MCMINNS PHARMACY LTD
No material changes in the last 30 days.
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Opportunity 70/100 (strong), bankability 62/100. 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
4 live charges · 3 lenders · oldest 3.0y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 3.0 years old — likely still in initial term.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (73/100)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.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2024-07-31 |
|---|---|
| Total assets | £63.8k |
| Current assets | £475.8k |
| Cash | £167.1k |
| Debtors | £254.3k |
| Net assets | £63.8k |
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
- • 5 mortgage
- • 5 mortgage
Corporate timeline (28 events)Click to expand
- 2026-04-11📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2026-04-11📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2026-03-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-26🔓Charge satisfied #2
- 2026-03-26🔓Charge satisfied #1
- 2026-03-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-18🔒Charge registered #4Lender: Bank of Scotland PLC
- 2025-08-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-08-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-05-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-05-08📄change-person-director-company-with-change-dateofficers · CH01
- 2025-01-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-20📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-09-04📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2023-09-16📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2023-09-16📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2023-09-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-31🔒Charge registered #3Lender: Lloyds Bank Commercial Finance Limited
- 2023-07-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-07-27📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-07-20🔒Charge registered #2Lender: Tsb Bank PLC
- 2023-07-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-07-07🔒Charge registered #1Lender: Tsb Bank PLC
- 2023-04-26🏢Company incorporatedAs MCMINNS PHARMACY LTD
- 2023-04-26➕PARAOUTY, Muhammad Naim appointeddirector
- 2023-04-26📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
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 ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
In2 Holding Ltd 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 |
|---|---|---|---|---|
In2 Holding Ltd Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 14/08/2025 |
2 historic (ceased) PSCs
- Mr Muhammad Naim Paraoutyceased 14/08/2025· 75-100% shares · 75-100% voting · board control
- Mrs Iqra Irfanceased 26/04/2023· 25-50% shares · 25-50% voting
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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|---|---|---|---|---|---|---|---|
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| SANDRO AND SONS LIMITED→ SC160375 · est 1995 | — | — | £17.0k | — | 30y | 82 | 64y |
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8 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 · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 18/03/2026 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank Commercial Finance Limited | A registered charge | — | 31/08/2023 | — | |
| satisfied | Lloyds Banking Group Tsb Bank PLC | A registered charge | — | 20/07/2023 | 26/03/2026 | |
| satisfied | Lloyds Banking Group Tsb Bank PLC | A registered charge | 1 property | 07/07/2023 | 26/03/2026 |