THE LOCH NESS COFFEE COMPANY LIMITED

🌳Matureactive

SC221691 · ltd · incorporated 2001-07-30

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.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jun 2025

Net worth

£174.1k

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Unlicenced restaurants and cafes

Sector: Accommodation & food service

Investor take

Pursue

Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -52% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 23.1y

30/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Oldest live charge is 23.1 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (81/100)

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

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

14 officers (6 active, 14 linked, 11 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

6 connected companies via shared directors

Filing history

102 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £174,128

Cash draining

Cash down 52% YoY

Cash YoY

-52%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£25k

↓ 52% YoY

Net Worth

£174k

↑ 51% YoY

Current Assets

£1.6m

↑ 15% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-06-30	2024-06-30
Total assets	£540.4k	£605.7k
Current assets	£1.56M	£1.36M
Cash	£25.2k	£52.4k
Debtors	£920.5k	£746.0k
Net assets	£174.1k	£115.1k

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

🔒Filing-note intelligence

4 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

filings

Last 90 days

filings

• 1 accounts
• 1 confirmation-statement
• 1 officers

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement
• 1 officers

Counts from Companies House filing history.

Corporate timeline (46 events)Click to expand

2026-03-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-12
📄
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2025-07-04
📄
capital-cancellation-shares
capital · SH06
2025-07-04
📄
capital-return-purchase-own-shares
capital · SH03
2025-06-25
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-06-06
➖
CAMERON, Ruairidh Alasdair Iain resigned
director
2025-04-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-12
➕
CAMPBELL, Mollie appointed
director
2023-09-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-23
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-02-07
📄
change-person-director-company-with-change-date
officers · CH01
2022-07-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-23
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-06-23
📄
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2022-02-03
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-06-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-28
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2021-04-27
📄
gazette-notice-compulsory
gazette · GAZ1
2021-04-22
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-02-28
➖
CAMPBELL, Jacqueline Ann resigned
secretary
2021-02-28
➖
CAMPBELL, Jacqueline Ann resigned
director
2017-11-14
🔒
Charge registered #3
Lender: Svenska Handelsbanken Ab (Publ)
2017-11-07
🔓
Charge satisfied #1
2017-07-21
🔒
Charge registered #2
Lender: Svenska Handelsbanken Ab (Publ)
2016-08-08
➕
MCMASTER, Dollene appointed
director
2011-03-15
➕
CAMPBELL, Daniel appointed
director
2011-03-15
➕
MCMASTER, Arran David appointed
director
2008-07-30
➖
MCMASTER, Dollene resigned
director
2006-05-01
➖
CAMERON, William Mackie resigned
director
2006-03-21
➕
MCMASTER, Angus Fraser appointed
director
2005-03-16
➕
CAMERON, Ruairidh Alasdair Iain appointed
director
2004-06-29
➖
MCMASTER, Angus Fraser resigned
director
2004-06-29
➕
MCMASTER, Dollene appointed
director
2003-03-25
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
2001-07-30
🏢
Company incorporated
As THE LOCH NESS COFFEE COMPANY LIMITED
2001-07-30
➕
CAMPBELL, James Fraser appointed
director
2001-07-30
➕
CAMPBELL, Jacqueline Ann appointed
secretary
2001-07-30
➕
BRIAN REID LTD. appointed
corporate-nominee-secretary
2001-07-30
➖
BRIAN REID LTD. resigned
corporate-nominee-secretary
2001-07-30
➕
CAMERON, William Mackie appointed
director
2001-07-30
➕
CAMPBELL, Jacqueline Ann appointed
director
2001-07-30
➕
MCMASTER, Angus Fraser appointed
director
2001-07-30
➕
STEPHEN MABBOTT LTD. appointed
corporate-nominee-director
2001-07-30
➖
STEPHEN MABBOTT LTD. resigned
corporate-nominee-director

Owner dependency

73/100

High — earn-out structure required

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

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 68 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

70/100

Strong succession signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
primary20+ year tenure: Director in role 25 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

Name	Shares	Voting rights	Nature of control	Notified
James Fraser Campbell Individual · British · DOB 06/1961 · age 65	—	—	sig. influencesignificant influence	06/04/2016
Mr Angus Fraser Mcmaster Individual · British · DOB 04/1958 · age 68	—	—	sig. influencesignificant influence	06/04/2016

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 · IV postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BUNCHREW CARAVAN PARK LIMITED→ SC295539 · est 2006	—	—	£1.43M	—	20y	83	71y
CEILIDH PLACES LIMITED→ SC164338 · est 1996	—	—	£55.0k	—	30y	83	88y
HARRIS HOTEL (2002) LTD.→ SC230177 · est 2002	—	—	£200.2k	—	24y	83	93y
LOCH TORRIDON HOTEL LIMITED→ SC192961 · est 1999	—	—	£959.8k	—	27y	83	85y
BRAESIDE LIMITED→ SC267916 · est 2004	—	—	£3.10M	—	21y	82	65y
CARTERS LTD→ SC328589 · est 2007	—	—	—	—	18y	82	63y
CHIMES (FORRES) LTD.→ SC259959 · est 2003	—	—	—	0	22y	82	70y
CLUBHOUSE SCOTLAND LIMITED→ SC386878 · est 2010	—	—	—	0	15y	82	81y
DRAWMAJOR LIMITED→ SC130628 · est 1991	—	—	£433.2k	—	35y	82	73y
EOLAS CONSULTANTS LIMITED→ SC183507 · est 1998	—	—	—	100	28y	82	71y
G & A R LIMITED→ SC309130 · est 2006	—	—	£4.1k	—	19y	82	62y
GLEN AFFRIC HOLIDAY PARK LTD→ SC390826 · est 2010	—	—	£504.7k	—	15y	82	58y

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.

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Company details

Statusactive

Typeltd

Incorporated2001-07-30

Jurisdictionscotland

Primary SIC56102 — Unlicenced restaurants and cafes

Registered office

Drum Hotel

Drumnadrochit

IV63 6TU

Scotland

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2027-02-21

Last: 2026-02-07