LOYAL DEVELOPMENTS LTD.

🌳Matureactive
SC235365 · ltd · incorporated 2002-08-14
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 23.6y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
—
book net assets
Opportunity
73/100
Strong
🔔
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What this business does
Primary activity: Other accommodation
Sector: Accommodation & food service
Investor take
Pursue
Active trading company with a 80-year-old founder — textbook succession opportunity.

Opportunity 73/100 (strong), bankability 65/100. Strong seller-intent signal (83/100, director aged 80). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 24 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

41 live charges · 2 lenders · oldest 23.6y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 23.6 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
41 charges (41/41 with lender, 41/41 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
4 active PSC(s) of 6 total, 6 with control declared
90
Director network
Network not yet resolved
30
Filing history
122 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Key financials

3 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Aug 2023Aug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-08-312024-08-312023-08-31
Average employees200200200

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
2
filings
  • • 1 accounts
  • • 1 persons-with-significant-control
Last 180 days
23
filings
  • • 15 mortgage
  • • 7 persons-with-significant-control
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (82 events)Click to expand
  1. 2026-05-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2026-05-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  3. 2026-02-26
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2026-02-26
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  5. 2026-02-26
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  6. 2026-02-26
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  7. 2026-02-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2026-02-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2026-02-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2026-02-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2026-02-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2026-02-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2026-02-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2026-02-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2026-02-03
    🔒
    Charge registered #42
    Lender: Aldermore Bank PLC
  16. 2026-02-03
    🔒
    Charge registered #41
    Lender: Aldermore Bank PLC
  17. 2026-02-03
    🔒
    Charge registered #40
    Lender: Aldermore Bank PLC
  18. 2026-02-03
    🔒
    Charge registered #39
    Lender: Aldermore Bank PLC
  19. 2026-02-03
    🔒
    Charge registered #38
    Lender: Aldermore Bank PLC
  20. 2026-02-03
    🔒
    Charge registered #37
    Lender: Aldermore Bank PLC
  21. 2026-02-03
    🔒
    Charge registered #36
    Lender: Aldermore Bank PLC
  22. 2026-02-03
    🔒
    Charge registered #35
    Lender: Aldermore Bank PLC
  23. 2026-01-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  24. 2026-01-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  25. 2026-01-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  26. 2026-01-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  27. 2026-01-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  28. 2026-01-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  29. 2026-01-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  30. 2026-01-26
    🔓
    Charge satisfied #27
  31. 2026-01-26
    🔓
    Charge satisfied #26
  32. 2026-01-26
    🔓
    Charge satisfied #22
  33. 2026-01-26
    🔓
    Charge satisfied #10
  34. 2026-01-26
    🔓
    Charge satisfied #7
  35. 2026-01-26
    🔓
    Charge satisfied #6
  36. 2026-01-26
    🔓
    Charge satisfied #5
  37. 2026-01-19
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  38. 2026-01-19
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  39. 2025-05-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  40. 2015-08-15
    🔓
    Charge satisfied #8
  41. 2010-10-28
    🔒
    Charge registered #34
    Lender: Aib Group (UK) PLC
  42. 2008-04-16
    🔒
    Charge registered #33
    Lender: Aib Group (UK) PLC
  43. 2007-12-21
    🔒
    Charge registered #32
    Lender: Aib Group (UK) PLC
  44. 2007-12-20
    🔒
    Charge registered #31
    Lender: Aib Group (UK) PLC
  45. 2006-03-14
    🔒
    Charge registered #30
    Lender: Aib Group (UK) PLC
  46. 2006-02-14
    🔒
    Charge registered #29
    Lender: Aib Group (UK) PLC
  47. 2006-01-09
    🔒
    Charge registered #28
    Lender: Aib Group (UK) PLC
  48. 2005-11-29
    🔒
    Charge registered #27
    Lender: Aib Group (UK) PLC
  49. 2005-04-26
    🔒
    Charge registered #26
    Lender: Aib Group (UK) PLC
  50. 2005-02-15
    🔒
    Charge registered #25
    Lender: Aib Group (UK) PLC
Showing most recent 50 of 82 events

Owner dependency

91/100
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.
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 80 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100
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 80 years old. Natural succession window is now.
  • 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

2 med · 1 low
8 new charges in last 12 months
medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2026-02-03: A registered charge; 2026-02-03: A registered charge; 2026-02-03: A registered charge

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.

32 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

4 active beneficial owners · fragmented
NameSharesVoting rightsNature of controlNotified
Mrs Xhosa Sarah Rene Howell
Individual · British · DOB 08/1971 · age 55
25–50%
25–50%25-50% shares · 25-50% voting · trust interest09/01/2026
Mr Simon Peter Benjamin Howell
Individual · British · DOB 12/1966 · age 60
25–50%
25–50%25-50% shares · 25-50% voting · trust interest09/01/2026
Mr Patricia Elizabeth Howell
Individual · British · DOB 04/1948 · age 78
25–50%
25–50%25-50% shares · 25-50% voting · trust interest09/01/2026
Mr Karl Peter Howell
Individual · British · DOB 10/1946 · age 80
25–50%
25–50%sig. influence25-50% shares · 25-50% voting · significant influence · trust interest06/04/2016
2 historic (ceased) PSCs
  • Mr Simon Peter Howellceased 01/04/2026· 25-50% shares · 25-50% voting · significant influence
  • Mrs Xhosa Sarah Rene Howellceased 06/04/2016· 25-50% shares · 25-50% voting

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

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

9 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
Incorporated2002-08-14
Jurisdictionscotland
Primary SIC55900 — Other accommodation

Registered office

Strathmore Golf Centre Leroch
Alyth
Blairgowrie
Perthshire
PH11 8NZ

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-08-28
Last: 2025-08-14

Officers (3 active · 2 resigned)

HOWELL, Karl Peter→
secretary · appointed 2002-08-14
View their other companies + combined net worth →
Active
HOWELL, Karl Peter→
director · ~80y · appointed 2002-08-14
View their other companies + combined net worth →
Active
HOWELL, Simon Peter→
director · ~60y · appointed 2002-08-14
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-nominee-secretary · appointed 2002-08-14 · resigned 2002-08-14
Resigned
STEPHEN MABBOTT LTD.→
corporate-nominee-director · appointed 2002-08-14 · resigned 2002-08-14
Resigned

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

Mortgages & charges

41
Total charges
32
Outstanding
2
Active lenders
Status:Lender:41 of 41 shown
TypeProperties
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property03/02/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge2 properties03/02/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property03/02/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property03/02/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property03/02/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property03/02/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property03/02/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property03/02/2026—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property28/10/2010—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property16/04/2008—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property21/12/2007—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property20/12/2007—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property14/03/2006—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property14/02/2006—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property09/01/2006—
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property29/11/200526/01/2026
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property26/04/200526/01/2026
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property15/02/2005—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property25/01/2005—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property13/01/2005—
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property30/11/200426/01/2026
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property30/07/2004—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property21/06/2004—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property11/05/2004—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property10/02/2004—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property22/01/2004—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property21/01/2004—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property21/01/2004—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property08/12/2003—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property04/12/2003—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property05/11/2003—
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property21/10/200326/01/2026
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property22/07/200317/12/2003
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property22/05/200315/08/2015
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property01/04/200326/01/2026
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property30/01/200326/01/2026
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property30/01/200326/01/2026
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property22/01/2003—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property07/01/2003—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property18/12/2002—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Floating charge1 property29/11/2002—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (122 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-06
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-05-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-02-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-02-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-02-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-10
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-26