LOYD & TOWNSEND-ROSE LIMITED

🌳Matureactive
SC191656 · ltd · incorporated 1998-12-02
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 22.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£3.3k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Travel agency activities
Sector: Administrative & support services
Investor take
Pursue
Asset-holding vehicle with a 67-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (83/100, director aged 67). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 22.3y

85/100
ready

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

  • · Oldest live charge is 22.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 6 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
93 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 · accounting standard not declared
Positive net assets
Net assets £3,348
Net assets shrinking
Down £14,541 YoY
Cash YoY
+60%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£123k
↑ 60% YoY
Net Worth
£3k
↓ 81% YoY
Current Assets
£783k
↓ 3.4% YoY
Current Liabilities
—
£0£162k£324k£486k£648k£810kSept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30
Total assets£3.8k£29.4k
Current assets£782.8k£810.5k
Cash£122.8k£76.7k
Debtors£656.0k£729.8k
Net assets£3.3k£17.9k

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

🔒Filing-note intelligence

2 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
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
  1. 2026-03-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-22
    📄
    memorandum-articles
    incorporation · MA
  3. 2025-04-22
    📄
    resolution
    resolution · RESOLUTIONS
  4. 2025-02-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2025-01-14
    📄
    capital-name-of-class-of-shares
    capital · SH08
  6. 2025-01-13
    📄
    memorandum-articles
    incorporation · MA
  7. 2025-01-13
    📄
    resolution
    resolution · RESOLUTIONS
  8. 2025-01-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2025-01-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2024-12-31
    ➖
    LOYD, Andrew Wyndham resigned
    director
  11. 2024-08-08
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2024-08-08
    🔓
    Charge satisfied #1
  13. 2024-06-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2024-04-03
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2024-04-01
    ➕
    RIDDELL, Andrew Roderick appointed
    director
  16. 2023-04-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2022-06-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2021-06-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2020-12-17
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  20. 2020-12-17
    📄
    capital-name-of-class-of-shares
    capital · SH08
  21. 2020-12-15
    📄
    resolution
    resolution · RESOLUTIONS
  22. 2020-12-14
    📄
    memorandum-articles
    incorporation · MA
  23. 2012-11-01
    ➖
    SKINNER, Denzil Gough Onslow resigned
    director
  24. 2011-08-01
    ➕
    SKINNER, Denzil Gough Onslow appointed
    director
  25. 2004-02-19
    🔒
    Charge registered #1
    Lender: Adam & Company PLC
  26. 1999-04-06
    ➕
    TOWNSEND-ROSE, Jonathan Cleeves appointed
    secretary
  27. 1999-04-06
    ➕
    TOWNSEND-ROSE, Jonathan Cleeves appointed
    director
  28. 1999-04-06
    ➖
    BRODIES WS resigned
    corporate-nominee-secretary
  29. 1999-04-06
    ➖
    CAMPBELL, Alistair Carnegie resigned
    nominee-director
  30. 1999-04-06
    ➕
    LOYD, Andrew Wyndham appointed
    director
  31. 1999-04-06
    ➖
    VOGE, Julian Cecil Arthur resigned
    director
  32. 1998-12-02
    🏢
    Company incorporated
    As LOYD & TOWNSEND-ROSE LIMITED
  33. 1998-12-02
    ➕
    BRODIES WS appointed
    corporate-nominee-secretary
  34. 1998-12-02
    ➕
    CAMPBELL, Alistair Carnegie appointed
    nominee-director
  35. 1998-12-02
    ➕
    VOGE, Julian Cecil Arthur appointed
    director

Owner dependency

98/100
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.
  • +Founder name in company name: Company name contains director surname "TOWNSEND-ROSE" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.

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 67. 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 27 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Andrew Wyndham Loyd
Individual · British · DOB 11/1962 · age 64
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Jonathan Cleeves Townsend-Rose
Individual · British · DOB 01/1959 · age 67
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016

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 →

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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
Incorporated1998-12-02
Jurisdictionscotland
Primary SIC79110 — Travel agency activities

Registered office

47-49 The Square
Kelso
Roxburghshire
TD5 7HW

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-12-09
Last: 2025-11-25

Officers (3 active · 5 resigned)

TOWNSEND-ROSE, Jonathan Cleeves→
secretary · appointed 1999-04-06
View their other companies + combined net worth →
Active
RIDDELL, Andrew Roderick→
director · ~36y · appointed 2024-04-01
View their other companies + combined net worth →
Active
TOWNSEND-ROSE, Jonathan Cleeves→
director · ~67y · appointed 1999-04-06
View their other companies + combined net worth →
Active
BRODIES WS→
corporate-nominee-secretary · appointed 1998-12-02 · resigned 1999-04-06
Resigned
CAMPBELL, Alistair Carnegie→
nominee-director · ~72y · appointed 1998-12-02 · resigned 1999-04-06
Resigned
LOYD, Andrew Wyndham→
director · ~64y · appointed 1999-04-06 · resigned 2024-12-31
Resigned
SKINNER, Denzil Gough Onslow→
director · ~68y · appointed 2011-08-01 · resigned 2012-11-01
Resigned
VOGE, Julian Cecil Arthur→
director · ~68y · appointed 1998-12-02 · resigned 1999-04-06
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Adam & Company
Adam & Company PLC
Bond & floating charge1 property19/02/200408/08/2024

Recent filings (93 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-18
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-27
memorandum-articles
incorporation · MA
2025-04-22
resolution
resolution · RESOLUTIONS
2025-04-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-07
capital-name-of-class-of-shares
capital · SH08
2025-01-14
memorandum-articles
incorporation · MA
2025-01-13
resolution
resolution · RESOLUTIONS
2025-01-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-09
termination-director-company-with-name-termination-date
officers · TM01
2025-01-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-03
mortgage-satisfy-charge-full
mortgage · MR04
2024-08-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-19
appoint-person-director-company-with-name-date
officers · AP01
2024-04-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-05