LOVAT INVESTMENTS LIMITED
🌳Matureactive
SC051988 · ltd · incorporated 1972-12-12
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 37.3y old — refinance window within 12 months
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Security dealing on own account
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 73/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
5 live charges · oldest 37.3y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 37.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (57/100)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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
13 officers (2 active, 13 linked, 7 with DOB)
81
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
133 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
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
77
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 (46 events)Click to expand
- 2026-04-23📄accounts-with-accounts-type-smallaccounts · AA
- 2025-05-21📄accounts-with-accounts-type-smallaccounts · AA
- 2025-05-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-05-06➕THOMSON, Angela appointeddirector
- 2024-04-10📄accounts-with-accounts-type-smallaccounts · AA
- 2023-05-04📄accounts-with-accounts-type-smallaccounts · AA
- 2022-12-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2022-08-26➖SHEPHERD, Iain Duncan resigneddirector
- 2022-08-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-06-06📄accounts-with-accounts-type-smallaccounts · AA
- 2021-07-07📄accounts-with-accounts-type-smallaccounts · AA
- 2020-11-27📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2020-06-11📄resolutionresolution · RESOLUTIONS
- 2020-03-19📄accounts-with-accounts-type-smallaccounts · AA
- 2020-01-31➕LOVAT, Simon appointeddirector
- 2020-01-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-02-27📄accounts-with-accounts-type-smallaccounts · AA
- 2019-02-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-04-30📄accounts-with-accounts-type-smallaccounts · AA
- 2016-07-12➖SHEPHERD, Lorraine Julia resignedsecretary
- 2014-08-28➖FRASER, Kim Ian Maurice, The Hon. resigneddirector
- 2014-02-01➖SHEPHERD, Iain Duncan resignedsecretary
- 2014-02-01➕SHEPHERD, Lorraine Julia appointedsecretary
- 2013-12-31➖FRASER, Malcolm resigneddirector
- 2002-05-14➕SHEPHERD, Iain Duncan appointeddirector
- 1997-01-08🔓Charge satisfied #4
- 1997-01-08🔓Charge satisfied #1
- 1996-12-27🔓Charge satisfied #3
- 1996-12-11🔓Charge satisfied #5
- 1994-06-16➖FOSTER, Giles Anthony resigneddirector
- 1994-05-10➖SHEPHERD, Iain Duncan resignedsecretary
- 1994-05-10➕FRASER, Kim Ian Maurice, The Hon. appointeddirector
- 1994-05-10➕FRASER, Malcolm appointeddirector
- 1994-03-26➖FRASER, Simon Augustine resigneddirector
- 1993-12-24🔒Charge registered #5Lender: The Royal Bank of Scotland PLC
- 1993-07-02➕SHEPHERD, Iain Duncan appointedsecretary
- 1993-07-02➖INNES & MACKAY LIMITED resignedcorporate-secretary
- 1993-06-04🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 1992-09-04🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 1990-07-09🔓Charge satisfied #2
- 1990-05-11➖WILSON, David Carment Reid resigneddirector
- 1989-02-06🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 1989-02-06🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1988-11-11➕INNES & MACKAY LIMITED appointedcorporate-secretary
- 1988-09-26➖WILSON, David Carment Reid resignedsecretary
- 1972-12-12🏢Company incorporatedAs LOVAT INVESTMENTS LIMITED
Owner dependency
73/100
High — earn-out structure requiredMaterial 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 name in company name: Company name contains director surname "LOVAT" — strong identity link between founder and business.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Lovat Estates Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Lovat Estates Limited
Corporate parent · holds 75-100% shares
⬇
LOVAT INVESTMENTS LIMITED
This company · SC051988
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 |
|---|---|---|---|---|
Lovat Estates Limited Corporate entity | 75–100% | — | 75-100% shares | 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.
