LOVAT ESTATES LIMITED
🌳Matureactive
SC179037 · ltd · incorporated 1997-09-18
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Why now
Window closing · medium confidence
Getting harder to buy cheaply — 1 signals strengthening over the last 30 days.
- · Hygiene score: 85 → 90
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 4.6y old — refinance window within 12 months
What changed my view
Last 30 days
Picture improved over the last 30 days — 1 positive signal vs 0 negative.
- ↑Hygiene score: 85 → 90
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 4.6y
60/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Charge age ~4.6 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (58/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
12 officers (2 active, 12 linked, 8 with DOB)
83
Ownership & PSC
4 active PSC(s) of 5 total, 5 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
96 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
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
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (45 events)Click to expand
- 2026-04-23📄accounts-with-accounts-type-smallaccounts · AA
- 2025-05-09➖WEATHERALL, Jack resigneddirector
- 2025-05-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-05-08📄accounts-with-accounts-type-smallaccounts · AA
- 2024-12-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-29🔒Charge registered #2Lender: Lg-B-300 Limited (Crn: SC765613)
- 2024-04-10📄accounts-with-accounts-type-smallaccounts · AA
- 2023-09-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-05-03📄accounts-with-accounts-type-smallaccounts · AA
- 2022-11-15📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-08-26➖SHEPHERD, Iain Duncan resignedsecretary
- 2022-08-26➖SHEPHERD, Iain Duncan resigneddirector
- 2022-08-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-08-26📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-07-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-07-11➕WEATHERALL, Jack appointeddirector
- 2022-06-24✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2022-06-06📄accounts-with-accounts-type-smallaccounts · AA
- 2022-03-29➕LOVAT, Simon appointeddirector
- 2022-03-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-10-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-10-14🔒Charge registered #1Lender: Lovat Investments Limited
- 2021-07-07📄accounts-with-accounts-type-smallaccounts · AA
- 2021-05-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-05-14➖MACRAE, John resigneddirector
- 2015-01-29➕SHEPHERD, Iain Duncan appointedsecretary
- 2015-01-29➖SHEPHERD, Lorraine Julia resignedsecretary
- 2014-11-24➕MACK, Stuart William appointeddirector
- 2014-11-24➕MACRAE, John appointeddirector
- 2014-08-28➖FRASER, Kim Ian Maurice, The Hon. resigneddirector
- 2014-02-01➖SHEPHERD, Iain Duncan resignedsecretary
- 2014-02-01➕SHEPHERD, Lorraine Julia appointedsecretary
- 2013-12-31➖FRASER, Malcolm resigneddirector
- 2006-03-21➕FRASER, Kim Ian Maurice, The Hon. appointeddirector
- 2006-03-21➖LOVAT, Simon, Lord resigneddirector
- 2004-08-15➕LOVAT, Simon, Lord appointeddirector
- 1997-09-18🏢Company incorporatedAs LOVAT ESTATES LIMITED
- 1997-09-18➕SHEPHERD, Iain Duncan appointedsecretary
- 1997-09-18➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 1997-09-18➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 1997-09-18➕FRASER, Malcolm appointeddirector
- 1997-09-18➕SHEPHERD, Iain Duncan appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial 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.
- +Founder name in company name: Company name contains director surname "LOVAT" — strong identity link between founder and business.
