MCINTOSH PROPERTY LETTING LIMITED
Opportunity 66/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
8 live charges · 3 lenders · oldest 5.6y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.6 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
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 · accounting standard unknown| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Average employees | 100 | 100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 accounts
- • 1 accounts
Corporate timeline (34 events)Click to expand
- 2026-04-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-04-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-02-13🔓Charge satisfied #4
- 2025-01-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-14🔒Charge registered #8Lender: Leeds Building Society
- 2025-01-14🔒Charge registered #7Lender: Leeds Building Society
- 2024-10-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-08📄change-person-director-company-with-change-dateofficers · CH01
- 2024-06-03📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-06-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-04-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-29➖MCINTOSH, Darren resigneddirector
- 2024-04-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-10-25📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-10-25📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-10-25📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-06-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-07🔒Charge registered #6Lender: Aldermore Bank PLC
- 2023-04-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-04-13🔒Charge registered #5Lender: Aldermore Bank PLC
- 2023-02-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-29🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2021-01-28🔓Charge satisfied #2
- 2021-01-28🔓Charge satisfied #1
- 2021-01-27🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2020-12-02🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2020-10-01🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2020-07-09🏢Company incorporatedAs MCINTOSH PROPERTY LETTING LIMITED
- 2020-07-09➕MCINTOSH, Beth appointeddirector
- 2020-07-09➕MCINTOSH, Darren appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "MCINTOSH" — strong identity link between founder and business.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Beth Mcintosh Individual · British · DOB 03/1993 · age 33 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 03/06/2024 |
3 historic (ceased) PSCs
- Prime Construction Holdings Limitedceased 03/06/2024· 75-100% shares · 75-100% voting
- Mr Darren Mcintoshceased 11/10/2023· 25-50% shares · 25-50% voting · board control
- Miss Beth Scottceased 11/10/2023· 25-50% shares · 25-50% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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9 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 (1 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Leeds Building Society | A registered charge | 1 property | 14/01/2025 | — | |
| outstanding | Leeds Building Society | A registered charge | 1 property | 14/01/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 07/06/2023 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 13/04/2023 | — | |
| satisfied | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 29/01/2021 | 13/02/2025 | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 27/01/2021 | — | |
| satisfied | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 02/12/2020 | 28/01/2021 | |
| satisfied | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 01/10/2020 | 28/01/2021 |