BEN LOMOND (GLASGOW) LTD

💤Zombieactive
SC415592 · ltd · incorporated 2012-01-27
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
What changed my view
Last 30 days

No material changes in the last 30 days.

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
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
77/100
Strong
🔔
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (65/100, director aged 58). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

22 live charges · 2 lenders · oldest 14.2y

30/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 14.2 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: high (82/100)

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
22 charges (22/22 with lender, 22/22 with type)
90
Directors & officers
5 officers (1 active, 5 linked, 3 with DOB)
82
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
98 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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
70
Strong succession / seller-readiness signals.
Risk profile
77
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
—
£0£541k£1.1m£1.6m£2.2m£2.7mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets—£3.42M
Current assets—£27.6k
Cash—£19.0k
Debtors—£8.7k
Net assets—£2.70M
Average employees1—

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
6
filings
  • • 4 mortgage
  • • 2 persons-with-significant-control
Last 180 days
8
filings
  • • 4 mortgage
  • • 2 persons-with-significant-control
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (75 events)Click to expand
  1. 2026-03-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  2. 2026-03-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2026-03-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2026-03-24
    🔓
    Charge satisfied #22
  5. 2026-03-24
    🔓
    Charge satisfied #21
  6. 2026-03-24
    🔓
    Charge satisfied #20
  7. 2026-03-18
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2026-03-18
    🔓
    Charge satisfied #19
  9. 2026-03-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  10. 2026-03-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  11. 2025-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2025-02-13
    📄
    memorandum-articles
    incorporation · MA
  13. 2025-01-20
    📄
    memorandum-articles
    incorporation · MA
  14. 2025-01-16
    📄
    resolution
    resolution · RESOLUTIONS
  15. 2024-12-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2024-12-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2024-12-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2024-12-23
    🔒
    Charge registered #22
    Lender: Bank of Scotland PLC
  19. 2024-12-23
    🔒
    Charge registered #21
    Lender: Bank of Scotland PLC
  20. 2024-12-23
    🔒
    Charge registered #20
    Lender: Bank of Scotland PLC
  21. 2024-12-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  22. 2024-12-19
    🔒
    Charge registered #19
    Lender: Bank of Scotland PLC
  23. 2024-12-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2024-10-15
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  25. 2023-11-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  26. 2023-10-16
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  27. 2022-10-28
    📄
    capital-return-purchase-own-shares
    capital · SH03
  28. 2022-10-27
    📄
    capital-cancellation-shares
    capital · SH06
  29. 2022-10-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  30. 2020-07-08
    🔓
    Charge satisfied #18
  31. 2020-07-08
    🔓
    Charge satisfied #17
  32. 2020-07-08
    🔓
    Charge satisfied #16
  33. 2020-07-08
    🔓
    Charge satisfied #15
  34. 2020-07-08
    🔓
    Charge satisfied #14
  35. 2020-07-08
    🔓
    Charge satisfied #13
  36. 2020-07-08
    🔓
    Charge satisfied #12
  37. 2020-07-08
    🔓
    Charge satisfied #11
  38. 2020-07-08
    🔓
    Charge satisfied #10
  39. 2020-07-08
    🔓
    Charge satisfied #9
  40. 2020-07-08
    🔓
    Charge satisfied #8
  41. 2020-07-08
    🔓
    Charge satisfied #7
  42. 2020-07-08
    🔓
    Charge satisfied #6
  43. 2020-07-06
    🔓
    Charge satisfied #5
  44. 2017-04-21
    🔒
    Charge registered #18
    Lender: Bank of Scotland PLC
  45. 2017-04-21
    🔒
    Charge registered #17
    Lender: Bank of Scotland PLC
  46. 2017-04-21
    🔒
    Charge registered #16
    Lender: Bank of Scotland PLC
  47. 2017-04-21
    🔒
    Charge registered #15
    Lender: Bank of Scotland PLC
  48. 2017-04-21
    🔒
    Charge registered #14
    Lender: Bank of Scotland PLC
  49. 2017-04-21
    🔒
    Charge registered #13
    Lender: Bank of Scotland PLC
  50. 2017-04-21
    🔒
    Charge registered #12
    Lender: Bank of Scotland PLC
Showing most recent 50 of 75 events

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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

68/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 14 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Jcm Estates (Glasgow) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Jcm Estates (Glasgow) Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
BEN LOMOND (GLASGOW) LTD
This company · SC415592

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Jcm Estates (Glasgow) Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control27/02/2026
1 historic (ceased) PSC
  • Mr Stephen John Mckechnieceased 27/02/2026· 75-100% shares · 75-100% voting · board control

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

8 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
Incorporated2012-01-27
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

6th Floor
Gordon Chambers 90 Mitchell Street
Glasgow
G1 3NQ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-07
Last: 2025-12-24

Officers (1 active · 4 resigned)

MCKECHNIE, Stephen John→
director · ~58y · appointed 2012-01-27
View their other companies + combined net worth →
Active
COSEC LIMITED→
corporate-secretary · appointed 2012-01-27 · resigned 2012-01-27
Resigned
MCGREGOR, Ian→
director · ~62y · appointed 2012-01-27 · resigned 2016-08-15
Resigned
MCMEEKIN, James Stuart→
director · ~59y · appointed 2012-01-27 · resigned 2012-01-27
Resigned
COSEC LIMITED→
corporate-director · appointed 2012-01-27 · resigned 2012-01-27
Resigned

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

Mortgages & charges

22
Total charges
0
Outstanding
0
Active lenders
Status:Lender:22 of 22 shown
TypeProperties
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property23/12/202424/03/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property23/12/202424/03/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property23/12/202424/03/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—19/12/202418/03/2026
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties21/04/201708/07/2020
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties21/04/201708/07/2020
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property21/04/201708/07/2020
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties21/04/201708/07/2020
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties21/04/201708/07/2020
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties21/04/201708/07/2020
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties21/04/201708/07/2020
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties21/04/201708/07/2020
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties21/04/201708/07/2020
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties21/04/201708/07/2020
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties21/04/201708/07/2020
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties21/04/201708/07/2020
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties21/04/201708/07/2020
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—07/04/201706/07/2020
satisfied
Svenska Handelsbanken Ab (Publ)
Standard security2 properties26/03/201222/03/2017
satisfied
Svenska Handelsbanken Ab (Publ)
Standard security1 property26/03/201222/03/2017
satisfied
Svenska Handelsbanken Ab (Publ)
Standard security1 property26/03/201222/03/2017
satisfied
Svenska Handelsbanken Ab (Publ)
Bond & floating charge1 property16/03/201222/03/2017

Recent filings (98 total)

mortgage-satisfy-charge-full
mortgage · MR04
2026-03-24
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-24
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-24
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-03-09
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-03-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-19
memorandum-articles
incorporation · MA
2025-02-13
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-12
memorandum-articles
incorporation · MA
2025-01-20
resolution
resolution · RESOLUTIONS
2025-01-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-27