LOCH LOMOND TRADING COMPANY LIMITED

🌳Matureactive
SC160362 · ltd · incorporated 1995-09-14
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 28.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£212.8k
book net assets
Opportunity
80/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Unlicenced restaurants and cafes
Sector: Accommodation & food service
Investor take
Pursue
Asset-holding vehicle with a 64-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 85/100. Strong seller-intent signal (80/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

5 live charges · 2 lenders · oldest 28.6y

70/100
ready

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

  • · Oldest live charge is 28.6 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (79/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
8 officers (2 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
91 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £212,764

Key financials

2 years extracted from filed iXBRL accounts
Cash
£70k
Net Worth
£213k
Current Assets
£157k
Current Liabilities
—
£0£43k£85k£128k£170k£213kSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-302023-09-30
Total assets£266.8k—
Current assets£156.8k—
Cash£70.3k—
Debtors£52.1k—
Net assets£212.8k—

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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (40 events)Click to expand
  1. 2025-11-26
    ➕
    TURKINGTON, Eleanor Louise appointed
    director
  2. 2025-11-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  3. 2025-03-13
    📄
    resolution
    resolution · RESOLUTIONS
  4. 2025-03-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-02-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-10-10
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2023-10-10
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2023-10-10
    🔓
    Charge satisfied #6
  9. 2023-10-10
    🔓
    Charge satisfied #5
  10. 2023-06-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-06-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2020-09-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2019-03-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-06-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2017-06-15
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2016-01-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2015-09-14
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  19. 2012-10-10
    ➖
    TURKINGTON, Fenella resigned
    secretary
  20. 2012-10-10
    ➖
    CLOSE, Iain Campbell resigned
    director
  21. 2011-10-01
    ➕
    CLOSE, Iain Campbell appointed
    director
  22. 2005-04-04
    ➖
    GROVES, Rowena Jane resigned
    secretary
  23. 2005-04-04
    ➕
    TURKINGTON, Fenella appointed
    secretary
  24. 2005-04-04
    ➖
    GROVES, Gary resigned
    director
  25. 2002-08-21
    🔓
    Charge satisfied #4
  26. 2002-08-21
    🔓
    Charge satisfied #2
  27. 2001-02-26
    🔒
    Charge registered #6
    Lender: The Governor and Company of the Bank of Scotland
  28. 2001-01-18
    🔒
    Charge registered #5
    Lender: The Governor and Company of the Bank of Scotland
  29. 1998-03-16
    🔓
    Charge satisfied #3
  30. 1998-02-16
    🔒
    Charge registered #4
    Lender: Clydesdale Bank Public Limited Company
  31. 1997-12-19
    🔒
    Charge registered #3
    Lender: Clydesdale Bank Public Limited Company
  32. 1997-10-31
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  33. 1995-09-14
    🏢
    Company incorporated
    As LOCH LOMOND TRADING COMPANY LIMITED
  34. 1995-09-14
    ➕
    FERGUSON, Rowena Jane appointed
    director
  35. 1995-09-14
    ➕
    GROVES, Rowena Jane appointed
    secretary
  36. 1995-09-14
    ➕
    REID, Brian appointed
    nominee-secretary
  37. 1995-09-14
    ➖
    REID, Brian resigned
    nominee-secretary
  38. 1995-09-14
    ➕
    GROVES, Gary appointed
    director
  39. 1995-09-14
    ➕
    MABBOTT, Stephen appointed
    nominee-director
  40. 1995-09-14
    ➖
    MABBOTT, Stephen resigned
    nominee-director

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

76/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 31 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

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Ms Rowena Jane Ferguson
Individual · British · DOB 02/1962 · age 64
75–100%
75–100%board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · firm interest06/04/2016

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 · Hospitality · G postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
CAFE ANDALUZ RESTAURANTS LIMITED→
SC390599 · est 2010
£8.71M
£6.53M–£10.88M
——29815y8767y
ENOTECA SCOTLAND LIMITED→
SC327283 · est 2007
£8.47M
£6.35M–£10.59M
——21318y8367y
AN CLACHAN CAFE LIMITED→
SC313545 · est 2006
——£45.0k—19y8359y
CRAIGENDMUIR LIMITED→
SC258280 · est 2003
——£1.34M—22y8360y
D'ARCY'S (GLASGOW) LIMITED→
SC264250 · est 2004 · no financials extracted
————22y8364y
DANNY'S SNACKS LIMITED→
SC338593 · est 2008 · no financials extracted
————18y8365y
DIXON ARMS (GLENROTHES) LIMITED→
SC325347 · est 2007 · no financials extracted
————18y8364y
JOHN MACLAREN AND SONS LIMITED→
SC291419 · est 2005
——£6.6k—20y8372y
KINGSRIDGE CLEDDANS ECONOMIC DEVELOPMENT GROUP→
SC133036 · est 1991 · no financials extracted
————34y8387y
LA LANTERNA GLASGOW LTD→
SC274833 · est 2004
———3221y8360y
LATHONES CARAVAN COMPANY LIMITED→
SC078119 · est 1982
———044y8368y
MATTHEW'S FOODS (SCOTLAND) LIMITED→
SC210734 · est 2000
——£1.81M—25y8359y
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
Incorporated1995-09-14
Jurisdictionscotland
Primary SIC56102 — Unlicenced restaurants and cafes

Registered office

Coach House Coffee Shop
Church Road
Luss
Loch Lomond
G83 8NN

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-09-27
Last: 2025-09-13

Officers (2 active · 6 resigned)

FERGUSON, Rowena Jane→
director · ~64y · appointed 1995-09-14
View their other companies + combined net worth →
Active
TURKINGTON, Eleanor Louise→
director · ~31y · appointed 2025-11-26
View their other companies + combined net worth →
Active
GROVES, Rowena Jane→
secretary · appointed 1995-09-14 · resigned 2005-04-04
Resigned
REID, Brian→
nominee-secretary · appointed 1995-09-14 · resigned 1995-09-14
Resigned
TURKINGTON, Fenella→
secretary · appointed 2005-04-04 · resigned 2012-10-10
Resigned
CLOSE, Iain Campbell→
director · ~60y · appointed 2011-10-01 · resigned 2012-10-10
Resigned
GROVES, Gary→
director · ~71y · appointed 1995-09-14 · resigned 2005-04-04
Resigned
MABBOTT, Stephen→
nominee-director · ~76y · appointed 1995-09-14 · resigned 1995-09-14
Resigned

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
TypeProperties
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property26/02/200110/10/2023
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property18/01/200110/10/2023
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property16/02/199821/08/2002
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property19/12/199716/03/1998
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property31/10/199721/08/2002

Recent filings (91 total)

appoint-person-director-company-with-name-date
officers · AP01
2025-11-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-16
resolution
resolution · RESOLUTIONS
2025-03-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-22
mortgage-satisfy-charge-full
mortgage · MR04
2023-10-10
mortgage-satisfy-charge-full
mortgage · MR04
2023-10-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-24