J. & A. MCKENZIE, LIMITED
- · Oldest live charge 48.2y old — refinance window within 12 months
- 47290Other retail sale of food in specialised stores
- 56102Unlicenced restaurants and cafes
Opportunity 71/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 6 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
6 live charges · oldest 48.2y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 48.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: low (54/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 confirmation-statement
Corporate timeline (43 events)Click to expand
- 2025-07-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-07-31➖HANNIGAN, Richard Thomas resigneddirector
- 2023-06-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-11➕MONCREIFFE, Euan appointeddirector
- 2023-05-11➕MONCREIFFE, Fiona appointeddirector
- 2022-12-01📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2022-12-01📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-11-30➕MONCREIFFE, Euan appointedsecretary
- 2022-11-30➖MONCREIFFE, Miranda Mary resignedsecretary
- 2022-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-14📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2020-10-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2019-06-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-06-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2008-12-22➖HANNIGAN, Richard Thomas resignedsecretary
- 2008-01-17➕MONCREIFFE, Miranda Mary appointedsecretary
- 2008-01-17➖MCCASH & HUNTER resignedcorporate-secretary
- 2008-01-04🔒Charge registered #6Lender: Clydesdale Bank Public Limited Company
- 2008-01-04🔒Charge registered #5Lender: Clydesdale Bank Public Limited Company
- 2008-01-04🔒Charge registered #4Lender: Clydesdale Bank Public Limited Company
- 2008-01-04🔒Charge registered #3Lender: Clydesdale Bank Public Limited Company
- 2007-12-12➕HANNIGAN, Richard Thomas appointedsecretary
- 2007-12-12➖MCKENZIE, Joanna Janet resignedsecretary
- 2007-12-12➕MCCASH & HUNTER appointedcorporate-secretary
- 2007-12-12➕HANNIGAN, Richard Thomas appointeddirector
- 2007-12-12➖MACKAY, Angus Ruadh resigneddirector
- 2007-12-12➖MCKENZIE, Joanna Janet resigneddirector
- 2007-12-12🔒Charge registered #2Lender: Clydesdale Bank Public Limited Company
- 2000-07-12➖MCKENZIE, Norman Drummond resigneddirector
- 1996-02-06➕MCKENZIE, Joanna Janet appointedsecretary
- 1996-02-06➖MCKENZIE, Norman Drummond resignedsecretary
- 1996-02-06➕MACKAY, Angus Ruadh appointeddirector
- 1996-02-06➕MCKENZIE, Joanna Janet appointeddirector
- 1993-07-19➖MCKENZIE, Norman Donald resigneddirector
- 1978-02-13🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 1926-02-23🏢Company incorporatedAs J. & A. MCKENZIE, LIMITED
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.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 100 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Mckenzie Holdings Limited 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 |
|---|---|---|---|---|
Mckenzie Holdings Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 05/03/2020 |
1 historic (ceased) PSC
- The Honorable Peregrine David Euan Malcolm Moncrieffeceased 05/03/2020· 75-100% shares · 75-100% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 (3 active · 10 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 04/01/2008 | — | |
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 04/01/2008 | — | |
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 04/01/2008 | — | |
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 04/01/2008 | — | |
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 12/12/2007 | — | |
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 13/02/1978 | — |