OBAN PORT USERS LIMITED
- · Oldest live charge 26.2y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 26.2y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 26.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Average employees | 200 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 accounts
- • 1 accounts
Corporate timeline (36 events)Click to expand
- 2026-04-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-08-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-04-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-04-14📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2021-04-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-04-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-01-04➕KNIGHT, Paul Daniel appointeddirector
- 2021-01-04➖HOPKIN, Michael Charles resignedsecretary
- 2021-01-04➖HOPKIN, Michael Charles resigneddirector
- 2020-04-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-07-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-06-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-06-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-21📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2001-05-09➕HOPKIN, Michael Charles appointedsecretary
- 2000-03-09➖TOSH, Peter resignedsecretary
- 2000-02-09🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 1997-06-05➖ELLERINGTON, Ronald resignedsecretary
- 1997-06-05➕TOSH, Peter appointedsecretary
- 1997-04-04➖ELLERINGTON, Ronald resigneddirector
- 1993-06-30➖ELLERINGTON, Ronald resignedsecretary
- 1993-06-30➖ELLERINGTON, Ronald resigneddirector
- 1992-05-09➖JORDANS (SCOTLAND) LIMITED resignedcorporate-nominee-director
- 1991-10-07➖DOUGLAS- KELLIE, Roderick Leonard John resigneddirector
- 1991-06-03➕TOSH, Peter appointeddirector
- 1991-06-03➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 1991-06-03➕DOUGLAS- KELLIE, Roderick Leonard John appointeddirector
- 1991-06-03➕HOPKIN, Michael Charles appointeddirector
- 1991-05-09🏢Company incorporatedAs OBAN PORT USERS LIMITED
- 1991-05-09➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 1991-05-09➕JORDANS (SCOTLAND) LIMITED appointedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 35 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 76 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 76 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 35 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 35 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
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Peter Tosh Individual · British · DOB 05/1950 · age 76 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
1 historic (ceased) PSC
- Mr Michael Charles Hopkinceased 04/01/2021· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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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 →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
Registered office
Filing status
Officers (2 active · 10 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 09/02/2000 | — |