LOCHABER FARM SHOP LIMITED

🌳Matureactive

SC297393 · ltd · incorporated 2006-02-20

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 18.7y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Feb 2025

Net worth

£91.1k

book net assets

Opportunity

82/100

Exceptional

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Other retail sale of food in specialised stores

Sector: Wholesale & retail

Investor take

Pursue

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

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 58). 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 (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 18.7y

50/100

clean up first

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

· Oldest live charge is 18.7 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 25/100 — workable, but lender will want more DD.

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

5 officers (3 active, 5 linked, 2 with DOB)

Ownership & PSC

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

Director network

Network not yet resolved

Filing history

52 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 £91,118

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£91k

↑ 8.0% YoY

Current Assets

£5k

↑ 87% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-02-28	2024-02-29
Total assets	£108.1k	£108.3k
Current assets	£5.0k	£2.7k
Net assets	£91.1k	£84.4k

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 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (25 events)Click to expand

2025-09-02
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-05
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-11-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-07-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-08-02
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-08-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-09-30
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-03-16
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-11-17
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-03-09
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-06-25
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-03-14
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2007-12-04
🔒
Charge registered #2
Lender: Bank of Scotland PLC
2007-08-20
🔒
Charge registered #1
Lender: The Governor and Company of the Bank of Scotland
2006-02-20
🏢
Company incorporated
As LOCHABER FARM SHOP LIMITED
2006-02-20
➕
MACINTOSH, Alison Barbara appointed
secretary
2006-02-20
➕
MACINTOSH, Alasdair Donald appointed
director
2006-02-20
➕
MACINTOSH, Alison Barbara appointed
director
2006-02-20
➕
BRIAN REID LTD. appointed
corporate-nominee-secretary
2006-02-20
➖
BRIAN REID LTD. resigned
corporate-nominee-secretary
2006-02-20
➕
STEPHEN MABBOTT LTD. appointed
corporate-nominee-director
2006-02-20
➖
STEPHEN MABBOTT LTD. resigned
corporate-nominee-director

Owner dependency

84/100

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 20 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 58 — 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 candidate

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 20 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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mrs Alison Barbara Macintosh Individual · British · DOB 07/1970 · age 56	25–50%	—	25-50% shares	06/04/2016
Mr Alasdair Donald Macintosh Individual · British · DOB 01/1968 · age 58	25–50%	—	25-50% shares	06/04/2016

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

Similar companies

Active · Retail · PH postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BROOMHALL LIMITED→ SC183103 · est 1998	—	—	—	29	28y	83	63y
D M (AGRI-SUPPLIES) LTD→ SC253917 · est 2003	—	—	—	3	22y	83	64y
THE CORPORATE CHRISTMAS TREE COMPANY LIMITED→ SC183535 · est 1998	—	—	—	15	28y	83	58y
ABERLOUR FILLING STATION LIMITED→ SC263273 · est 2004	—	—	—	0	22y	82	58y
BELINDA ROBERTSON RETAIL LIMITED→ SC234891 · est 2002	—	—	£306.2k	—	23y	82	67y
BRAIDPARK LTD.→ SC239372 · est 2002	—	—	£3.2k	—	23y	82	75y
GLENDOICK GARDENS LIMITED→ SC040028 · est 1964	—	—	—	41	62y	82	65y
L & M KILMINSTER LIMITED→ SC274304 · est 2004	—	—	£358.5k	—	21y	82	68y
REN ET VOIGT LIMITED→ SC283336 · est 2005 · no financials extracted	—	—	—	—	20y	—	—
THE HORSE SHOP LTD→ SC860586 · est 2025 · no financials extracted	—	—	—	—	—	—	—
THE STRATHEARN GALLERY LIMITED→ SC446644 · est 2013 · no financials extracted	—	—	—	—	13y	—	—
TOUCH OF ASIA LTD→ SC857770 · est 2025 · no financials extracted	—	—	—	—	—	—	—

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

Incorporated2006-02-20

Jurisdictionscotland

Primary SIC47290 — Other retail sale of food in specialised stores

Registered office

Clunebeg Cottage Clunebeg Cottage

6 Stronaba

By Spean Bridge

Inverness-Shire

PH34 4DX

Filing status

Accounts

Next due: 2026-11-30

Last made up to: 2025-02-28

Confirmation statement

Next due: 2027-03-06

Last: 2026-02-20

Officers (3 active · 2 resigned)

MACINTOSH, Alison Barbara→

secretary · appointed 2006-02-20

View their other companies + combined net worth →

Active

MACINTOSH, Alasdair Donald→

director · ~58y · appointed 2006-02-20

View their other companies + combined net worth →

Active

MACINTOSH, Alison Barbara→

director · ~56y · appointed 2006-02-20

View their other companies + combined net worth →

Active

BRIAN REID LTD.→

corporate-nominee-secretary · appointed 2006-02-20 · resigned 2006-02-20

Resigned

STEPHEN MABBOTT LTD.→

corporate-nominee-director · appointed 2006-02-20 · resigned 2006-02-20

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 Bank of Scotland PLC	Standard security	1 property	04/12/2007	—
	outstanding	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Bond & floating charge	1 property	20/08/2007	—

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