INCHNACARDOCH LODGE LTD
Opportunity 74/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -33% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · oldest 7.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 7.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £869.5k | £936.3k |
| Current assets | £67.0k | £91.7k |
| Cash | £29.9k | £44.6k |
| Debtors | £33.1k | £42.6k |
| Net assets | £410.1k | £404.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 3 persons-with-significant-control
- • 1 confirmation-statement
Corporate timeline (23 events)Click to expand
- 2025-12-03📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-12-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-07-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-03-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-03-10📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-10📄change-person-director-company-with-change-dateofficers · CH01
- 2024-07-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-06📄resolutionresolution · RESOLUTIONS
- 2022-06-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-14📄change-person-director-company-with-change-dateofficers · CH01
- 2021-05-14📄change-person-director-company-with-change-dateofficers · CH01
- 2021-05-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-05-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-05🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2019-01-21🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2018-03-07🏢Company incorporatedAs INCHNACARDOCH LODGE LTD
- 2018-03-07➕CLAYTON, Alan John appointeddirector
- 2018-03-07➕FREGIL, Malene appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanGroup structure
Aca Philanthropy And Fundraising Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Aca Philanthropy And Fundraising Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/11/2025 |
2 historic (ceased) PSCs
- Malene Fregilceased 30/11/2025· 25-50% shares · 25-50% voting
- Alan Claytonceased 30/11/2025· 50-75% shares · 50-75% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 05/02/2019 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 21/01/2019 | — |