M&CO SERVICES LIMITED
- · Oldest live charge 5.8y old — refinance window within 12 months
Opportunity 66/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: 2 insolvency-related filings on record. Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 5.8y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.8 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (61/100)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.
Recent activity
Corporate timeline (35 events)Click to expand
- 2025-05-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-05-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-02-15📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2024-02-13⚠️legacyinsolvency · CAP-SS
- 2024-02-09📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2024-02-09📄legacycapital · SH20
- 2024-02-09⚠️legacyinsolvency · CAP-SS
- 2024-02-09📄resolutionresolution · RESOLUTIONS
- 2023-10-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-10-27🔓Charge satisfied #3
- 2023-10-09📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-09-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-09-01🔓Charge satisfied #4
- 2023-08-21📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2023-07-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-01-16📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-01-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-12-30➖MILLER, Malcolm James Archibald resignedsecretary
- 2022-12-30➖SCOTT, Iain Henry resigneddirector
- 2022-11-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-11-22📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-02-10📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-01-17📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-04-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-04-23🔓Charge satisfied #2
- 2021-04-23🔓Charge satisfied #1
- 2021-03-12🔒Charge registered #4Lender: Huk 103 Limited
- 2021-03-12🔒Charge registered #3Lender: Huk 103 Limited
- 2020-08-14➕MILLER, Malcolm James Archibald appointedsecretary
- 2020-08-14🔒Charge registered #2Lender: Aurelius Finance Company Limited
- 2020-08-04➕SCOTT, Iain Henry appointeddirector
- 2020-08-04🔒Charge registered #1Lender: Aurelius Finance Company Limited
- 2020-05-22🏢Company incorporatedAs M&CO SERVICES LIMITED
- 2020-05-22➕MCGEOCH, Andrew John appointeddirector
- 2020-05-22➕MCGEOCH, Neil James 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.
- +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.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 high · 1 med ·Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2024-02-13: legacy; 2024-02-09: legacy
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Mackays Stores Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mackays Stores Group Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 22/05/2020 |
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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| WEST COAST CAPITAL HOLDINGS LIMITED→ SC190805 · est 1998 | — | — | — | 2 | 27y | 83 | 77y |
| WEST COAST CAPITAL PRESTVEN INVESTMENTS LIMITED→ SC298919 · est 2006 | — | — | £2 | — | 20y | 83 | 77y |
| ADAM WILSON & SONS (HOLDINGS) LIMITED→ SC230058 · est 2002 · no financials extracted | — | — | — | — | 24y | 82 | 86y |
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| ALBA PLANNING CONSULTANTS LIMITED→ SC157540 · est 1995 | — | — | £230.3k | — | 31y | 82 | 66y |
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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 | |||||
|---|---|---|---|---|---|---|
| satisfied | Huk 103 Huk 103 Limited | A registered charge | 1 property | 12/03/2021 | 01/09/2023 | |
| satisfied | Huk 103 Huk 103 Limited | A registered charge | 1 property | 12/03/2021 | 27/10/2023 | |
| satisfied | Aurelius Finance Company Aurelius Finance Company Limited | A registered charge | — | 14/08/2020 | 23/04/2021 | |
| satisfied | Aurelius Finance Company Aurelius Finance Company Limited | A registered charge | 1 property | 04/08/2020 | 23/04/2021 |