LOVATS LIMITED

🌳Matureactive
SC297538 · ltd · incorporated 2006-02-22
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 18.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£38.9k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Retail sale in non-specialised stores with food, beverages or tobacco predominating
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 78-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 78). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 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

1 live charge · oldest 18.8y

65/100
clean up first

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

  • · Oldest live charge is 18.8 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (72/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
50 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 declared
Positive net assets
Net assets £38,904

Key financials

1 year extracted from filed iXBRL accounts
Cash
£60k
Net Worth
£39k
Current Assets
£251k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-31
Total assets£103.6k
Current assets£251.1k
Cash£60.3k
Debtors£190.8k
Net assets£38.9k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 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
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2025-09-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-07-24
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  3. 2025-01-22
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  4. 2024-12-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-12-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-12-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-12-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-02-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-12-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-12-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-12-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2016-12-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-03-07
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-08-13
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-02-25
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2007-09-05
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  17. 2006-02-22
    🏢
    Company incorporated
    As LOVATS LIMITED
  18. 2006-02-22
    ➕
    HOGG, Donna Marie appointed
    secretary
  19. 2006-02-22
    ➕
    HOGG, Dolina appointed
    director
  20. 2006-02-22
    ➕
    HOGG, Donna Marie appointed
    director
  21. 2006-02-22
    ➕
    HOGG, William Arthur appointed
    director

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 78 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100
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 78 years old. Natural succession window is now.
  • 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
NameSharesVoting rightsNature of controlNotified
Mr William Arthur Hogg
Individual · British · DOB 05/1948 · age 78
25–50%
—25-50% shares06/04/2016
Mrs Dolina Hogg
Individual · British · DOB 09/1949 · age 77
25–50%
—25-50% shares06/04/2016

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 →

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

7 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
Incorporated2006-02-22
Jurisdictionscotland
Primary SIC47110 — Retail sale in non-specialised stores with food, beverages or tobacco predominating

Registered office

Carnan, Eochar
Lochboisdale
Isle Of South Uist
Western Isles
HS8 5QX

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-08
Last: 2026-02-22

Officers (4 active · 0 resigned)

HOGG, Donna Marie→
secretary · appointed 2006-02-22
View their other companies + combined net worth →
Active
HOGG, Dolina→
director · ~77y · appointed 2006-02-22
View their other companies + combined net worth →
Active
HOGG, Donna Marie→
director · ~51y · appointed 2006-02-22
View their other companies + combined net worth →
Active
HOGG, William Arthur→
director · ~78y · appointed 2006-02-22
View their other companies + combined net worth →
Active

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property05/09/2007—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (50 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-22
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2025-07-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-27
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2025-01-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-27
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-06
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-05
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-03
accounts-with-accounts-type-micro-entity
accounts · AA
2021-02-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-26