JLMMCG LIMITED
- · Oldest live charge 6.9y old — refinance window within 12 months
Opportunity 74/100 (strong), bankability 85/100. 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 (58/100).
Refinance opportunity
2 live charges · oldest 6.9y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 6.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · 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 | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Average employees | 2 | 200 |
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 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (25 events)Click to expand
- 2026-02-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-29📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-29📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-02-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-02-18🔓Charge satisfied #2
- 2025-02-18🔓Charge satisfied #1
- 2023-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-26📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2021-10-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-19📄capital-allotment-sharescapital · SH01
- 2020-08-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-08-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-08-26🔒Charge registered #2Lender: Barclays Security Trustee Limited
- 2019-07-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-06-13🔒Charge registered #1Lender: Barclays Security Trustee Limited
- 2019-04-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-03-22🏢Company incorporatedAs JLMMCG LIMITED
- 2019-03-22➕LOVELL, Jane Margaret appointeddirector
- 2019-03-22➕MCGINLEY, Martyn 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.
- +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- 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 |
|---|---|---|---|---|
Miss Jane Margaret Lovell Individual · British · DOB 05/1988 · age 38 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 22/03/2019 |
Mr Martyn Mcginley Individual · British · DOB 11/1989 · age 37 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 22/03/2019 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Barclays Barclays Security Trustee Limited | A registered charge | 1 property | 26/08/2019 | 18/02/2025 | |
| satisfied | Barclays Barclays Security Trustee Limited | A registered charge | — | 13/06/2019 | 18/02/2025 |