CLOWANCE HOLDINGS LIMITED

🌳Matureactive
SC132922 · ltd · incorporated 1991-07-16
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 Dec 2024
Net worth
£2.73M
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Other holiday and other collective accommodation
Sector: Accommodation & food service
Investor take
Pursue
Active trading company with a 71-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 67/100. Strong seller-intent signal (93/100, director aged 71). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · 3 lenders · oldest 34.5y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 34.5 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (83/100)

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
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
18 officers (3 active, 18 linked, 13 with DOB)
84
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
130 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £2,727,325
Cash YoY
+35%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£53k
↑ 35% YoY
Net Worth
£2.7m
↑ 4.4% YoY
Current Assets
£11m
↑ 6.5% YoY
Current Liabilities
—
£0£2.2m£4.4m£6.6m£8.8m£11mDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Total assets£11.35M£10.78M
Current assets£10.94M£10.28M
Cash£52.8k£39.1k
Debtors£10.89M£10.21M
Net assets£2.73M£2.61M

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

🔒Filing-note intelligence

4 signals 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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (56 events)Click to expand
  1. 2025-06-30
    📄
    accounts-with-accounts-type-full
    accounts · AA
  2. 2024-09-30
    📄
    accounts-with-accounts-type-full
    accounts · AA
  3. 2023-12-20
    📄
    accounts-with-accounts-type-full
    accounts · AA
  4. 2023-10-18
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2023-10-18
    🔓
    Charge satisfied #4
  6. 2023-02-16
    📄
    accounts-with-accounts-type-full
    accounts · AA
  7. 2021-12-01
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  8. 2021-11-30
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  9. 2021-11-29
    📄
    accounts-with-accounts-type-full
    accounts · AA
  10. 2020-12-23
    📄
    accounts-with-accounts-type-full
    accounts · AA
  11. 2019-07-17
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  12. 2019-03-29
    📄
    accounts-with-accounts-type-full
    accounts · AA
  13. 2018-02-16
    📄
    accounts-with-accounts-type-full
    accounts · AA
  14. 2017-04-05
    📄
    accounts-with-accounts-type-full
    accounts · AA
  15. 2016-02-25
    📄
    accounts-with-accounts-type-full
    accounts · AA
  16. 2015-07-28
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  17. 2008-01-01
    ➕
    KINSELLA, Sharon Angela Jeanette appointed
    secretary
  18. 2008-01-01
    ➕
    KINSELLA, Sharon Angela Jeanette appointed
    director
  19. 2007-12-31
    ➖
    FOUNDLY, Michael John resigned
    secretary
  20. 2007-12-31
    ➖
    FOUNDLY, Michael John resigned
    director
  21. 2007-01-29
    🔒
    Charge registered #4
    Lender: National Westminster Bank PLC
  22. 2006-08-07
    ➕
    HURLEY, Barry Thomas appointed
    director
  23. 2006-08-07
    ➖
    BURTON, Ian Robert resigned
    secretary
  24. 2006-08-07
    ➕
    FOUNDLY, Michael John appointed
    secretary
  25. 2006-08-07
    ➖
    CHAPMAN, Frank Watson resigned
    director
  26. 2006-08-07
    ➖
    CHAPMAN, Wendy Joanna resigned
    director
  27. 2006-08-07
    ➕
    FOUNDLY, Michael John appointed
    director
  28. 2006-08-07
    🔒
    Charge registered #3
    Lender: Hutchinson & Co Trust Company LTD
  29. 2003-07-07
    ➕
    CHAPMAN, Wendy Joanna appointed
    director
  30. 2002-05-24
    🔓
    Charge satisfied #2
  31. 2002-05-21
    🔓
    Charge satisfied #1
  32. 2002-04-24
    ➖
    BARKLEY, John resigned
    director
  33. 2000-07-07
    ➖
    CRUICKSHANK, James Kerr resigned
    director
  34. 1995-09-30
    ➖
    FOSTER, Roger resigned
    director
  35. 1995-09-30
    ➖
    REID, John Andrew Largie resigned
    director
  36. 1994-09-21
    ➕
    CRUICKSHANK, James Kerr appointed
    director
  37. 1994-08-18
    ➕
    BARKLEY, John appointed
    director
  38. 1994-08-18
    ➖
    LESLIE, Colin David resigned
    director
  39. 1994-08-18
    ➖
    MACINTYRE, Iain resigned
    director
  40. 1993-07-06
    ➕
    MACINTYRE, Iain appointed
    director
  41. 1993-07-06
    ➖
    MCGILL, Colin Scott resigned
    director
  42. 1992-07-01
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  43. 1992-05-07
    ➕
    BURTON, Ian Robert appointed
    secretary
  44. 1992-05-07
    ➖
    D.W. COMPANY SERVICES LIMITED resigned
    corporate-nominee-secretary
  45. 1991-11-19
    ➕
    LESLIE, Colin David appointed
    director
  46. 1991-11-19
    ➕
    MCGILL, Colin Scott appointed
    director
  47. 1991-11-19
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  48. 1991-11-18
    ➕
    CHAPMAN, Frank Watson appointed
    director
  49. 1991-11-18
    ➖
    COUTTS, Maureen Sheila resigned
    nominee-director
  50. 1991-11-18
    ➕
    FOSTER, Roger appointed
    director
Showing most recent 50 of 56 events

