M&Y HOLDINGS LIMITED
Opportunity 72/100 (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: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · oldest 0.2y
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.2 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (56/100)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
- • 2 mortgage
- • 2 mortgage
Corporate timeline (8 events)Click to expand
- 2026-03-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-19🔒Charge registered #2Lender: Bank of Scotland PLC
- 2026-03-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-13🔒Charge registered #1Lender: Bank of Scotland PLC
- 2025-10-16🏢Company incorporatedAs M&Y HOLDINGS LIMITED
- 2025-10-16➕ROARTY, Michael appointeddirector
- 2025-10-16➕ROARTY, Yu appointeddirector
- 2025-10-16📄incorporation-companyincorporation · NEWINC
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.
- +Young company: Only 0.6 years old — management layer unlikely to be developed.
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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Michael Roarty Individual · British · DOB 04/1983 · age 43 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 16/10/2025 |
Mrs Yu Roarty Individual · British · DOB 08/1982 · age 44 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 16/10/2025 |
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
Active · Property · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| S.M. PROPERTIES (SCOTLAND) LIMITED→ SC359990 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| SIMPSON-BROWN LIMITED→ SC036999 · est 1961 · no financials extracted | — | — | — | — | 64y | — | — |
| SKYE VIEW LTD→ SC649555 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| SL PROPERTY INVESTING LTD→ SC867467 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SMART MOVE LETTING MANAGEMENT LTD→ SC333608 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| SMART PROPERTY LETTINGS LTD→ SC810476 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| SMAT LTD→ SC505350 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| SMD PROPERTY PORTFOLIO LTD→ SC799952 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| SNAPSHOT PROPERTY INSPECTION LTD→ SC673673 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| SNDS ENTERPRISE LIMITED→ SC778779 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| SNOOKS PROPERTY GROUP LIMITED→ SC877555 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| SNOWBALL PROPERTIES LTD→ SC750544 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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 (2 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 | 1 property | 19/03/2026 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 13/03/2026 | — |