LLOYD LIMITED
🌳Matureactive
00786404 · ltd · incorporated 1964-01-01
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: SIC 46610
Sector: Wholesale & retail
Investor take
PursueActive trading company with a 74-year-old founder — textbook succession opportunity.
Opportunity 73/100 (strong), bankability 57/100. Strong seller-intent signal (68/100, director aged 74). Biggest value-creation lever: Consolidate lender relationships. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
18 live charges · 9 lenders · oldest 62.3y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 62.3 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (60/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
18 charges (18/18 with lender, 18/18 with type)
90
Directors & officers
10 officers (3 active, 10 linked, 6 with DOB)
82
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
149 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (57 events)Click to expand
- 2026-05-04📄accounts-with-accounts-type-fullaccounts · AA
- 2025-09-22📄accounts-with-accounts-type-fullaccounts · AA
- 2025-03-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-03-14🔓Charge satisfied #14
- 2024-09-23📄accounts-with-accounts-type-fullaccounts · AA
- 2023-09-18📄accounts-with-accounts-type-fullaccounts · AA
- 2023-09-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2022-09-07📄accounts-with-accounts-type-fullaccounts · AA
- 2022-07-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-06-29🔒Charge registered #18Lender: Barclays Bank PLC
- 2022-01-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-01-27🔓Charge satisfied #8
- 2021-09-03➖LLOYD, Beryl resigneddirector
- 2021-09-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-08-11📄accounts-with-accounts-type-fullaccounts · AA
- 2021-02-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-01-01➕LLOYD, George Carter appointeddirector
- 2020-09-11📄accounts-with-accounts-type-groupaccounts · AA
- 2020-01-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-01-09🔒Charge registered #17Lender: Lombard North Central PLC
- 2019-08-16📄accounts-with-accounts-type-groupaccounts · AA
- 2019-07-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-07-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-07-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2019-07-09🔒Charge registered #16Lender: Barclays Bank PLC
- 2019-07-09🔒Charge registered #15Lender: Barclays Bank PLC
- 2019-07-05➕VERRY, Samuel appointedsecretary
- 2019-07-02🔓Charge satisfied #9
- 2019-06-26➖WOOLGAR, Howard Thomas resignedsecretary
- 2019-06-26➖LLOYD, Bryan resigneddirector
- 2019-06-26🔒Charge registered #14Lender: Barclays Bank PLC
- 2019-06-26🔒Charge registered #13Lender: Barclays Bank PLC
- 2019-06-26🔒Charge registered #12Lender: Barclays Bank PLC
- 2019-06-26🔒Charge registered #11Lender: Barclays Bank PLC
- 2015-03-19🔓Charge satisfied #7
- 2015-03-19🔓Charge satisfied #2
- 2015-02-05🔒Charge registered #10Lender: Barclays Bank PLC
- 2015-02-02🔒Charge registered #9Lender: Barclays Bank PLC
- 2014-04-28🔒Charge registered #8Lender: Barclays Mercantile Business Finance Limited
- 2013-11-06🔓Charge satisfied #5
- 2013-11-06🔓Charge satisfied #3
- 2013-08-20🔒Charge registered #7Lender: Hsbc Bank PLC
- 2012-11-14🔒Charge registered #6Lender: Lombard North Central PLC
- 2011-10-18➖LLOYD, Ralph Conrad resigneddirector
- 2008-01-01➕WOOLGAR, Howard Thomas appointedsecretary
- 2007-12-31➖MCGETTIGAN, David Frederick resignedsecretary
- 2004-12-09🔒Charge registered #5Lender: Ing Lease (UK) LTD
- 1999-06-29🔓Charge satisfied #4
- 1996-07-26🔓Charge satisfied #1
- 1996-07-04🔒Charge registered #4Lender: John Deere Limited
Showing most recent 50 of 57 events
Owner dependency
96/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "LLOYD" — strong identity link between founder and business.
