THE LENDING CHANNEL LTD

🌳Matureactive
SC334818 · ltd · incorporated 2007-12-04
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 81/100 (exceptional), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (80/100)

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

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (4 active, 5 linked, 4 with DOB)
86
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
60 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Dec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Average employees21001700

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
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2025-09-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-10-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2023-10-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2023-10-27
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  6. 2023-10-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2023-05-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-02-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-05-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-02-16
    📍
    change-sail-address-company-with-old-address-new-address
    address · AD02
  11. 2020-10-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-02-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-01-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2018-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-08-23
    📄
    accounts-amended-with-made-up-date
    accounts · AAMD
  16. 2017-08-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2010-08-17
    ➕
    EWING, Murray appointed
    director
  18. 2010-02-01
    ➕
    EWING, Alistair appointed
    director
  19. 2010-01-31
    ➖
    EWING, Alistair resigned
    director
  20. 2007-12-04
    🏢
    Company incorporated
    As THE LENDING CHANNEL LTD
  21. 2007-12-04
    ➕
    EWING, Elaine appointed
    secretary
  22. 2007-12-04
    ➕
    EWING, Elaine appointed
    director
  23. 2007-12-04
    ➕
    EWING, Alistair appointed
    director

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

63/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • secondary12+ year tenure: Director in role 18 years.
  • secondaryStable-but-static management: Company is 18 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 Alistair Ewing
Individual · British · DOB 07/1965 · age 61
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Murray Ewing
Individual · British · DOB 08/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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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———30018y8267y
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———20021y8162y
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———20018y8058y
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————23y8061y
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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
Incorporated2007-12-04
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

2/1 King James Vi Business Centre
Friarton Road
Perth
PH2 8DY
Scotland

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-18
Last: 2025-12-04

Officers (4 active · 1 resigned)

EWING, Elaine→
secretary · appointed 2007-12-04
View their other companies + combined net worth →
Active
EWING, Alistair→
director · ~61y · appointed 2010-02-01
View their other companies + combined net worth →
Active
EWING, Elaine→
director · ~53y · appointed 2007-12-04
View their other companies + combined net worth →
Active
EWING, Murray→
director · ~59y · appointed 2010-08-17
View their other companies + combined net worth →
Active
EWING, Alistair→
director · ~61y · appointed 2007-12-04 · resigned 2010-01-31
Resigned

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

Recent filings (60 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-11
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-04
change-person-director-company-with-change-date
officers · CH01
2023-10-27
change-person-director-company-with-change-date
officers · CH01
2023-10-27
change-person-secretary-company-with-change-date
officers · CH03
2023-10-27
change-person-director-company-with-change-date
officers · CH01
2023-10-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-16