Succession & seller-readiness
51/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 29 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
4 active beneficial owners · fragmented| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr James Patrick Grant Individual · British · DOB 09/1977 · age 49 | 25–50% | — | sig. influence25-50% shares · significant influence · trust interest | 13/10/2022 |
Lord Aeneas Simon Reay Individual · British · DOB 03/1965 · age 61 | 25–50% | — | sig. influence25-50% shares · significant influence · trust interest | 06/04/2016 |
Lord Donald Andrew John Cameron Individual · British · DOB 11/1976 · age 50 | 25–50% | — | sig. influence25-50% shares · significant influence · trust interest | 06/04/2016 |
Simon Lovat Individual · British · DOB 02/1977 · age 49 | — | — | sig. influencesignificant influence | 10/09/2018 |
1 historic (ceased) PSC
- Mr Iain Duncan Shepherdceased 26/08/2022· 75-100% shares · trust interest
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 · Property · IV postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BLAVEN LIMITED→ SC160238 · est 1995 | £1.94M £1.65M–£2.24M | — | £1.94M | — | 30y | 83 | 73y |
| REDDLEMAN PROPERTIES LIMITED→ SC210065 · est 2000 | £1.04M £882.8k–£1.19M | — | £1.04M | — | 25y | 82 | 61y |
| PURESURF LIMITED→ SC186167 · est 1998 | £839.5k £713.6k–£965.4k | — | £839.5k | — | 28y | 82 | 65y |
| GLENVICASKILL DEVELOPMENTS LIMITED→ SC235334 · est 2002 | £658.2k £559.5k–£756.9k | — | £658.2k | — | 23y | 82 | 82y |
| W. & A.B. RICHARDSON LIMITED→ SC022381 · est 1943 | £561.0k £476.8k–£645.1k | — | £561.0k | — | 83y | 82 | 63y |
| GEDDES PROPERTIES (NAIRN) LIMITED→ SC141250 · est 1992 | £538.2k £457.5k–£618.9k | — | £538.2k | — | 33y | 82 | 65y |
| FINDHORN SALMON FISHINGS LIMITED→ SC030593 · est 1955 | £291.2k £247.5k–£334.9k | — | £291.2k | — | 71y | 82 | 77y |
| FAIRFIELD PROPERTIES (INVERNESS) LTD.→ SC244714 · est 2003 | £217.0k £184.5k–£249.6k | — | £217.0k | — | 23y | 82 | 75y |
| NORTHLANDS PROPERTIES LIMITED→ SC195787 · est 1999 | £214.5k £182.3k–£246.6k | — | £214.5k | — | 27y | 83 | 59y |
| CRUACHAN FLATS LIMITED→ SC242899 · est 2003 | £148.1k £125.9k–£170.3k | — | £148.1k | — | 23y | 82 | 77y |
| BELVOIR LETTINGS (MORAY) LTD→ SC302163 · est 2006 | £124.4k £105.7k–£143.0k | — | £124.4k | — | 20y | 82 | 67y |
| CAMERON HARRIS LTD.→ SC241344 · est 2002 | £93.0k £79.0k–£106.9k | — | £93.0k | — | 23y | 82 | 78y |
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
Incorporated1997-09-18
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Lovat Estate Office Beauly
Inverness Shire
IV4 7DA
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-09-30
Last: 2025-09-16
Officers (2 active · 10 resigned)
LOVAT, Simon→
Activedirector · ~49y · appointed 2022-03-29
View their other companies + combined net worth →
MACK, Stuart William→
Activedirector · ~42y · appointed 2014-11-24
View their other companies + combined net worth →
SHEPHERD, Iain Duncan→
Resignedsecretary · appointed 2015-01-29 · resigned 2022-08-26
SHEPHERD, Iain Duncan→
Resignedsecretary · appointed 1997-09-18 · resigned 2014-02-01
SHEPHERD, Lorraine Julia→
Resignedsecretary · appointed 2014-02-01 · resigned 2015-01-29
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 1997-09-18 · resigned 1997-09-18
FRASER, Kim Ian Maurice, The Hon.→
Resigneddirector · ~80y · appointed 2006-03-21 · resigned 2014-08-28
FRASER, Malcolm→
Resigneddirector · ~94y · appointed 1997-09-18 · resigned 2013-12-31
LOVAT, Simon, Lord→
Resigneddirector · ~49y · appointed 2004-08-15 · resigned 2006-03-21
MACRAE, John→
Resigneddirector · ~64y · appointed 2014-11-24 · resigned 2021-05-14
SHEPHERD, Iain Duncan→
Resigneddirector · ~63y · appointed 1997-09-18 · resigned 2022-08-26
WEATHERALL, Jack→
Resigneddirector · ~37y · appointed 2022-07-11 · resigned 2025-05-09
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lg-B-300 (Crn: SC765613) Lg-B-300 Limited (Crn: SC765613) | A registered charge | 2 properties | 29/11/2024 | — | |
| outstanding | Lovat Investments Lovat Investments Limited | A registered charge | 1 property | 14/10/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (96 total)
accounts-with-accounts-type-small
accounts · AA
2026-04-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-16
termination-director-company-with-name-termination-date
officers · TM01
2025-05-09
accounts-with-accounts-type-small
accounts · AA
2025-05-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-12-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-12-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-12-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-16
accounts-with-accounts-type-small
accounts · AA
2024-04-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-20
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-09-18
accounts-with-accounts-type-small
accounts · AA
2023-05-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-11-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-20