + combined net worth →
Active
FIRSTSCOTTISH SECRETARIES LIMITED→
corporate-secretary · appointed 2004-06-30 · resigned 2004-06-30
Resigned
FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED→
corporate-director · appointed 2004-06-30 · resigned 2004-06-30
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
Standard security1 property12/09/2008—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (64 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-07-08
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-24
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-05-05
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-12
gazette-filings-brought-up-to-date
gazette · DISS40
2024-07-09
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-07
gazette-notice-compulsory
gazette · GAZ1
2024-07-02
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-11
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-06
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-30
gazette-filings-brought-up-to-date
gazette · DISS40
2021-09-29