MCG RENOVATIONS LTD

🌿Early-stageactive
SC721121 · ltd · incorporated 2022-01-26
Investment thesis
Unencumbered property vehicle — clean asset-backed target with refinance headroom.
Why interesting: Property-holding entity with no live charges; straightforward asset-backed case.
Why risky: Values depend on title and valuation; property-specific market exposure.
🔒Estimated value
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Turnover
year to Jan 2025
Net worth
£-10.8k
book net assets
Opportunity
71/100
Strong
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 71/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).

Data confidence

Overall: medium (78/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
9 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Negative net assets
Liabilities exceed assets by £10,841
Net assets shrinking
Down £21,865 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
-£11k
↓ 198% YoY
Current Assets
£280k
↓ 10% YoY
Current Liabilities
-£11k£54k£119k£184k£248k£313kJan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-01-312024-01-31
Total assets£-10.8k£11.0k
Current assets£280.5k£313.3k
Net assets£-10.8k£11.0k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
1
filing
  • 1 confirmation-statement
Last 180 days
1
filing
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (7 events)Click to expand
  1. 2025-10-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-10-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-10-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-01-26
    🏢
    Company incorporated
    As MCG RENOVATIONS LTD
  5. 2022-01-26
    MCGRATH, Amanda Louise appointed
    director
  6. 2022-01-26
    MCGRATH, Paul James appointed
    director
  7. 2022-01-26
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

66/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +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

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Paul James Mcgrath
Individual · British · DOB 05/1984 · age 42
2550%
25–50%board control25-50% shares · 25-50% voting · board control26/01/2022
Mrs Amanda Louise Mcgrath
Individual · British · DOB 08/1985 · age 41
2550%
25–50%board control25-50% shares · 25-50% voting · board control26/01/2022

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒Advanced scoring suite

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.

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Company details

Statusactive
Typeltd
Incorporated2022-01-26
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

Millbuies Cottage
Longmorn
Elgin
IV30 8RJ
Scotland

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-02-21
Last: 2026-02-07

Officers (2 active · 0 resigned)

MCGRATH, Amanda Louise
director · ~41y · appointed 2022-01-26
View their other companies + combined net worth →
Active
MCGRATH, Paul James
director · ~42y · appointed 2022-01-26
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Recent filings (9 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-11
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-17
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-15
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-14
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-13
confirmation-statement-with-updates
confirmation-statement · CS01
2022-02-07
incorporation-company
incorporation · NEWINC
2022-01-26