LOMOND CONSUMER FINANCE LTD

🏛️Establishedactive

12030127 · ltd · incorporated 2019-06-03

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

—

year to Jun 2025

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

3 officers (3 active, 3 linked, 2 with DOB)

Ownership & PSC

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

Director network

7 connected companies via shared directors

Filing history

14 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-06-30	2024-06-30

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (11 events)Click to expand

2025-08-21
📄
accounts-with-accounts-type-dormant
accounts · AA
2025-02-25
📄
accounts-with-accounts-type-dormant
accounts · AA
2024-03-20
📄
accounts-with-accounts-type-dormant
accounts · AA
2023-01-06
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-02-23
📄
accounts-with-accounts-type-dormant
accounts · AA
2021-06-01
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-06-03
🏢
Company incorporated
As LOMOND CONSUMER FINANCE LTD
2019-06-03
➕
BULLOCH, Gaynor Carruthers appointed
secretary
2019-06-03
➕
DOWDELLS, Stephen Morgan appointed
director
2019-06-03
➕
MURRAY, Craig William appointed
director
2019-06-03
📄
incorporation-company
incorporation · NEWINC

Owner dependency

73/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

56/100

Strong succession signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean

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

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr Craig William Murray Individual · Scottish · DOB 05/1958 · age 68	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	03/06/2019

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

Active · Financial services · CA postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
CALEDONIAN CONSUMER FINANCE LTD→ 07368004 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
DW 2020 LIMITED→ 12369622 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
EDWARD J GRICE WEALTH MANAGEMENT LTD→ 09111923 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
JAMES THORNLEY & SONS LIMITED→ 00332869 · est 1937 · no financials extracted	—	—	—	—	88y	—	—
JP BROKERS LIMITED→ 16999100 · est 2026 · no financials extracted	—	—	—	—	—	—	—
KESWICK WEALTH MANAGEMENT LIMITED→ 09489781 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
LEAP FINANCIAL PLANNING LTD→ 16744623 · est 2025 · no financials extracted	—	—	—	—	—	—	—
MEMW MANAGEMENT LIMITED→ 06758925 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
MYRETIREMENT LTD→ 09021399 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
N & D FINANCIALS LIMITED→ 14846583 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ON ONE 2 LTD→ 14852920 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
PALLISTERCO LIMITED→ 06023438 · est 2006 · no financials extracted	—	—	—	—	19y	—	—

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

🔒Tailored diligence questions

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.

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🔒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

Incorporated2019-06-03

Jurisdictionengland-wales

Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

Pacific House Fletcher Way

Parkhouse

Carlisle

CA3 0LJ

United Kingdom

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2027-06-16

Last: 2026-06-02

Officers (3 active · 0 resigned)

BULLOCH, Gaynor Carruthers→

secretary · appointed 2019-06-03

View their other companies + combined net worth →

Active

DOWDELLS, Stephen Morgan→

director · ~63y · appointed 2019-06-03

View their other companies + combined net worth →

Active

MURRAY, Craig William→

director · ~68y · appointed 2019-06-03

View their other companies + combined net worth →

Active

Click a director name to see their full track record across all companies.