MCINTOSH & ROBERTSON LIMITED
- · Oldest live charge 7.8y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 80/100. 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 (73/100).
Refinance opportunity
2 live charges · oldest 7.8y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 7.8 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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 | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £37.9k | £46.4k |
| Current assets | £80.8k | £172.0k |
| Cash | £34.9k | — |
| Debtors | £29.9k | £141.5k |
| Net assets | £-11.1k | £-24.1k |
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
- • 1 accounts
Corporate timeline (29 events)Click to expand
- 2026-01-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-07-30🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2021-01-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-07-23🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2017-11-28📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2017-07-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-12📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-06-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2017-06-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2017-06-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2016-07-21➕ROBERTSON, Derek appointeddirector
- 2016-07-21➕MCINTOSH, John Innes appointeddirector
- 2016-07-21➖MCINTOSH, John Innes resigneddirector
- 2016-07-21➖MCINTOSH, John Innes resigneddirector
- 2016-07-20➕ROBERTSON, Sally appointeddirector
- 2016-07-20➕ROBERTSON, Derek appointeddirector
- 2016-07-20➖ROBERTSON, Derek resigneddirector
- 2016-07-20➖ROBERTSON, Derek resigneddirector
- 2015-10-21🏢Company incorporatedAs MCINTOSH & ROBERTSON LIMITED
- 2015-10-21➕MCINTOSH, John Innes appointeddirector
- 2015-10-21➕ROBERTSON, Derek 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 "ROBERTSON" — strong identity link between founder and business.
- +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
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Derek Stewart Robertson Individual · British · DOB 11/1971 · age 55 | 25–50% | — | 25-50% shares | 20/07/2016 |
Mrs Sally Ann Robertson Individual · British · DOB 06/1968 · age 58 | 25–50% | — | 25-50% shares | 20/07/2016 |
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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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 (2 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 30/07/2021 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 23/07/2018 | — |