LLOYD GRIFFITHS LIMITED

🌳Matureactive
SC324462 · ltd · incorporated 2007-05-29
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 18.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
—
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Other human health activities
Sector: Human health & social work
Investor take
Pursue
Strong opportunity: conservative operator with strong profile and bankable structure.

Opportunity 77/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (88/100).

🏦

Refinance opportunity

1 live charge · oldest 18.6y

95/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 18.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.
  • · Profitable and stable/growing — lender coverage supportable.

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
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
Network not yet resolved
30
Filing history
69 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Profitable
Profit before tax £155,775

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£21k£42k£63k£84k£105kOct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-10-312023-10-31
Gross profit£361.9k—
Operating profit£156.2k—
Profit before tax£155.8k—
Total assets—£102.8k
Current assets—£105.2k
Cash—£61.8k
Debtors—£10.2k
Net assets—£65.0k
Average employees0—

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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2025-05-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2024-05-30
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2024-05-30
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2024-05-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2024-03-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2024-03-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2023-06-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-04-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-03-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-07-25
    📄
    capital-allotment-shares
    capital · SH01
  12. 2019-06-19
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2019-04-23
    ➕
    STEPHEN, Frances Mary appointed
    director
  14. 2019-04-23
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  15. 2019-04-23
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  16. 2019-04-23
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2019-02-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2019-02-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2019-02-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2018-09-24
    🔓
    Charge satisfied #1
  21. 2018-09-13
    ➖
    LC SECRETARIES LIMITED resigned
    corporate-secretary
  22. 2013-05-15
    ➕
    LC SECRETARIES LIMITED appointed
    corporate-secretary
  23. 2010-05-29
    ➖
    LC SECRETARIES LIMITED resigned
    corporate-secretary
  24. 2007-10-05
    ➕
    GRIFFITHS, Michaela Victoria appointed
    secretary
  25. 2007-09-17
    🔒
    Charge registered #1
    Lender: Lloyds Tsb Scotland PLC
  26. 2007-06-19
    ➕
    GRIFFITHS, Andrew Lloyd appointed
    director
  27. 2007-06-19
    ➖
    LEDGE SERVICES LIMITED resigned
    corporate-director
  28. 2007-05-29
    🏢
    Company incorporated
    As LLOYD GRIFFITHS LIMITED
  29. 2007-05-29
    ➕
    LC SECRETARIES LIMITED appointed
    corporate-secretary
  30. 2007-05-29
    ➕
    LEDGE SERVICES LIMITED appointed
    corporate-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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "GRIFFITHS" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

59/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 19 years.
  • secondaryStable-but-static management: Company is 19 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
Mrs Frances Mary Stephen
Individual · British · DOB 11/1971 · age 55
25–50%
25–50%sig. influence25-50% shares · 25-50% voting · significant influence · firm interest23/04/2019
Mr Andrew Lloyd Griffiths
Individual · Irish · DOB 02/1980 · age 46
25–50%
25–50%sig. influence25-50% shares · 25-50% voting · significant influence · firm interest06/04/2016

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

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
Incorporated2007-05-29
Jurisdictionscotland
Primary SIC86900 — Other human health activities

Registered office

32 South Street, Elgin Lloyd Griffiths Eyecare
32 South Street
Elgin
Moray
IV30 1JX
Scotland

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-06-12
Last: 2025-05-29

Officers (3 active · 3 resigned)

GRIFFITHS, Michaela Victoria→
secretary · appointed 2007-10-05
View their other companies + combined net worth →
Active
GRIFFITHS, Andrew Lloyd→
director · ~46y · appointed 2007-06-19
View their other companies + combined net worth →
Active
STEPHEN, Frances Mary→
director · ~55y · appointed 2019-04-23
View their other companies + combined net worth →
Active
LC SECRETARIES LIMITED→
corporate-secretary · appointed 2013-05-15 · resigned 2018-09-13
Resigned
LC SECRETARIES LIMITED→
corporate-secretary · appointed 2007-05-29 · resigned 2010-05-29
Resigned
LEDGE SERVICES LIMITED→
corporate-director · appointed 2007-05-29 · resigned 2007-06-19
Resigned

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
TypeProperties
satisfied
Lloyds Banking Group
Lloyds Tsb Scotland PLC
Bond & floating charge1 property17/09/200724/09/2018

Recent filings (69 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-30
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-05-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-03-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-03-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-29