LOCH NESS GIFTS LIMITED
🌳Matureactive
SC230212 · ltd · incorporated 2002-04-11
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 20.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
£570.3k
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Other retail sale in non-specialised stores
Sector: Wholesale & retail
Investor take
PursueAsset-holding vehicle with a 61-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 61). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
1 live charge · oldest 20.2y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 20.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 2 with DOB)
77
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
76 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 declaredPositive net assets
Net assets £570,289
Cash YoY
+3%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£141k
↑ 2.7% YoY
Net Worth
£570k
~ YoY
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Cash | £140.6k | £137.0k |
| Net assets | £570.3k | £570.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2025-08-06📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-06📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-09-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-04-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-01-06🔓Charge satisfied #1
- 2021-08-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-06📄change-person-director-company-with-change-dateofficers · CH01
- 2018-04-06📄change-person-director-company-with-change-dateofficers · CH01
- 2017-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2007-03-05➕HAMBLIN, Teresa Jane appointedsecretary
- 2007-03-05➖MILLER, Denise resignedsecretary
- 2006-03-01🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2002-04-11🏢Company incorporatedAs LOCH NESS GIFTS LIMITED
- 2002-04-11➕MILLER, Denise appointeddirector
- 2002-04-11➕MILLER, Ian appointeddirector
- 2002-04-11➕MILLER, Denise appointedsecretary
- 2002-04-11➕BRIAN REID LTD. appointedcorporate-nominee-secretary
- 2002-04-11➖BRIAN REID LTD. resignedcorporate-nominee-secretary
- 2002-04-11➕STEPHEN MABBOTT LTD. appointedcorporate-nominee-director
- 2002-04-11➖STEPHEN MABBOTT LTD. resignedcorporate-nominee-director
Owner dependency
84/100
Critical — business is the founderThe 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.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
76/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 24 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Denise Miller Individual · British · DOB 06/1966 · age 60 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Ian Miller Individual · British · DOB 06/1965 · age 61 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 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
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|---|---|---|---|---|---|---|---|
| SKYE'S FINISHING TOUCHES LTD→ SC374899 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| SKYMOUNT LIMITED→ SC226228 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| SOUTH QUEENSFERRY HEALTHCARE LIMITED→ SC786565 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| SPEYSIDE ECO-HEAT LIMITED→ SC418480 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| STUFF'D UP LTD→ SC859379 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SUMMIT STRIDE LTD→ SC872021 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| SUPRAV FUELS & SHOP LIMITED→ SC814088 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| SWANSONS FRUIT COMPANY LIMITED→ SC249181 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| SWEETS + TREATS LTD→ SC711155 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| TARGET DISCOUNT LIMITED→ SC141884 · est 1992 · no financials extracted | — | — | — | — | 33y | — | — |
| TASK IN HAND LIMITED→ SC861733 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| TC INC LTD→ SC673645 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated2002-04-11
Jurisdictionscotland
Primary SIC47190 — Other retail sale in non-specialised stores
Registered office
Loch Ness Gifts The Green
Drumnadrochit
Inverness
Inverness-Shire
IV63 6TX
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2026-10-02
Last: 2025-09-18
Officers (3 active · 3 resigned)
HAMBLIN, Teresa Jane→
Activesecretary · appointed 2007-03-05
View their other companies + combined net worth →
MILLER, Denise→
Activedirector · ~60y · appointed 2002-04-11
View their other companies + combined net worth →
Active
MILLER, Denise→
Resignedsecretary · appointed 2002-04-11 · resigned 2007-03-05
BRIAN REID LTD.→
Resignedcorporate-nominee-secretary · appointed 2002-04-11 · resigned 2002-04-11
STEPHEN MABBOTT LTD.→
Resignedcorporate-nominee-director · appointed 2002-04-11 · resigned 2002-04-11
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 01/03/2006 | 06/01/2022 |
Recent filings (76 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-18
change-person-director-company-with-change-date
officers · CH01
2025-08-06
change-person-director-company-with-change-date
officers · CH01
2025-08-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-09
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-23
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-22
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-26
mortgage-satisfy-charge-full
mortgage · MR04
2022-01-06
confirmation-statement-with-updates
confirmation-statement · CS01
2021-09-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-03