LOCHSIDE COTTAGES LIMITED

🌳Matureactive

SC023268 · ltd · incorporated 1945-05-01

Investment thesis

Property vehicle with a workable charge structure — clean refinance potential.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Dependent on title and valuation due diligence; standard property risks.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 45.1y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£263.0k

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Other holiday and other collective accommodation

Sector: Accommodation & food service

ALSO REGISTERED FOR

68209Other letting and operating of own or leased real estate

Investor take

Pursue

Asset-holding vehicle. Family succession underway — not a classic acquisition target.

Opportunity 83/100 (exceptional), bankability 85/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 45.1y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 45.1 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

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

Company profile

address, 2 SIC codes, incorporation date

100

Financials

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

10 officers (6 active, 10 linked, 8 with DOB)

Ownership & PSC

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

Director network

2 connected companies via shared directors

Filing history

111 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

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

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Positive net assets

Net assets £263,043

Net assets shrinking

Down £28,612 YoY

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£263k

↓ 9.8% YoY

Current Assets

£46k

↑ 10% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-03-31	2024-03-31
Total assets	£263.0k	£291.7k
Current assets	£46.0k	£41.7k
Net assets	£263.0k	£291.7k

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

🔒Filing-note intelligence

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

Last 30 days

filings

Last 90 days

filings

• 2 confirmation-statement

Last 180 days

filings

• 2 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (29 events)Click to expand

2025-12-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-27
➕
CAMERON, Hamish Angus Shane appointed
director
2024-03-27
➕
CAMERON, Jock Ewen Charles appointed
director
2024-03-27
➕
CAMERON, Lottie Maggie-Ann appointed
director
2024-03-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-12-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-01
➖
CADZOW, Tooti Elaine resigned
director
2023-09-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-03-27
📄
change-person-director-company-with-change-date
officers · CH01
2023-02-21
📄
capital-name-of-class-of-shares
capital · SH08
2023-02-20
📄
resolution
resolution · RESOLUTIONS
2022-12-07
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-19
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-12-19
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-02-23
🔓
Charge satisfied #2
2018-02-05
➖
CAMERON, Davina Anne resigned
director
2009-01-01
➕
CAMERON, Olive Margaret appointed
secretary
2009-01-01
➖
CAMERON, Davina Anne resigned
secretary
1995-09-29
➖
CAMERON, Ewen William resigned
director
1994-08-03
🔒
Charge registered #2
Lender: The Royal Bank of Scotland PLC
1991-01-25
➕
CAMERON, Olive Margaret appointed
director
1987-02-20
🔓
Charge satisfied #1
1981-04-23
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
1945-05-01
🏢
Company incorporated
As LOCHSIDE COTTAGES LIMITED

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

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 35 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 69 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

30/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS

primaryFamily succession underway: Not a takeover target — CAMERON, Hamish Angus Shane (same surname) appointed 2024-03-27. Pattern consistent with intra-family handover.
primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
primary20+ year tenure: Director in role 35 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.)

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr Angus James Cameron Individual · British · DOB 10/1957 · age 69	50–75%	50–75%	board control50-75% shares · 50-75% voting · board control	06/04/2016

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.

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Similar companies

Active · Hospitality · FK postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
DRUMOSSIE HOTEL LIMITED→ SC166906 · est 1996	£1.63M £1.22M–£2.03M	—	—	6400	29y	84	76y
BRUCE GROUP SCOTLAND LIMITED→ SC236976 · est 2002	—	—	£409.4k	—	23y	83	60y
LION & UNICORN HOTEL LIMITED→ SC202210 · est 1999	—	—	—	15	26y	83	64y
MONUMENT LEISURE PITTODRIE LIMITED→ SC368676 · est 2009	—	—	—	4200	16y	83	76y
BAR ALDO LIMITED→ SC312643 · est 2006	—	—	£20.6k	—	19y	82	62y
BLUENOTE RESTAURANT LTD.→ SC171302 · est 1997	—	—	£100.3k	—	29y	82	64y
CASTLE VIEW RETAIL LIMITED→ SC220895 · est 2001 · no financials extracted	—	—	—	—	24y	82	65y
ECOSSE LEISURE LIMITED→ SC196518 · est 1999	—	—	—	0	26y	82	73y
GJ ANDERSON LIMITED→ SC310102 · est 2006	—	—	£206.7k	—	19y	82	62y
LOCHEND CHALETS LTD.→ SC293939 · est 2005	—	—	£18.5k	—	20y	82	66y
MONUMENT LEISURE (HOLDINGS) LIMITED→ SC343464 · est 2008	—	—	—	301	17y	82	76y
OCEANWYND LIMITED→ SC305304 · est 2006	—	—	—	800	19y	82	75y

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

Incorporated1945-05-01

Jurisdictionscotland

Primary SIC55209 — Other holiday and other collective accommodation

Registered office

Dundhu

Lochearnhead

Perthsire

FK19 8PT

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-04-10

Last: 2026-03-27