NORTHLOCH LIMITED

🌳Matureactive

SC421200 · ltd · incorporated 2012-04-04

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

approaching window · 12-months

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

· Oldest live charge 10.4y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jan 2025

Net worth

—

book net assets

Opportunity

75/100

Strong

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

What this business does

Primary activity: Other business support service activities n.e.c.

Sector: Administrative & support services

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 80/100. 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 (58/100).

🏦

Refinance opportunity

1 live charge · oldest 10.4y

85/100

ready

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

· Oldest live charge is 10.4 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

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

Lenders & charges

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

Directors & officers

4 officers (2 active, 4 linked, 3 with DOB)

Ownership & PSC

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

Director network

4 connected companies via shared directors

Filing history

38 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

75/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

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 · accounting standard unknown

Metric	2025-01-31	2024-01-31
Average employees	200	200

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

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (23 events)Click to expand

2025-10-10
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-10-24
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-04-16
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2018-10-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-10-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2016-11-04
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-04-19
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2016-01-08
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2015-12-23
🔒
Charge registered #1
Lender: Hsbc Bank PLC
2015-11-06
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-10-29
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2012-04-04
🏢
Company incorporated
As NORTHLOCH LIMITED
2012-04-04
➕
RUSSELL, Charles William appointed
director
2012-04-04
➕
RUSSELL, Jillian Mary appointed
director
2012-04-04
➕
BRIAN REID LTD. appointed
corporate-secretary
2012-04-04
➖
BRIAN REID LTD. resigned
corporate-secretary
2012-04-04
➕
MABBOTT, Stephen George appointed
director
2012-04-04
➖
MABBOTT, Stephen George resigned
director

Owner dependency

66/100

High — earn-out structure required

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

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

49/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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

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
Mr Charles William Russell Individual · British · DOB 05/1976 · age 50	50–75%	50–75%	50-75% shares · 50-75% voting	06/04/2016
Mrs Jillian Mary Russell Individual · British · DOB 09/1977 · age 49	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016

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 →

Similar companies

Active · Trade services · KA postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
MAXI GROUP LIMITED→ SC081671 · est 1983	£13.75M £10.31M–£17.18M	—	—	1000	43y	83	82y
EMERGENCY ONE (U.K.) LIMITED→ SC319443 · est 2007	£11.21M £8.41M–£14.01M	—	—	250	19y	88	66y
FAIRLIE COMMUNITY TRUST→ SC334426 · est 2007 · no financials extracted	—	—	—	—	18y	83	90y
GWF GENERATORS LIMITED→ SC383281 · est 2010	—	—	£605.0k	—	15y	83	71y
KELVIN TOP-SET LIMITED→ SC342121 · est 2008	—	—	—	1200	18y	83	80y
RICHARD HEALEY REMOVALS LIMITED→ SC275306 · est 2004	—	—	£433.7k	—	21y	83	78y
AFTON BOARDING LIMITED→ SC249549 · est 2003	—	—	—	0	22y	82	64y
ELIZABETH WALLACE BRIDAL LIMITED→ SC266999 · est 2004	—	—	£117.9k	—	22y	82	61y
ETEK EUROPE LIMITED→ SC317060 · est 2007	—	—	£1.37M	—	19y	82	60y
SLS MEDICAL AESTHETICS LIMITED→ SC617555 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
STALKER'S HAIR STUDIO LIMITED→ SC423131 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
THE COAST CLINIC LIMITED→ SC391117 · est 2011 · no financials extracted	—	—	—	—	15y	—	—

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

Incorporated2012-04-04

Jurisdictionscotland

Primary SIC82990 — Other business support service activities n.e.c.

Registered office

Glenapp Manse Glenapp Estate

Ballantrae

Girvan

KA26 0PG

Scotland

Filing status

Accounts

Next due: 2026-10-31

Last made up to: 2025-01-31

Confirmation statement

Next due: 2027-04-18

Last: 2026-04-04

Officers (2 active · 2 resigned)

RUSSELL, Charles William→

director · ~50y · appointed 2012-04-04

View their other companies + combined net worth →

Active

RUSSELL, Jillian Mary→

director · ~49y · appointed 2012-04-04

View their other companies + combined net worth →

Active

BRIAN REID LTD.→

corporate-secretary · appointed 2012-04-04 · resigned 2012-04-04

Resigned

MABBOTT, Stephen George→

director · ~76y · appointed 2012-04-04 · resigned 2012-04-04

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	HSBC Hsbc Bank PLC	A registered charge	—	23/12/2015	—

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