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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 23.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2024
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Other accommodation
Sector: Accommodation & food service
Investor take
PursueActive 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 23.4y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 23.4 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: 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
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
5 active PSC(s) of 6 total, 6 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
120 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
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-08-31 | 2023-08-31 |
|---|---|---|
| Average employees | 200 | 200 |
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
12
filings
- • 8 mortgage
- • 4 persons-with-significant-control
Last 180 days
21
filings
- • 15 mortgage
- • 6 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (81 events)Click to expand
- 2026-02-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-02-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-02-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-03🔒Charge registered #42Lender: Aldermore Bank PLC
- 2026-02-03🔒Charge registered #41Lender: Aldermore Bank PLC
- 2026-02-03🔒Charge registered #40Lender: Aldermore Bank PLC
- 2026-02-03🔒Charge registered #39Lender: Aldermore Bank PLC
- 2026-02-03🔒Charge registered #38Lender: Aldermore Bank PLC
- 2026-02-03🔒Charge registered #37Lender: Aldermore Bank PLC
- 2026-02-03🔒Charge registered #36Lender: Aldermore Bank PLC
- 2026-02-03🔒Charge registered #35Lender: Aldermore Bank PLC
- 2026-01-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-26🔓Charge satisfied #27
- 2026-01-26🔓Charge satisfied #26
- 2026-01-26🔓Charge satisfied #22
- 2026-01-26🔓Charge satisfied #10
- 2026-01-26🔓Charge satisfied #7
- 2026-01-26🔓Charge satisfied #6
- 2026-01-26🔓Charge satisfied #5
- 2026-01-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-01-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-05-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2015-08-15🔓Charge satisfied #8
- 2010-10-28🔒Charge registered #34Lender: Aib Group (UK) PLC
- 2008-04-16🔒Charge registered #33Lender: Aib Group (UK) PLC
- 2007-12-21🔒Charge registered #32Lender: Aib Group (UK) PLC
- 2007-12-20🔒Charge registered #31Lender: Aib Group (UK) PLC
- 2006-03-14🔒Charge registered #30Lender: Aib Group (UK) PLC
- 2006-02-14🔒Charge registered #29Lender: Aib Group (UK) PLC
- 2006-01-09🔒Charge registered #28Lender: Aib Group (UK) PLC
- 2005-11-29🔒Charge registered #27Lender: Aib Group (UK) PLC
- 2005-04-26🔒Charge registered #26Lender: Aib Group (UK) PLC
- 2005-02-15🔒Charge registered #25Lender: Aib Group (UK) PLC
- 2005-01-25🔒Charge registered #24Lender: Aib Group (UK) PLC
Showing most recent 50 of 81 events
Owner dependency
91/100
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.
- +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 candidateStrong 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 low8 new charges in last 12 months
mediumHeavy 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
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
32 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
5 active beneficial owners · fragmented| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Xhosa Sarah Rene Howell Individual · British · DOB 08/1971 · age 55 | 25–50% | 25–50% | 25-50% shares · 25-50% voting · trust interest | 09/01/2026 |
Mr Simon Peter Benjamin Howell Individual · British · DOB 12/1966 · age 60 | 25–50% | 25–50% | 25-50% shares · 25-50% voting · trust interest | 09/01/2026 |
Mr Patricia Elizabeth Howell Individual · British · DOB 04/1948 · age 78 | 25–50% | 25–50% | 25-50% shares · 25-50% voting · trust interest | 09/01/2026 |
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 interest | 06/04/2016 |
Mr Simon Peter Howell Individual · British · DOB 12/1966 · age 60 | 25–50% | 25–50% | sig. influence25-50% shares · 25-50% voting · significant influence | 06/04/2016 |
1 historic (ceased) PSC
- 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.
🔒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 · PH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| LOCH RANNOCH HIGHLAND CLUB LTD→ SC640740 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| LOCH SHIEL HOTEL (ACHARACLE) LIMITED→ SC448548 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| LOCHABER HOTELS LIMITED→ SC174427 · est 1997 · no financials extracted | — | — | — | — | 29y | — | — |
| M&A FOODS (PERTH) LIMITED→ SC824248 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| MIKE & LENA SINGER LTD→ SC408898 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| MORTON'S (PITLOCHRY) LTD→ SC470242 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| NAE LIMITS CAFE LTD→ SC777619 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| NEVIS RANGE DEVELOPMENT COMPANY LIMITED→ SC113211 · est 1988 · no financials extracted | — | — | — | — | 37y | — | — |
| NHP (SCOTLAND) LIMITED→ SC424440 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| NIGEL STACY-MARKS LIMITED→ SC151085 · est 1994 · no financials extracted | — | — | — | — | 31y | — | — |
| NOV1717CB LTD→ SC875702 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| NTMAC LTD→ SC691530 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
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: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-08-28
Last: 2025-08-14
Officers (3 active · 2 resigned)
HOWELL, Karl Peter→
Activesecretary · appointed 2002-08-14
View their other companies + combined net worth →
HOWELL, Karl Peter→
Activedirector · ~80y · appointed 2002-08-14
View their other companies + combined net worth →
HOWELL, Simon Peter→
Activedirector · ~60y · appointed 2002-08-14
View their other companies + combined net worth →
BRIAN REID LTD.→
Resignedcorporate-nominee-secretary · appointed 2002-08-14 · resigned 2002-08-14
STEPHEN MABBOTT LTD.→
Resignedcorporate-nominee-director · appointed 2002-08-14 · resigned 2002-08-14
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 03/02/2026 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 2 properties | 03/02/2026 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 03/02/2026 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 03/02/2026 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 03/02/2026 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 03/02/2026 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 03/02/2026 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 03/02/2026 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 28/10/2010 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 16/04/2008 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 21/12/2007 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 20/12/2007 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 14/03/2006 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 14/02/2006 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 09/01/2006 | — | |
| satisfied | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 29/11/2005 | 26/01/2026 | |
| satisfied | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 26/04/2005 | 26/01/2026 | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 15/02/2005 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 25/01/2005 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 13/01/2005 | — | |
| satisfied | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 30/11/2004 | 26/01/2026 | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 30/07/2004 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 21/06/2004 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 11/05/2004 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 10/02/2004 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 22/01/2004 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 21/01/2004 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 21/01/2004 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 08/12/2003 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 04/12/2003 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 05/11/2003 | — | |
| satisfied | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 21/10/2003 | 26/01/2026 | |
| satisfied | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 22/07/2003 | 17/12/2003 | |
| satisfied | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 22/05/2003 | 15/08/2015 | |
| satisfied | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 01/04/2003 | 26/01/2026 | |
| satisfied | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 30/01/2003 | 26/01/2026 | |
| satisfied | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 30/01/2003 | 26/01/2026 | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 22/01/2003 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 07/01/2003 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Standard security | 1 property | 18/12/2002 | — | |
| outstanding | Aib Group (UK) Aib Group (UK) PLC | Floating charge | 1 property | 29/11/2002 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (120 total)
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
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-26
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-26