LORRAINE MACKAY PROPERTY LTD
Opportunity 71/100 (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
3 live charges · 3 lenders · oldest 1.5y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 1.5 years old — likely still in initial term.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (72/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-08-31 |
|---|---|
| Total assets | £22.7k |
| Current assets | £20.8k |
| Cash | £1.4k |
| Debtors | £19.4k |
| Net assets | £22.2k |
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
Corporate timeline (10 events)Click to expand
- 2025-05-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-15🔒Charge registered #3Lender: Mortgage Works (UK) PLC
- 2025-04-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-28🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2024-11-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-11🔒Charge registered #1Lender: Leeds Building Society
- 2023-08-19🏢Company incorporatedAs LORRAINE MACKAY PROPERTY LTD
- 2023-08-19➕MACKAY, Lorraine Louise appointeddirector
- 2023-08-19📄incorporation-companyincorporation · NEWINC
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 "MACKAY" — strong identity link between founder and business.
- +Young company: Only 2.7 years old — management layer unlikely to be developed.
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
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Lorraine Louise Mackay Individual · British · DOB 09/1978 · age 48 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 19/08/2023 |
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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|---|---|---|---|---|---|---|---|
| A & C MACDONALD LTD→ SC870855 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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| MKITH RENTALS LTD→ SC600373 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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10 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 | Mortgage Works (UK) Mortgage Works (UK) PLC | A registered charge | 1 property | 15/05/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 28/03/2025 | — | |
| outstanding | Leeds Building Society | A registered charge | 1 property | 11/11/2024 | — |