MCG RAIL LIMITED

🌳Matureactive
SC356959 · ltd · incorporated 2009-03-20
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 15.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: SIC 42120
Sector: Construction
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · 2 lenders · oldest 15.2y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 15.2 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (71/100)

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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
45 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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.

Key financials

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

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-31
Average employees300

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 (27 events)Click to expand
  1. 2025-11-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-06-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-06-05
    🔒
    Charge registered #4
    Lender: Tsb Bank PLC
  4. 2025-04-30
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2025-04-21
    🔒
    Charge registered #3
    Lender: Tsb Bank PLC
  6. 2024-07-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-08-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2023-08-29
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2023-08-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2023-08-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2023-08-17
    🔓
    Charge satisfied #2
  12. 2023-08-17
    🔓
    Charge satisfied #1
  13. 2023-03-31
    ➖
    MCGRAW, Donna resigned
    director
  14. 2022-09-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-08-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2020-07-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2019-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2018-08-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2017-08-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2016-09-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  21. 2016-04-06
    ➕
    MCGRAW, Sheila Anne appointed
    director
  22. 2016-04-06
    ➕
    MCGRAW, Donna appointed
    director
  23. 2011-03-31
    🔒
    Charge registered #2
    Lender: Lloyds Tsb Scotland PLC
  24. 2011-03-01
    🔒
    Charge registered #1
    Lender: Lloyds Tsb Scotland PLC
  25. 2009-03-20
    🏢
    Company incorporated
    As MCG RAIL LIMITED
  26. 2009-03-20
    ➕
    MCGRAW, Andrew appointed
    director
  27. 2009-03-20
    ➕
    MCGRAW, Robert 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 17 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

63/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • secondary12+ year tenure: Director in role 17 years.
  • secondaryStable-but-static management: Company is 17 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
Mr Andrew Mcgraw
Individual · British · DOB 02/1971 · age 55
——sig. influencesignificant influence20/03/2017
Mr Robert Mcgraw
Individual · British · DOB 01/1977 · age 49
——sig. influencesignificant influence20/03/2017

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

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£5.36M
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——1090038y8561y
OGILVIE CONSTRUCTION LIMITED→
SC069644 · est 1979
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——14646y9470y
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——5339y8864y
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————52y8384y
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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
Incorporated2009-03-20
Jurisdictionscotland
Primary SIC42120 — SIC 42120

Registered office

56 Woodlea Gardens
Bonnybridge
Falkirk
FK4 1DF

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-03
Last: 2026-03-20

Officers (3 active · 1 resigned)

MCGRAW, Andrew→
director · ~55y · appointed 2009-03-20
View their other companies + combined net worth →
Active
MCGRAW, Robert→
director · ~49y · appointed 2009-03-20
View their other companies + combined net worth →
Active
MCGRAW, Sheila Anne→
director · ~58y · appointed 2016-04-06
View their other companies + combined net worth →
Active
MCGRAW, Donna→
director · ~48y · appointed 2016-04-06 · resigned 2023-03-31
Resigned

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

Mortgages & charges

4
Total charges
2
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Lloyds Banking Group
Tsb Bank PLC
A registered charge1 property05/06/2025—
outstanding
Lloyds Banking Group
Tsb Bank PLC
A registered charge—21/04/2025—
satisfied
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Mortgage deed1 property31/03/201117/08/2023
satisfied
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Bond & floating charge1 property01/03/201117/08/2023
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (45 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-22
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-29
termination-director-company-with-name-termination-date
officers · TM01
2023-08-29
mortgage-satisfy-charge-full
mortgage · MR04
2023-08-17
mortgage-satisfy-charge-full
mortgage · MR04
2023-08-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-02
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-24