LORAC (1998) LIMITED

🌳Matureactive

03581576 · ltd · incorporated 1998-06-15

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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

Lenders & charges

Confirmed no charges registered

Directors & officers

21 officers (5 active, 21 linked, 14 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

20 connected companies via shared directors

Filing history

136 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Recent activity

Last 30 days

filing

• 1 officers

Last 90 days

filing

• 1 officers

Last 180 days

filing

• 1 officers

Counts from Companies House filing history.

Corporate timeline (59 events)Click to expand

2026-05-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-05-18
➕
PRIOR, Ruth Catherine appointed
director
2025-08-08
📄
change-person-director-company-with-change-date
officers · CH01
2025-07-10
📄
accounts-with-accounts-type-dormant
accounts · AA
2024-09-26
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-09-26
📄
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2024-09-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-08-31
➖
JONES, Adam Maxwell resigned
director
2024-08-29
📄
accounts-with-accounts-type-dormant
accounts · AA
2023-12-19
➕
THOMPSON, Rachel Clare appointed
director
2023-12-19
➕
WOODS, Edward Garton appointed
director
2023-12-19
➖
JACKSON, William Nicholas resigned
director
2023-12-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-12-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-12-19
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-07-26
📄
accounts-with-accounts-type-dormant
accounts · AA
2023-01-20
📄
change-person-director-company-with-change-date
officers · CH01
2022-09-30
📄
change-person-secretary-company-with-change-date
officers · CH03
2022-09-29
📄
accounts-with-accounts-type-dormant
accounts · AA
2022-09-20
📄
change-person-director-company-with-change-date
officers · CH01
2022-09-15
📄
change-person-director-company-with-change-date
officers · CH01
2022-09-15
📄
change-person-director-company-with-change-date
officers · CH01
2022-09-12
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-06-23
📄
change-person-director-company-with-change-date
officers · CH01
2022-03-10
➖
GUNNER, Paul Richard resigned
director
2022-03-10
➕
JONES, Adam Maxwell appointed
director
2022-03-10
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-03-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-10-05
➕
MODY, Scott Thomas Kumar appointed
secretary
2020-10-05
➖
THOMPSON, Rachel Clare resigned
secretary
2013-10-16
➖
GIBBONS, Alastair Ronald resigned
director
2013-01-02
➕
GUNNER, Paul Richard appointed
director
2012-12-31
➖
FREEMAN, Benjamin Elliot resigned
director
2010-03-31
➕
GIBBONS, Alastair Ronald appointed
director
2010-01-26
➖
HANKIN, David Marsh resigned
secretary
2010-01-26
➕
THOMPSON, Rachel Clare appointed
secretary
2007-12-11
➖
SHAW, David Robert resigned
director
2005-06-09
➕
HUGHES, Jonathan Raoul appointed
director
2005-06-09
➖
HARFORD, Mark John resigned
director
2003-01-09
➕
HARFORD, Mark John appointed
director
2002-09-23
➕
HANKIN, David Marsh appointed
secretary
2002-09-23
➖
LAWSON, Barry resigned
secretary
2002-09-23
➕
FREEMAN, Benjamin Elliot appointed
director
2002-09-23
➖
HALLIGAN, Anthony Patrick resigned
director
2002-02-05
➕
HALLIGAN, Anthony Patrick appointed
director
2002-02-04
➕
JACKSON, William Nicholas appointed
director
2002-01-31
➖
CHURCHMAN, Keith Howard resigned
director
2001-09-07
➖
MCCANN, Christopher Conor resigned
director
2000-03-24
➕
LAWSON, Barry appointed
secretary
2000-03-24
➖
NICHOLSON, Ruth resigned
secretary

Showing most recent 50 of 59 events

Owner dependency

58/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

60/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Bridgepoint Advisers Holdings is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Bridgepoint Advisers Holdings

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

LORAC (1998) LIMITED

This company · 03581576

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
Bridgepoint Advisers Holdings Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	13/09/2024

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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4TALL TREES LIMITED→ 13922681 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
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ABBEY LENDING I LIMITED→ 14260381 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
ABINGER CAPITAL LIMITED→ 09081126 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
ABSOLUTE GLOBAL SOLUTIONS LIMITED→ 04275915 · est 2001 · no financials extracted	—	—	—	—	24y	—	—
ABT CAPITAL LIMITED→ 10651236 · est 2017 · no financials extracted	—	—	—	—	9y	—	—
ABYNIX LTD→ 07740228 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
ABYSSINIA BUSINESS GROUP LTD→ 17088597 · est 2026 · no financials extracted	—	—	—	—	—	—	—
ACAI FINANCE LTD→ 14459453 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
ACALTON LIMITED→ 14141810 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
ACANTHUS CAPITAL LIMITED→ 09125604 · est 2014 · no financials extracted	—	—	—	—	11y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

6 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.

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Company details

Statusactive

Typeltd

Incorporated1998-06-15

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

5 Marble Arch

London

W1H 7EJ

United Kingdom

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-06-30

Last: 2025-06-16