LOCHWINNOCH MOTORS LIMITED

🌳Matureactive
SC217964 · ltd · incorporated 2001-04-09
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£926.3k
book net assets
Opportunity
75/100
Strong
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What this business does
Primary activity: Freight transport by road
Sector: Transportation & storage
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 75/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 56). 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 (58/100).

🏦

Refinance opportunity

4 live charges · 3 lenders · oldest 23.3y

35/100
too messy

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

  • · Oldest live charge is 23.3 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
9 officers (2 active, 9 linked, 5 with DOB)
81
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
72 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
65
Some acquirability indicators.
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 £926,288
Net assets shrinking
Down £297,041 YoY
Cash YoY
+1455%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£25k
↑ 1455% YoY
Net Worth
£926k
↓ 24% YoY
Current Assets
£894k
↓ 7.7% YoY
Current Liabilities
—
£0£245k£489k£734k£979k£1.2mJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
Total assets£2.38M£2.59M
Current assets£893.9k£968.5k
Cash£25.0k£1.6k
Debtors£867.9k£965.9k
Net assets£926.3k£1.22M

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
1
filing
  • • 1 confirmation-statement
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
  1. 2025-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-11-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-11-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2024-01-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-03-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-02-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-04-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-03-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-10-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-09-12
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  11. 2018-09-10
    ➖
    MORRISON, Helen Riddell resigned
    secretary
  12. 2018-02-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2017-02-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2016-04-18
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-12-18
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2015-04-13
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2013-07-30
    🔓
    Charge satisfied #3
  18. 2013-07-30
    🔓
    Charge satisfied #2
  19. 2013-07-22
    🔒
    Charge registered #4
    Lender: Aldermore Bank PLC
  20. 2013-05-31
    ➕
    MORRISON, Linda Margaret, Ellen appointed
    director
  21. 2013-05-30
    ➕
    MORRISON, Linda Margaret Ellen appointed
    director
  22. 2013-05-30
    ➖
    MORRISON, Linda Margaret Ellen resigned
    director
  23. 2013-05-30
    ➖
    MORRISON, Linda Margaret Ellen resigned
    director
  24. 2010-07-01
    ➕
    MORRISON, Linda Margaret Ellen appointed
    director
  25. 2007-07-16
    🔓
    Charge satisfied #1
  26. 2007-06-20
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  27. 2005-04-29
    ➖
    MORRISON, Gordon Philip resigned
    secretary
  28. 2005-04-29
    ➕
    MORRISON, Helen Riddell appointed
    secretary
  29. 2005-04-29
    ➖
    MCCONNELL, Simon David resigned
    director
  30. 2003-04-04
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  31. 2003-01-15
    🔒
    Charge registered #1
    Lender: Lloyds Tsb Commercial Finance Limited
  32. 2001-04-09
    🏢
    Company incorporated
    As LOCHWINNOCH MOTORS LIMITED
  33. 2001-04-09
    ➕
    MORRISON, Gordon Philip appointed
    director
  34. 2001-04-09
    ➕
    MORRISON, Gordon Philip appointed
    secretary
  35. 2001-04-09
    ➕
    FIRST SCOTTISH SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  36. 2001-04-09
    ➖
    FIRST SCOTTISH SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  37. 2001-04-09
    ➕
    MCCONNELL, Simon David appointed
    director
  38. 2001-04-09
    ➕
    FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED appointed
    corporate-nominee-director
  39. 2001-04-09
    ➖
    FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED resigned
    corporate-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 25 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

66/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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 ·
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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Gordon Philip Morrison
Individual · British · DOB 12/1970 · age 56
25–50%
—25-50% shares01/07/2016
Mrs Linda Margaret, Ellen Morrison
Individual · British · DOB 10/1975 · age 51
25–50%
—25-50% shares01/07/2016

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

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
Incorporated2001-04-09
Jurisdictionscotland
Primary SIC49410 — Freight transport by road

Registered office

Burnbrae Drive
Linwood
Paisley
PA3 3BW
Scotland

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-04-23
Last: 2026-04-09

Officers (2 active · 7 resigned)

MORRISON, Gordon Philip→
director · ~56y · appointed 2001-04-09
View their other companies + combined net worth →
Active
MORRISON, Linda Margaret, Ellen→
director · ~51y · appointed 2013-05-31
View their other companies + combined net worth →
Active
MORRISON, Gordon Philip→
secretary · appointed 2001-04-09 · resigned 2005-04-29
Resigned
MORRISON, Helen Riddell→
secretary · appointed 2005-04-29 · resigned 2018-09-10
Resigned
FIRST SCOTTISH SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2001-04-09 · resigned 2001-04-09
Resigned
MCCONNELL, Simon David→
director · ~57y · appointed 2001-04-09 · resigned 2005-04-29
Resigned
MORRISON, Linda Margaret Ellen→
director · ~61y · appointed 2013-05-30 · resigned 2013-05-30
Resigned
MORRISON, Linda Margaret Ellen→
director · ~61y · appointed 2010-07-01 · resigned 2013-05-30
Resigned
FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED→
corporate-nominee-director · appointed 2001-04-09 · resigned 2001-04-09
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
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property22/07/2013—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property20/06/200730/07/2013
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property04/04/200330/07/2013
satisfied
Lloyds Banking Group
Lloyds Tsb Commercial Finance Limited
Floating charge1 property15/01/200316/07/2007
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (72 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-11-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-03-13