MCG PROPERTIES LIMITED
🌳Matureactive
SC297086 · ltd · incorporated 2006-02-13
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 Dec 2025
Net worth
£111.8k
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
Investor take
PursueProperty-backed borrower with a 71-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (73/100, director aged 71). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -67% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
3 live charges · oldest 19.7y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 19.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (70/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
6 officers (4 active, 6 linked, 3 with DOB)
80
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
1 connected companies via shared directors
48
Filing history
59 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
83/100Exceptional
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £111,809
Net assets shrinking
Down £6,440 YoY
Cash draining
Cash down 67% YoY
Cash YoY
-67%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£3k
↓ 67% YoY
Net Worth
£112k
↓ 5.4% YoY
Current Assets
£3k
↓ 67% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Total assets | £111.8k | £118.2k |
| Current assets | £2.7k | £8.0k |
| Cash | £2.7k | £8.0k |
| Net assets | £111.8k | £118.2k |
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
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2026-01-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-12-23🔓Charge satisfied #3
- 2022-01-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-02-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-01-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-01-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-02-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-03-02📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-02-15📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-09-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2015-09-24🔓Charge satisfied #1
- 2006-09-29🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2006-09-06🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2006-08-22🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2006-02-13🏢Company incorporatedAs MCG PROPERTIES LIMITED
- 2006-02-13➕GUNN, Murdo Brims appointedsecretary
- 2006-02-13➕COCHRANE, Iain Murray appointeddirector
- 2006-02-13➕GUNN, Murdo Brims appointeddirector
- 2006-02-13➕MCCUSKER, James Anthony appointeddirector
- 2006-02-13➕FIRST SCOTTISH SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2006-02-13➖FIRST SCOTTISH SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2006-02-13➕FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED appointedcorporate-nominee-director
- 2006-02-13➖FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED resignedcorporate-nominee-director
Owner dependency
75/100
High — earn-out structure requiredMaterial 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 20 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 71 — succession pressure is live.
Succession & seller-readiness
90/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 20 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
🔒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 →Similar companies
Active · Property · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ARRAN PROPERTY COMPANY LTD→ SC854400 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARUNA PROPERTIES LTD→ SC762676 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ASSURED PROPERTY GROUP LTD→ SC733179 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AYRSHIRE LETTING AND SALES LTD→ SC488988 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| AYRSHIRE LETTING LTD→ SC800075 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AYRSHIRE PROPERTY HUB LTD→ SC880958 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BCD PROPERTY LIMITED→ SC730888 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BLUE FISH PROPERTY LTD→ SC824241 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BLUE WAVE SCOTLAND PROPERTY LTD→ SC767276 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BMAC PROPERTY SOLUTIONS LTD→ SC739773 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BONNIE ABODES LTD→ SC823028 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BOYD & SONS LTD→ SC737699 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2006-02-13
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
4 Shanter Place
Ayr
KA7 4RD
Scotland
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-02-16
Last: 2026-02-02
Officers (4 active · 2 resigned)
Active
COCHRANE, Iain Murray→
Activedirector · ~71y · appointed 2006-02-13
View their other companies + combined net worth →
GUNN, Murdo Brims→
Activedirector · ~68y · appointed 2006-02-13
View their other companies + combined net worth →
MCCUSKER, James Anthony→
Activedirector · ~70y · appointed 2006-02-13
View their other companies + combined net worth →
FIRST SCOTTISH SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2006-02-13 · resigned 2006-02-13
FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED→
Resignedcorporate-nominee-director · appointed 2006-02-13 · resigned 2006-02-13
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 29/09/2006 | 23/12/2022 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 06/09/2006 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 22/08/2006 | 24/09/2015 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (59 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-25
mortgage-satisfy-charge-full
mortgage · MR04
2022-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-08-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-11
accounts-with-accounts-type-micro-entity
accounts · AA
2020-08-13