INVERCLOY LIMITED

💤Zombieactive

SC225106 · ltd · incorporated 2001-11-08

Investment thesis

Zombie company — trading but stalled; unlikely mover.

Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.

Why risky: No growth signal; thin margin for error on price.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Nov 2025

Net worth

£13.1k

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Hotels and similar accommodation

Sector: Accommodation & food service

Investor take

Pursue

Active trading company with a 76-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 19.7y

45/100

under pressure

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

· Oldest live charge is 19.7 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (76/100)

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

6 officers (1 active, 6 linked, 2 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

Network not yet resolved

Filing history

65 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

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 105 (micro)

Positive net assets

Net assets £13,103

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£13k

↑ 20% YoY

Current Assets

£11k

↑ 19% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-11-30	2024-11-30
Total assets	£230.2k	£227.9k
Current assets	£10.5k	£8.8k
Net assets	£13.1k	£10.9k

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

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (29 events)Click to expand

2026-03-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-01
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-07
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-03-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-06-25
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-08-16
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-05-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-08-05
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-11-09
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-09-07
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-11-10
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-04-11
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2009-08-28
➖
CASEY, Margaret Ann resigned
secretary
2006-08-31
🔒
Charge registered #2
Lender: The Royal Bank of Scotland PLC
2006-08-29
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
2006-03-08
➕
CASEY, Margaret Ann appointed
secretary
2006-03-08
➖
STONE, Hilary resigned
secretary
2006-03-08
➖
DAVIS, David resigned
director
2001-11-08
🏢
Company incorporated
As INVERCLOY LIMITED
2001-11-08
➕
STONE, Hilary appointed
director
2001-11-08
➕
STONE, Hilary appointed
secretary
2001-11-08
➕
BRIAN REID LTD. appointed
corporate-nominee-secretary
2001-11-08
➖
BRIAN REID LTD. resigned
corporate-nominee-secretary
2001-11-08
➕
DAVIS, David appointed
director
2001-11-08
➕
STEPHEN MABBOTT LTD. appointed
corporate-nominee-director
2001-11-08
➖
STEPHEN MABBOTT LTD. resigned
corporate-nominee-director

Owner dependency

100/100

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

+Sole director: Only one active director — all governance concentrated on one person.
+Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 76 — succession pressure is live.

Succession & seller-readiness

100/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
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

clean

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

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Ms Hilary Stone Individual · British · DOB 04/1950 · age 76	75–100%	—	75-100% shares	06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Active · Hospitality · KA postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
SIMPSINNS LIMITED→ SC220884 · est 2001	£4.78M £3.58M–£5.97M	—	—	255	24y	85	64y
WESTERN HOUSE CATERING LIMITED→ SC269741 · est 2004 · no financials extracted	—	—	—	—	21y	83	79y
AUNTIE PATS BOARDING KENNELS LTD→ SC355802 · est 2009	—	—	—	2	17y	82	59y
BRIG O'DOON LIMITED→ SC187703 · est 1998	—	—	—	0	27y	82	74y
CLOWANCE HOLDINGS LIMITED→ SC132922 · est 1991	—	—	£2.73M	—	34y	82	71y
COSTLEY INNS & WINE BARS LIMITED→ SC168509 · est 1996	—	—	—	0	29y	82	74y
D.J. DUNABIE (CARAVANS) LIMITED→ SC048808 · est 1971	—	—	—	3	54y	82	81y
FERGUSSON LEISURE LIMITED→ SC181660 · est 1997	—	—	—	2	28y	82	59y
LAGG PROPERTIES LTD→ SC260057 · est 2003	—	—	£75.9k	—	22y	82	58y
MURDOCH HOSPITALITY LIMITED→ SC263833 · est 2004	—	—	—	33	22y	82	66y
PEMBRAYR PROPERTIES (IRVINE) LIMITED→ SC259596 · est 2003	—	—	£1	—	22y	82	70y
SIENA DEVELOPMENTS LIMITED→ SC289950 · est 2005	—	—	£10.7k	—	20y	82	67y

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

8 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

Incorporated2001-11-08

Jurisdictionscotland

Primary SIC55100 — Hotels and similar accommodation

Registered office

Invercloy Hotel

Brodick

Isle Of Arran

KA27 8AJ

Filing status

Accounts

Next due: 2027-08-31

Last made up to: 2025-11-30

Confirmation statement

Next due: 2026-11-22

Last: 2025-11-08

Officers (1 active · 5 resigned)

STONE, Hilary→

director · ~76y · appointed 2001-11-08

View their other companies + combined net worth →

Active

CASEY, Margaret Ann→

secretary · appointed 2006-03-08 · resigned 2009-08-28

Resigned

STONE, Hilary→

secretary · appointed 2001-11-08 · resigned 2006-03-08

Resigned

BRIAN REID LTD.→

corporate-nominee-secretary · appointed 2001-11-08 · resigned 2001-11-08

Resigned

DAVIS, David→

director · ~87y · appointed 2001-11-08 · resigned 2006-03-08

Resigned

STEPHEN MABBOTT LTD.→

corporate-nominee-director · appointed 2001-11-08 · resigned 2001-11-08

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:2 of 2 shown

			Type	Properties
	outstanding	Lloyds Banking Group The Royal Bank of Scotland PLC	Standard security	1 property	31/08/2006	—
	outstanding	Lloyds Banking Group The Royal Bank of Scotland PLC	Bond & floating charge	1 property	29/08/2006	—

Click column headers to sort. Use filters above to narrow by status and lender.