KINLOCH LODGE LIMITED
No material changes in the last 30 days.
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Opportunity 74/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
7 live charges · 5 lenders · oldest 28.1y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 28.1 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | — | £1.71M |
| Current assets | — | £432.6k |
| Cash | — | £239.5k |
| Debtors | — | £34.0k |
| Net assets | — | £960.1k |
| Average employees | 43 | — |
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 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (42 events)Click to expand
- 2025-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-05-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-31➖TULLY, Marcello Edward resigneddirector
- 2020-07-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-06-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-07-24📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-03-31📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-07-06📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-03-06📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-04-18🔓Charge satisfied #4
- 2013-05-31➖EVELING, Tom Hugo James resigneddirector
- 2012-11-27🔒Charge registered #8Lender: Bank of Scotland PLC
- 2012-11-27🔓Charge satisfied #6
- 2012-11-21🔒Charge registered #7Lender: Bank of Scotland PLC
- 2009-05-12🔒Charge registered #6Lender: Clydesdale Bank PLC
- 2009-03-06➕EVELING, Tom Hugo James appointeddirector
- 2009-03-06➖GUTTENBERG, Alexandra Louisa, The Honourable resigneddirector
- 2009-03-06➖LADY MACDONALD OF MACDONALD, Claire resigneddirector
- 2009-03-06➖MACDONALD, Godfrey, Lord resigneddirector
- 2009-03-06➖MACDONALD, Meriel Iona, The Honourable resigneddirector
- 2009-03-06➕TULLY, Marcello Edward appointeddirector
- 2008-04-16🔓Charge satisfied #5
- 2006-05-06🔒Charge registered #5Lender: The Royal Bank of Scotland PLC
- 2004-12-01🔒Charge registered #4Lender: Clydesdale Bank Public Limited Company
- 2004-09-01➕MACDONALD, Godfrey, Lord appointeddirector
- 2002-09-13🔓Charge satisfied #2
- 2002-09-13🔓Charge satisfied #1
- 1998-11-11🔒Charge registered #2Lender: Barclays Bank PLC
- 1998-04-27🔒Charge registered #1Lender: Barclays Bank PLC
- 1997-07-01➕LADY MACDONALD OF MACDONALD, Claire appointeddirector
- 1996-04-26🏢Company incorporatedAs KINLOCH LODGE LIMITED
- 1996-04-26➕MACDONALD, Godfrey, Lord appointedsecretary
- 1996-04-26➕MACDONALD, Isabella Claire appointeddirector
- 1996-04-26➕GUTTENBERG, Alexandra Louisa, The Honourable appointeddirector
- 1996-04-26➕MACDONALD, Meriel Iona, The Honourable appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 30 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 ·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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
The Honourable Isabella Claire Macdonald Individual · British · DOB 10/1975 · age 51 | — | — | sig. influencesignificant influence | 06/04/2016 |
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 · 6 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/11/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Floating charge | 1 property | 21/11/2012 | — | |
| satisfied | Virgin Money Clydesdale Bank PLC | Standard security | 1 property | 12/05/2009 | 27/11/2012 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 06/05/2006 | 16/04/2008 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 01/12/2004 | 18/04/2014 | |
| satisfied | Barclays Barclays Bank PLC | Standard security | 1 property | 11/11/1998 | 13/09/2002 | |
| satisfied | Barclays Barclays Bank PLC | Floating charge | 1 property | 27/04/1998 | 13/09/2002 |