- +Founder age: Director aged approximately 74 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
76/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 74 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 63 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
9 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Lloyd Tractor Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Lloyd Tractor Group Limited
Corporate parent · holds 75-100% shares · board control
⬇
LLOYD LIMITED
This company · 00786404
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 |
|---|---|---|---|---|
Lloyd Tractor Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 26/06/2019 |
2 historic (ceased) PSCs
- Mr Bryan Lloydceased 26/06/2019· significant influence
- Mr John Barry Lloydceased 26/06/2019· significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
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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|---|---|---|---|---|---|---|---|
| H.A.C AGRI SERVICES LIMITED→ 10286017 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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| I'M BIOTECHNOLOGY LIMITED→ 16696838 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| JAZZPOWER LIMITED→ 03778112 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| JOHNSTON EXCAVATORS LTD→ 11632442 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| K-TEC SYSTEMS LTD→ 13508542 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| KEVCO WHOLESALE LIMITED→ 06626753 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| KUHL EUROPE LTD→ 06042180 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| LAKES HOSPITALITY SERVICES LIMITED→ 12303961 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| LASH GLAMOR LTD→ 14198134 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| LOGIC BUSINESS SYSTEMS LIMITED→ 02059640 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| LOWTHIAN LIMITED→ 16363629 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒Advanced scoring suite
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
Statusactive
Typeltd
Incorporated1964-01-01
Jurisdictionengland-wales
Primary SIC46610 — SIC 46610
Registered office
Kingstown Broadway
Kingstown Indl. Trading Est
Carlisle
CA3 0EF
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-12-20
Last: 2025-12-06
Officers (3 active · 7 resigned)
Active
LLOYD, George Carter→
Activedirector · ~36y · appointed 2021-01-01
View their other companies + combined net worth →
Active
LLOYD, Beryl→
Resignedsecretary · resigned 1996-03-01
MCGETTIGAN, David Frederick→
Resignedsecretary · appointed 1996-03-01 · resigned 2007-12-31
WOOLGAR, Howard Thomas→
Resignedsecretary · appointed 2008-01-01 · resigned 2019-06-26
LLOYD, Beryl→
Resigneddirector · ~94y · resigned 2021-09-03
LLOYD, Bryan→
Resigneddirector · ~70y · resigned 2019-06-26
LLOYD, Ralph Conrad→
Resigneddirector · ~100y · resigned 2011-10-18
LLOYD, Tracy Ann→
Resigneddirector · ~62y · resigned 1993-06-11
Click a director name to see their full track record across all companies.
Mortgages & charges
18
Total charges
9
Outstanding
2
Active lenders
Status:Lender:18 of 18 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 29/06/2022 | — | |
| outstanding | Lombard North Central Lombard North Central PLC | A registered charge | — | 09/01/2020 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 09/07/2019 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | 5 properties | 09/07/2019 | — | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | 1 property | 26/06/2019 | 14/03/2025 | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 26/06/2019 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 26/06/2019 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 26/06/2019 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 05/02/2015 | — | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | — | 02/02/2015 | 02/07/2019 | |
| satisfied | Barclays Barclays Mercantile Business Finance Limited | A registered charge | — | 28/04/2014 | 27/01/2022 | |
| satisfied | HSBC Hsbc Bank PLC | A registered charge | 1 property | 20/08/2013 | 19/03/2015 | |
| outstanding | Lombard North Central Lombard North Central PLC | Charge over sub-hire agreements | 1 property | 14/11/2012 | — | |
| satisfied | Ing Lease (UK) Ing Lease (UK) LTD | Assignment | 1 property | 09/12/2004 | 06/11/2013 | |
| satisfied | John Deere John Deere Limited | Standard security dated 22ND may 1996 and presented for registration in scotland 4TH july 1996 | 1 property | 04/07/1996 | 29/06/1999 | |
| satisfied | Ing Farm Finance Ing Farm Finance Limited | Assignment | 1 property | 05/03/1996 | 06/11/2013 | |
| satisfied | Midland Bank Midland Bank PLC | Fixed and floating charge | 2 properties | 19/01/1995 | 19/03/2015 | |
| satisfied | Midland Bank | Charge | 1 property | 31/03/1964 | 26/07/1996 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (149 total)
accounts-with-accounts-type-full
accounts · AA
2026-05-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-08
accounts-with-accounts-type-full
accounts · AA
2025-09-22
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-08
accounts-with-accounts-type-full
accounts · AA
2024-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-06
accounts-with-accounts-type-full
accounts · AA
2023-09-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-09-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-06
accounts-with-accounts-type-full
accounts · AA
2022-09-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-07-01
mortgage-satisfy-charge-full
mortgage · MR04
2022-01-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-06
termination-director-company-with-name-termination-date
officers · TM01
2021-09-03