ML INVESTMENTS LIMITED
Opportunity 78/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -35% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
2 live charges · oldest 15.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 15.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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 →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £913.1k | £854.0k |
| Current assets | £39.0k | £28.7k |
| Cash | £5.7k | £8.7k |
| Debtors | £33.3k | £20.0k |
| Net assets | £913.1k | £850.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (21 events)Click to expand
- 2025-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-17📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-29📄change-person-director-company-with-change-dateofficers · CH01
- 2021-10-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-11-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-08📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-10-02📄annual-return-company-with-made-up-dateannual-return · AR01
- 2014-11-17📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2011-03-15🔒Charge registered #2Lender: Clydesdale Bank PLC
- 2010-11-22🔒Charge registered #1Lender: Clydesdale Bank PLC
- 2010-07-29🏢Company incorporatedAs ML INVESTMENTS LIMITED
- 2010-07-29➕LACIOK, Richard Gavin appointedsecretary
- 2010-07-29➕LACIOK, Richard Gavin appointeddirector
- 2010-07-29➕MOZZACHIODI, Marco appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 16 years.
- secondaryStable-but-static management: Company is 16 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
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Richard Gavin Laciok Individual · British · DOB 11/1976 · age 50 | 75–100% | — | 75-100% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| MIANKOT LTD→ SC394442 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| MICHAEL'S 88 FASTFOOD LIMITED→ SC297829 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
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| MILINCIC CAPITAL LIMITED→ SC858561 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| MILLSTONE RESIDENTIAL LIMITED→ SC797878 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| MILVERTON PROPERTIES LIMITED→ SC099947 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| MIMOSA (NO.231) LIMITED→ SC091313 · est 1985 · no financials extracted | — | — | — | — | 41y | — | — |
| MJA PROPERTIES LIMITED→ SC824566 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| MJO PROPERTIES SCOTLAND LIMITED→ SC803895 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| MJW PROPERTY MANAGEMENT LIMITED→ SC842544 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ML CHAU LTD→ SC764445 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ML PROPERTY INVESTMENTS GLASGOW LTD→ SC835408 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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 →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
Registered office
Filing status
Officers (3 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC | Standard security | 1 property | 15/03/2011 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 22/11/2010 | — |