LAUDERDALE AND LOTHIANS TRUST LIMITED
- · Oldest live charge 44.7y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 65/100. Strong seller-intent signal (68/100, director aged 75). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 4 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 44.7y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 44.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 200 | 200 |
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 (20 events)Click to expand
- 2025-08-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2022-08-08📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-09-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-08-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-11-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-08-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-09-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-04-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-12-15📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-09-29📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 1998-04-15🔒Charge registered #4Lender: The Governor and Company of the Bank of Scotland
- 1989-01-19🔒Charge registered #3Lender: The Governor and Company of the Bank of Scotland.
- 1984-01-11🔒Charge registered #2Lender: The Governor and Company of the Bank of Scotland
- 1981-08-20🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 1945-08-24🏢Company incorporatedAs LAUDERDALE AND LOTHIANS TRUST LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 75 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 81 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanGroup structure
Gateway Finance 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 |
|---|---|---|---|---|
Gateway Finance Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/07/2022 |
1 historic (ceased) PSC
- Mr John Haddon Lovettceased 30/07/2022· 75-100% shares
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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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 (3 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Debenture | 1 property | 15/04/1998 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland. | Letter of offset | 1 property | 19/01/1989 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Letter of charge | 1 property | 11/01/1984 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Debenture | 1 property | 20/08/1981 | — |