LOCHALSH ESTATES LIMITED
🌳Matureactive
SC106710 · ltd · incorporated 1987-09-16
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 37.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
PursueActive trading company with a 79-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (93/100, director aged 79). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 37.6y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 37.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · 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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 6 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
117 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
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
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
- 2026-02-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-11-29📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-04-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-08-07🔓Charge satisfied #3
- 2018-07-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-07-23🔓Charge satisfied #2
- 2018-01-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-01-25📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2006-08-01➖PHILP, Brian Macpherson resigneddirector
- 2006-08-01➖PHILP, James resigneddirector
- 2004-04-08➕LIDDELL, John Story Colin appointeddirector
- 2004-04-08➖BERNARD, Deirdre resigneddirector
- 2003-05-09🔓Charge satisfied #1
- 2003-05-02🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2003-01-08🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2000-10-16➕LIDDELL, John Story Colin appointedsecretary
- 2000-10-16➖BLACKWELL, Stephen Anthony resignedsecretary
- 1995-10-05➕PHILP, Brian Macpherson appointeddirector
- 1994-04-01➖BRIAN MACPHERSON, Philip resigneddirector
- 1993-01-20➕BERNARD, Deirdre appointeddirector
- 1988-10-14🔒Charge registered #1Lender: Barclays Bank PLC
- 1987-09-16🏢Company incorporatedAs LOCHALSH ESTATES LIMITED
Owner dependency
83/100
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.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 79 — succession pressure is live.
Succession & seller-readiness
96/100
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 79 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 39 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
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
Towerwood Properties Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Towerwood Properties Ltd
Corporate parent · holds 75-100% shares · board control
⬇
LOCHALSH ESTATES LIMITED
This company · SC106710
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 |
|---|---|---|---|---|
Towerwood Properties Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 29/10/2024 |
1 historic (ceased) PSC
- Mr Stanley Bernardceased 29/10/2024· 75-100% shares
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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|---|---|---|---|---|---|---|---|
| MICHAEL'S 88 FASTFOOD LIMITED→ SC297829 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
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| MILLSTONE RESIDENTIAL LIMITED→ SC797878 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| MILVERTON PROPERTIES LIMITED→ SC099947 · est 1986 · no financials extracted | — | — | — | — | 39y | — | — |
| MIMOSA (NO.231) LIMITED→ SC091313 · est 1985 · no financials extracted | — | — | — | — | 41y | — | — |
| MJA PROPERTIES LIMITED→ SC824566 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| MJO PROPERTIES SCOTLAND LIMITED→ SC803895 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| MJW PROPERTY MANAGEMENT LIMITED→ SC842544 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ML CHAU LTD→ SC764445 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| MLB PROPERTIES LIMITED→ SC388810 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| MONTCLARE PROPERTY LTD→ SC736326 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| MONTFORD PROPERTY LIMITED→ SC768236 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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.
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
Incorporated1987-09-16
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
C/O Miller Beckett & Jackson
190 St Vincent Street
Glasgow
G2 5SP
Scotland
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-12-25
Last: 2025-12-11
Officers (3 active · 5 resigned)
LIDDELL, John Story Colin→
Activesecretary · appointed 2000-10-16
View their other companies + combined net worth →
Active
LIDDELL, John Story Colin→
Activedirector · ~69y · appointed 2004-04-08
View their other companies + combined net worth →
BLACKWELL, Stephen Anthony→
Resignedsecretary · resigned 2000-10-16
BERNARD, Deirdre→
Resigneddirector · ~76y · appointed 1993-01-20 · resigned 2004-04-08
BRIAN MACPHERSON, Philip→
Resigneddirector · ~70y · resigned 1994-04-01
PHILP, Brian Macpherson→
Resigneddirector · ~76y · appointed 1995-10-05 · resigned 2006-08-01
PHILP, James→
Resigneddirector · ~100y · resigned 2006-08-01
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 02/05/2003 | 07/08/2018 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 08/01/2003 | 23/07/2018 | |
| satisfied | Barclays Barclays Bank PLC | Standard security | 1 property | 14/10/1988 | 09/05/2003 |
Recent filings (117 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-31
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-12-02
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-29
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-11-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-01-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-19