MCHARDY & LITTLEWOOD LIMITED
🌳Matureactive
SC315369 · ltd · incorporated 2007-01-26
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 2024
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 77/100 (strong), 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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
3 live charges · 3 lenders · oldest 18.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 18.9 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)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
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
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
60 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 2 | 200 |
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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-09-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-08-22📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-08-22📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-02-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-02-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-02-04🔓Charge satisfied #1
- 2025-01-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-13🔒Charge registered #3Lender: The Mortgage Works
- 2025-01-10🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2024-09-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-14➕MCHARDY, Sharon Taylor appointeddirector
- 2024-09-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-02-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-02-01➖LITTLEWOOD, Ross Michael resigneddirector
- 2023-09-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2007-06-22🔒Charge registered #1Lender: Paragon Mortgages Limited
- 2007-01-26🏢Company incorporatedAs MCHARDY & LITTLEWOOD LIMITED
- 2007-01-26➕MCHARDY, Ross Euan appointedsecretary
- 2007-01-26➕MCHARDY, Ross Euan appointeddirector
- 2007-01-26➕LITTLEWOOD, Ross Michael appointeddirector
Owner dependency
91/100
Critical — business is the founderThe 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 "MCHARDY" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
49/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 19 years.
- 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.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Sharon Taylor Mchardy Individual · Scottish · DOB 05/1971 · age 55 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 14/09/2024 |
Mr Ross Euan Mchardy Individual · British · DOB 07/1972 · age 54 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 26/01/2017 |
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 →Similar companies
Active · Property · AB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| SJMC PROPERTY LTD→ SC767624 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| SOLUTIONS SUBSEA LTD→ SC455552 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| SR DAVIDSON PROPERTY DEVELOPMENTS LTD→ SC390901 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| TABASS LTD.→ SC222547 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| THISTLE HOUSE PROPERTY MANAGEMENT LIMITED→ SC690926 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| THT MCBEY LTD→ SC569422 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| TIGH PROPERTIES LIMITED→ SC724676 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| TIME4 PROPERTY SERVICES LIMITED→ SC792734 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| TOORPROPS LIMITED→ SC795481 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| TORLUNDIE PROPERTY HOLDINGS LTD→ SC847457 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| TROUBADOUR MANAGEMENT LIMITED→ SC755847 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| TYRONE PETROLEUM CONSULTANTS LIMITED→ SC141414 · est 1992 · no financials extracted | — | — | — | — | 33y | — | — |
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
Incorporated2007-01-26
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Caimer Wood
Netherley
Stonehaven
Kincardineshire
AB39 3QL
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-02-09
Last: 2026-01-26
Officers (3 active · 1 resigned)
MCHARDY, Ross Euan→
Activesecretary · appointed 2007-01-26
View their other companies + combined net worth →
MCHARDY, Ross Euan→
Activedirector · ~54y · appointed 2007-01-26
View their other companies + combined net worth →
MCHARDY, Sharon Taylor→
Activedirector · ~55y · appointed 2024-09-14
View their other companies + combined net worth →
LITTLEWOOD, Ross Michael→
Resigneddirector · ~49y · appointed 2007-01-26 · resigned 2024-02-01
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
2
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works | A registered charge | 1 property | 13/01/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 10/01/2025 | — | |
| satisfied | Paragon Paragon Mortgages Limited | Standard security | 1 property | 22/06/2007 | 04/02/2025 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (60 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-03
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-01
change-person-secretary-company-with-change-date
officers · CH03
2025-08-22
change-person-director-company-with-change-date
officers · CH01
2025-08-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-21
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-15
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-02-08
mortgage-satisfy-charge-full
mortgage · MR04
2025-02-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-24
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-26
appoint-person-director-company-with-name-date
officers · AP01
2024-09-14
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-04
termination-director-company-with-name-termination-date
officers · TM01
2024-02-04