WILLIAM MCGREGOR & SON LIMITED
- · Oldest live charge 5.9y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 5.9y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 300 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 signals 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
- • 1 accounts
- • 1 accounts
Corporate timeline (28 events)Click to expand
- 2026-03-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-12-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-10-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-18🔓Charge satisfied #1
- 2024-10-14🔒Charge registered #2Lender: The Agricultural Mortgage Corporation PLC
- 2024-06-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-06-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-06-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-06-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-06-27📄capital-allotment-sharescapital · SH01
- 2024-06-24➕MCGREGOR, Andrew appointeddirector
- 2023-12-21📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-12-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-02-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-03-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-07-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-06-28🔒Charge registered #1Lender: Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
- 2019-12-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-06-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-06-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-06-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-05-31➖MCGREGOR, Marion Ferguson resigneddirector
- 2019-05-31➖MCGREGOR, William Vernon resigneddirector
- 2013-03-20🏢Company incorporatedAs WILLIAM MCGREGOR & SON LIMITED
- 2013-03-20➕MCGREGOR, Alistair William appointeddirector
- 2013-03-20➕MCGREGOR, Marion Ferguson appointeddirector
- 2013-03-20➕MCGREGOR, William Vernon appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +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 "MCGREGOR" — strong identity link between founder and business.
- +Founder age: Director aged approximately 68 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- primaryFamily succession underway: Not a takeover target — MCGREGOR, Andrew (same surname) appointed 2024-06-24. Pattern consistent with intra-family handover.
- primaryFounder aged 63+: Senior director is approximately 68. 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 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Mcgregor Individual · British · DOB 05/1993 · age 33 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 24/06/2024 |
Mr William Alistair Mcgregor Individual · British · DOB 04/1958 · age 68 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 07/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 (2 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Agricultural Mortgage Corporation The Agricultural Mortgage Corporation PLC | A registered charge | 1 property | 14/10/2024 | — | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111) | A registered charge | — | 28/06/2020 | 18/10/2024 |