LOANS COMMUNITY CENTRE LTD

🌳Matureactive

SC380170 · private-limited-guarant-nsc · incorporated 2010-06-11

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.

Why now

Window opening · medium confidence

More negotiable than before — 1 signals weakening over the last 30 days.

· Hygiene score: 90 → 85

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

What changed my view

Last 30 days

Picture worsened over the last 30 days — 1 negative signal vs 0 positive.

↓Hygiene score: 90 → 85

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

81/100

Exceptional

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

What this business does

Primary activity: Activities of other membership organisations n.e.c.

Sector: Other service activities

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: share sale to pe / searcher (65/100).

Data confidence

Overall: medium (56/100)

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

No iXBRL financials extracted

Lenders & charges

Confirmed no charges registered

Directors & officers

21 officers (5 active, 21 linked, 18 with DOB)

Ownership & PSC

2 active PSC(s) of 5 total, 5 with control declared

Director network

1 connected companies via shared directors

Filing history

81 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

81/100Exceptional

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

Good data coverage for analysis.

Recent activity

Last 30 days

filings

• 3 officers
• 1 confirmation-statement

Last 90 days

filings

• 3 officers
• 1 confirmation-statement

Last 180 days

filings

• 3 officers
• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (58 events)Click to expand

2026-06-22
📄
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2026-06-19
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-06-19
📄
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2026-06-14
➖
STUART, Pamela resigned
director
2026-03-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-22
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-04-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-04-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-04-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-04-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-04-12
➕
WILLIAMSON, Paul appointed
director
2025-04-07
➕
LOCKIE, Robert Norwell appointed
director
2025-04-07
➖
MACKENZIE, Lynfryn Mary resigned
director
2025-04-07
➕
STUART, Pamela appointed
director
2025-04-07
➖
SUGDEN, Neil resigned
director
2025-03-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-10
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-03-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-03-05
➖
STEVENSON, Lavinia resigned
director
2024-02-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-06-25
➖
MACGILLIVRAY, Ann Tracey resigned
director
2023-02-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-01-20
➕
MACKENZIE, Lynfryn Mary appointed
director
2022-10-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-10
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-06-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-06-07
➖
LOCKIE, William Russell resigned
director
2021-11-26
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-11-26
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-11-19
➕
MACGILLIVRAY, Ann Tracey appointed
director
2021-11-19
➕
STEVENSON, Lavinia appointed
director
2021-11-19
➕
SUGDEN, Neil appointed
director
2021-07-28
➖
HAEMPEL, Janette resigned
director
2018-10-18
➖
ROBERTSON, Margaret resigned
director
2018-02-05
➖
BARKER, Elizabeth Jane resigned
director
2018-02-05
➕
HAEMPEL, Janette appointed
director
2017-02-03
➕
BARKER, Elizabeth Jane appointed
director
2017-02-03
➖
EDDOLLS, Adrian William Comely resigned
director
2016-12-25
➖
SMITH, Alex resigned
director
2016-02-05
➕
ARCHIBALD, Robin appointed
director
2016-02-05
➖
BRUCE, David resigned
director
2016-02-05
➕
EDDOLLS, Adrian William Comely appointed
director
2016-02-05
➕
LOCKIE, William Russell appointed
director
2016-02-05
➕
ROBERTSON, Margaret appointed
director
2012-12-07
➕
HICKMAN, Veronica appointed
secretary
2012-11-02
➖
PRATT, Elizabeth Mcnaught resigned
secretary
2012-11-02
➖
PRATT, Elizabeth Mcnaught resigned
director
2012-03-13
➖
MACLENNAN, Iain James Hiddleston resigned
director
2011-12-02
➕
BRUCE, David appointed
director

Showing most recent 50 of 58 events

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 85 — succession pressure is live.

Succession & seller-readiness

73/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 85 years old. Natural succession window is now.
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.)

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mrs Veronica Hickman Individual · British · DOB 04/1945 · age 81	—	—	sig. influencesignificant influence · trust interest	30/06/2016
Mr Robin Archibald Individual · British · DOB 09/1941 · age 85	—	—	sig. influencesignificant influence · trust interest	30/06/2016

3 historic (ceased) PSCs

Ms Elizabeth Jane Barkerceased 05/02/2018· significant influence · trust interest
Mr William Russell Lockieceased 07/06/2022· significant influence · trust interest
Mrs Margaret Robertsonceased 29/10/2018· significant influence · trust interest

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 →

Similar companies

Active · Other · KA postcode area

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EMERGENCY ONE LIMITED→ SC120320 · est 1989	—	—	—	—	36y	83	58y
THE AYRSHIRE CHAMBER OF COMMERCE AND INDUSTRY→ SC119799 · est 1989	—	—	—	1600	36y	83	63y
EAST AYRSHIRE ADVOCACY SERVICES LIMITED→ SC218532 · est 2001 · no financials extracted	—	—	—	—	25y	81	71y
LOW GREEN & AYR SEAFRONT TRUST LIMITED→ SC213108 · est 2000	—	—	£29.8k	—	25y	81	82y
THE ARRAN TRUST→ SC392051 · est 2011	—	—	£18.1k	—	15y	81	74y
THE AYR ARK→ SC235453 · est 2002 · no financials extracted	—	—	—	—	23y	81	81y
THE EMMANUEL CHRISTIAN CENTRE→ SC312361 · est 2006	—	—	£39.9k	—	19y	81	81y
THE SCOTTISH FIDDLE ORCHESTRA→ SC310900 · est 2006 · no financials extracted	—	—	—	—	19y	81	71y
THE SGIAN DUBH COMPANY LIMITED→ SC214282 · est 2000	—	—	—	—	25y	81	70y
VETERANS OF SCOTTISH MOTORSPORT ASSOCIATION→ SC302075 · est 2006	—	—	£3.3k	—	20y	81	85y
ACTIVE MECHANICAL SERVICES LIMITED→ SC352547 · est 2008	—	—	—	—	17y	80	62y
BILLY BOWIE TANKER SERVICES LIMITED→ SC174588 · est 1997	—	—	—	1	29y	80	60y

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.

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Company details

Statusactive

Typeprivate-limited-guarant-nsc

Incorporated2010-06-11

Jurisdictionscotland

Primary SIC94990 — Activities of other membership organisations n.e.c.

Registered office

104 Main Street

Prestwick

Ayrshire

KA9 1PA

Scotland

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2027-06-24

Last: 2026-06-10