LOWS ORKNEY LIMITED

🌳Matureactive

SC372531 · ltd · incorporated 2010-02-08

Investment thesis

Property vehicle with a workable charge structure — clean refinance potential.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Dependent on title and valuation due diligence; standard property risks.

Opportunity decay

approaching window · 12-months

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

· Oldest live charge 6.7y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Feb 2025

Net worth

—

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Real estate agencies

Sector: Real estate

ALSO REGISTERED FOR

69102Solicitors

Investor take

Pursue

Property-backed borrower with a 65-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 6.7y

85/100

ready

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

· Oldest live charge is 6.7 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

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, 2 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

9 officers (4 active, 9 linked, 9 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

1 connected companies via shared directors

Filing history

55 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

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.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

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	2025-02-28	2024-02-29
Average employees	2800	2700

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

filing

• 1 capital

Last 90 days

filings

• 1 capital
• 1 confirmation-statement
• 1 resolution

Last 180 days

filings

• 1 capital
• 1 confirmation-statement
• 1 resolution

Counts from Companies House filing history.

Corporate timeline (34 events)Click to expand

2026-04-09
📄
capital-return-purchase-own-shares
capital · SH03
2026-03-09
📄
resolution
resolution · RESOLUTIONS
2026-03-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-03-05
➖
NICOLSON, Edward Thomson Cooper resigned
director
2025-09-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-03-01
➕
STEVENSON, Jennifer Christine appointed
director
2024-03-01
➖
PENNY, Euain James resigned
director
2023-08-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-02-28
➖
FAIRNIE, David John Morris resigned
director
2022-05-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-03-01
➕
THOMSON, Eoin James appointed
director
2021-07-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-07
📄
capital-cancellation-shares
capital · SH06
2021-05-07
📄
capital-return-purchase-own-shares
capital · SH03
2021-04-06
📄
resolution
resolution · RESOLUTIONS
2021-04-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-03-31
➖
FLETT, Roy John resigned
director
2020-06-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-06-09
📄
capital-allotment-shares
capital · SH01
2019-08-30
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
2016-02-29
➖
BRUCE, Alistair James resigned
director
2014-03-01
➕
SMITH, Catherine Marie appointed
director
2010-02-08
🏢
Company incorporated
As LOWS ORKNEY LIMITED
2010-02-08
➕
HILL, Duncan Mervin Norman appointed
director
2010-02-08
➕
BRUCE, Alistair James appointed
director
2010-02-08
➕
FAIRNIE, David John Morris appointed
director
2010-02-08
➕
FLETT, Roy John appointed
director
2010-02-08
➕
NICOLSON, Edward Thomson Cooper appointed
director
2010-02-08
➕
PENNY, Euain James appointed
director

Owner dependency

65/100

High — earn-out structure required

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

63/100

Strong succession signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
secondary12+ year tenure: Director in role 16 years.
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.)

🔒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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MKITH RENTALS LTD→ SC600373 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
MOOSE HOOSE HOLIDAYS LTD→ SC712199 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
NETTEL GROUP LIMITED→ SC659521 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
NEW VISION CAITHNESS LTD→ SC856422 · est 2025 · no financials extracted	—	—	—	—	—	—	—
NEWHOUSE RENEWABLES LTD→ SC663869 · est 2020 · no financials extracted	—	—	—	—	5y	—	—

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

Incorporated2010-02-08

Jurisdictionscotland

Primary SIC68310 — Real estate agencies

Registered office

5 Broad Street

Kirkwall

Orkney

KW15 1DH

Filing status

Accounts

Next due: 2026-11-30

Last made up to: 2025-02-28

Confirmation statement

Next due: 2027-02-22

Last: 2026-02-08

Officers (4 active · 5 resigned)

HILL, Duncan Mervin Norman→

director · ~65y · appointed 2010-02-08

View their other companies + combined net worth →

Active

SMITH, Catherine Marie→

director · ~42y · appointed 2014-03-01

View their other companies + combined net worth →

Active

STEVENSON, Jennifer Christine→

director · ~40y · appointed 2024-03-01

View their other companies + combined net worth →

Active

THOMSON, Eoin James→

director · ~40y · appointed 2022-03-01

View their other companies + combined net worth →

Active

BRUCE, Alistair James→

director · ~68y · appointed 2010-02-08 · resigned 2016-02-29

Resigned

FAIRNIE, David John Morris→

director · ~63y · appointed 2010-02-08 · resigned 2023-02-28

Resigned

FLETT, Roy John→

director · ~61y · appointed 2010-02-08 · resigned 2021-03-31

Resigned

NICOLSON, Edward Thomson Cooper→

director · ~60y · appointed 2010-02-08 · resigned 2026-03-05

Resigned

PENNY, Euain James→

director · ~61y · appointed 2010-02-08 · resigned 2024-03-01

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	Lloyds Banking Group The Royal Bank of Scotland PLC	A registered charge	1 property	30/08/2019	—

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

Recent filings (55 total)

capital-return-purchase-own-shares

capital · SH03

2026-04-09

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-03-11

resolution

resolution · RESOLUTIONS

2026-03-09

termination-director-company-with-name-termination-date

officers · TM01

2026-03-06

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-09-01

confirmation-statement-with-updates

confirmation-statement · CS01

2025-03-07

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-08-15

appoint-person-director-company-with-name-date

officers · AP01

2024-03-06

termination-director-company-with-name-termination-date

officers · TM01

2024-03-06

confirmation-statement-with-updates

confirmation-statement · CS01

2024-02-28

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-08-29

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-03-28

termination-director-company-with-name-termination-date

officers · TM01

2023-03-02

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-05-31

confirmation-statement-with-updates

confirmation-statement · CS01

2022-03-02