See pricing →Similar companies
Active · Financial services · IV postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CHAPMAN OF INVERNESS LIMITED→ SC020899 · est 1939 | — | — | — | 400 | 87y | 82 | 77y |
| LEGGATTS FINANCIAL SERVICES LIMITED→ SC255061 · est 2003 | — | — | £38.1k | — | 22y | 81 | 73y |
| ARGYLL TRUSTEES LIMITED→ SC382862 · est 2010 | — | — | £1 | — | 15y | 80 | 84y |
| BLACK DOG FINANCIAL SERVICES LTD.→ SC265100 · est 2004 | — | — | £61.1k | — | 22y | 80 | 71y |
| CAMPBELL & MCCONNACHIE LIMITED→ SC314177 · est 2007 · no financials extracted | — | — | — | — | 19y | 80 | 63y |
| DALZIELS PRIVATE PERSONAL FINANCE LIMITED→ SC243222 · est 2003 | — | — | £142.9k | — | 23y | 80 | 61y |
| DUNDONNELL INVESTMENTS LIMITED→ SC226018 · est 2001 | — | — | — | 100 | 24y | 80 | 82y |
| ELMBRAE MORTGAGE & PENSIONS LTD.→ SC265582 · est 2004 | — | — | £100.0k | — | 22y | 80 | 62y |
| HUTCHESON FINANCIAL SERVICES LIMITED→ SC352018 · est 2008 | — | — | £11.6k | — | 17y | 80 | 65y |
| MACKENZIE TAYLOR WEALTH MANAGEMENT LTD.→ SC313079 · est 2006 | — | — | £107.3k | — | 19y | 80 | 64y |
| MUNRO & NOBLE FINANCIAL SERVICES LIMITED→ SC227417 · est 2002 | — | — | — | 0 | 24y | 80 | 66y |
| NORTHWAY FINANCE LIMITED→ SC075393 · est 1981 · no financials extracted | — | — | — | — | 44y | 80 | 84y |
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.
See pricing →Company details
Statusactive
Typeltd
Incorporated1972-12-12
Jurisdictionscotland
Primary SIC64991 — Security dealing on own account
Registered office
Lovat Estates Office
Station Road
Beauly
IV4 7DA
Scotland
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-11-05
Last: 2025-10-22
Officers (2 active · 11 resigned)
LOVAT, Simon→
Activedirector · ~49y · appointed 2020-01-31
View their other companies + combined net worth →
THOMSON, Angela→
Activedirector · ~49y · appointed 2025-05-06
View their other companies + combined net worth →
SHEPHERD, Iain Duncan→
Resignedsecretary · appointed 1993-07-02 · resigned 1994-05-10
SHEPHERD, Iain Duncan→
Resignedsecretary · resigned 2014-02-01
SHEPHERD, Lorraine Julia→
Resignedsecretary · appointed 2014-02-01 · resigned 2016-07-12
WILSON, David Carment Reid→
Resignedsecretary · resigned 1988-09-26
INNES & MACKAY LIMITED→
Resignedcorporate-secretary · appointed 1988-11-11 · resigned 1993-07-02
FOSTER, Giles Anthony→
Resigneddirector · ~99y · resigned 1994-06-16
FRASER, Kim Ian Maurice, The Hon.→
Resigneddirector · ~80y · appointed 1994-05-10 · resigned 2014-08-28
FRASER, Malcolm→
Resigneddirector · ~94y · appointed 1994-05-10 · resigned 2013-12-31
FRASER, Simon Augustine→
Resigneddirector · ~87y · resigned 1994-03-26
SHEPHERD, Iain Duncan→
Resigneddirector · ~63y · appointed 2002-05-14 · resigned 2022-08-26
WILSON, David Carment Reid→
Resigneddirector · resigned 1990-05-11
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 24/12/1993 | 11/12/1996 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 04/06/1993 | 08/01/1997 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Floating charge | 1 property | 04/09/1992 | 27/12/1996 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 06/02/1989 | 09/07/1990 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 06/02/1989 | 08/01/1997 |
Recent filings (133 total)
accounts-with-accounts-type-small
accounts · AA
2026-04-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-22
accounts-with-accounts-type-small
accounts · AA
2025-05-21
appoint-person-director-company-with-name-date
officers · AP01
2025-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-02
accounts-with-accounts-type-small
accounts · AA
2024-04-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-13
accounts-with-accounts-type-small
accounts · AA
2023-05-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2022-12-01
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-01
termination-director-company-with-name-termination-date
officers · TM01
2022-08-26
accounts-with-accounts-type-small
accounts · AA
2022-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-17
accounts-with-accounts-type-small
accounts · AA
2021-07-07
confirmation-statement-with-updates
confirmation-statement · CS01
2020-12-17