Owner dependency

83/100
Critical — business is the founder

The 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 20 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

89/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 20 years.
  • 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

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
NameSharesVoting rightsNature of controlNotified
Mr Barry Thomas Hurley
Individual · British · DOB 03/1955 · age 71
——sig. influencesignificant influence30/06/2016

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 →

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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
Incorporated1991-07-16
Jurisdictionscotland
Primary SIC55209 — Other holiday and other collective accommodation

Registered office

Brunston Castle
Brunston Avenue
Dailly
South Ayrshire
KA26 9GB

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-07-27
Last: 2025-07-13

Officers (3 active · 15 resigned)

KINSELLA, Sharon Angela Jeanette→
secretary · appointed 2008-01-01
View their other companies + combined net worth →
Active
HURLEY, Barry Thomas→
director · ~71y · appointed 2006-08-07
View their other companies + combined net worth →
Active
KINSELLA, Sharon Angela Jeanette→
director · ~57y · appointed 2008-01-01
View their other companies + combined net worth →
Active
BURTON, Ian Robert→
secretary · appointed 1992-05-07 · resigned 2006-08-07
Resigned
FOUNDLY, Michael John→
secretary · appointed 2006-08-07 · resigned 2007-12-31
Resigned
D.W. COMPANY SERVICES LIMITED→
corporate-nominee-secretary · appointed 1991-07-16 · resigned 1992-05-07
Resigned
BARKLEY, John→
director · ~78y · appointed 1994-08-18 · resigned 2002-04-24
Resigned
CHAPMAN, Frank Watson→
director · ~97y · appointed 1991-11-18 · resigned 2006-08-07
Resigned
CHAPMAN, Wendy Joanna→
director · ~95y · appointed 2003-07-07 · resigned 2006-08-07
Resigned
COUTTS, Maureen Sheila→
nominee-director · appointed 1991-07-16 · resigned 1991-11-18
Resigned
CRUICKSHANK, James Kerr→
director · ~66y · appointed 1994-09-21 · resigned 2000-07-07
Resigned
FOSTER, Roger→
director · ~108y · appointed 1991-11-18 · resigned 1995-09-30
Resigned
FOUNDLY, Michael John→
director · ~66y · appointed 2006-08-07 · resigned 2007-12-31
Resigned
HARDIE, David→
nominee-director · ~72y · appointed 1991-07-16 · resigned 1991-11-18
Resigned
LESLIE, Colin David→
director · ~74y · appointed 1991-11-19 · resigned 1994-08-18
Resigned
MACINTYRE, Iain→
director · ~81y · appointed 1993-07-06 · resigned 1994-08-18
Resigned
MCGILL, Colin Scott→
director · ~78y · appointed 1991-11-19 · resigned 1993-07-06
Resigned
REID, John Andrew Largie→
director · ~90y · appointed 1991-11-18 · resigned 1995-09-30
Resigned

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

Mortgages & charges

4
Total charges
1
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal charge1 property29/01/200718/10/2023
outstanding
Hutchinson & Co Trust Company / Hutchinson & Co Trust Company
Hutchinson & Co Trust Company LTD / Hutchinson & Co Trust Company LTD
Legal charge1 property07/08/2006—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge1 property01/07/199224/05/2002
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Floating charge1 property19/11/199121/05/2002
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (130 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-22
accounts-with-accounts-type-full
accounts · AA
2025-06-30
accounts-with-accounts-type-full
accounts · AA
2024-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-22
accounts-with-accounts-type-full
accounts · AA
2023-12-20
mortgage-satisfy-charge-full
mortgage · MR04
2023-10-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-14
accounts-with-accounts-type-full
accounts · AA
2023-02-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-11
gazette-filings-brought-up-to-date
gazette · DISS40
2021-12-01
gazette-notice-compulsory
gazette · GAZ1
2021-11-30
accounts-with-accounts-type-full
accounts · AA
2021-11-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-14
accounts-with-accounts-type-full
accounts · AA
2020-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-15