M8 RECOVERY LTD.

🌳Matureactive
SC313931 · ltd · incorporated 2006-12-28
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 May 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pursue
Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (83/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

6 live charges · 6 lenders · oldest 18.6y

35/100
too messy

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

  • · Oldest live charge is 18.6 years old — likely at or near maturity.
  • · 6 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
9 officers (3 active, 9 linked, 5 with DOB)
81
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
68 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0May 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-05-312024-05-31
Average employees21002100

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

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
  1. 2026-02-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-03-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-10-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2024-10-24
    🔓
    Charge satisfied #2
  5. 2024-10-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2024-10-21
    🔓
    Charge satisfied #4
  7. 2024-02-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-04-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-06-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2022-06-21
    🔓
    Charge satisfied #3
  11. 2022-02-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-06-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2021-05-17
    🔒
    Charge registered #6
    Lender: Bibby Factors Scotland Limited
  14. 2021-03-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-02-15
    📄
    second-filing-of-confirmation-statement-with-made-up-date
    confirmation-statement · RP04CS01
  16. 2021-02-08
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  17. 2020-01-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2020-01-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2020-01-06
    🔒
    Charge registered #5
    Lender: Bibby Invoice Discounting Limited
  20. 2019-02-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2018-05-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  22. 2018-05-11
    🔓
    Charge satisfied #1
  23. 2018-03-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2018-03-22
    🔒
    Charge registered #4
    Lender: Ultimate Finance Limited
  25. 2017-01-31
    ➖
    MCMANUS, Elizabeth resigned
    director
  26. 2014-09-03
    ➕
    MCMANUS, Alexander appointed
    director
  27. 2014-07-10
    ➖
    MCMANUS, Alexander resigned
    director
  28. 2014-07-10
    ➕
    MCMANUS, Elizabeth appointed
    director
  29. 2012-09-18
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  30. 2010-07-02
    🔒
    Charge registered #2
    Lender: Lombard North Central PLC
  31. 2010-01-19
    ➕
    MCMANUS, Alexander appointed
    director
  32. 2009-03-01
    ➖
    MCMANUS, Alexander resigned
    director
  33. 2008-01-01
    ➕
    MCMANUS, Jean appointed
    secretary
  34. 2008-01-01
    ➖
    MCMANUS, Elizabeth resigned
    secretary
  35. 2008-01-01
    ➕
    MCMANUS, Alexander appointed
    director
  36. 2007-10-04
    🔒
    Charge registered #1
    Lender: Rbs Invoice Finance Limited
  37. 2006-12-28
    🏢
    Company incorporated
    As M8 RECOVERY LTD.
  38. 2006-12-28
    ➕
    MCMANUS, Jean appointed
    director
  39. 2006-12-28
    ➕
    MCMANUS, Elizabeth appointed
    secretary
  40. 2006-12-28
    ➕
    BRIAN REID LTD. appointed
    corporate-nominee-secretary
  41. 2006-12-28
    ➖
    BRIAN REID LTD. resigned
    corporate-nominee-secretary
  42. 2006-12-28
    ➕
    STEPHEN MABBOTT LTD. appointed
    corporate-nominee-director
  43. 2006-12-28
    ➖
    STEPHEN MABBOTT LTD. resigned
    corporate-nominee-director

Owner dependency

91/100
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.
  • +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

79/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 19 years.
  • secondaryStable-but-static management: Company is 19 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.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Ms Jean Mcmanus
Individual · British · DOB 01/1964 · age 62
25–50%
—25-50% shares28/12/2016
Mr Alexander Mcmanus
Individual · British · DOB 11/1961 · age 65
25–50%
—25-50% shares28/12/2016

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
Incorporated2006-12-28
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

100 Penilee Road
Hillington
Glasgow
G52 4UW

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-01-11
Last: 2025-12-28

Officers (3 active · 6 resigned)

MCMANUS, Jean→
secretary · appointed 2008-01-01
View their other companies + combined net worth →
Active
MCMANUS, Alexander→
director · ~65y · appointed 2014-09-03
View their other companies + combined net worth →
Active
MCMANUS, Jean→
director · ~62y · appointed 2006-12-28
View their other companies + combined net worth →
Active
MCMANUS, Elizabeth→
secretary · appointed 2006-12-28 · resigned 2008-01-01
Resigned
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2006-12-28 · resigned 2006-12-28
Resigned
MCMANUS, Alexander→
director · ~65y · appointed 2010-01-19 · resigned 2014-07-10
Resigned
MCMANUS, Alexander→
director · ~65y · appointed 2008-01-01 · resigned 2009-03-01
Resigned
MCMANUS, Elizabeth→
director · ~36y · appointed 2014-07-10 · resigned 2017-01-31
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2006-12-28 · resigned 2006-12-28
Resigned

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

Mortgages & charges

6
Total charges
2
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Bibby Financial Services
Bibby Factors Scotland Limited
A registered charge—17/05/2021—
outstanding
Bibby Financial Services
Bibby Invoice Discounting Limited
A registered charge—06/01/2020—
satisfied
Ultimate Finance
Ultimate Finance Limited
A registered charge1 property22/03/201821/10/2024
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Floating charge1 property18/09/201221/06/2022
satisfied
Lombard North Central
Lombard North Central PLC
Marine mortgage1 property02/07/201024/10/2024
satisfied
NatWest Group
Rbs Invoice Finance Limited
Floating charge1 property04/10/200711/05/2018
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (68 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-06
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-24
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-17
mortgage-satisfy-charge-full
mortgage · MR04
2022-06-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-06-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-24