LOVIE HOLDINGS LTD

🏛️Establishedactive
SC595439 · ltd · incorporated 2018-04-26
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
Upgrade to see
Turnover
year to Mar 2025
Net worth
£17.39M
book net assets
Opportunity
72/100
Strong
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What this business does
Primary activity: Activities of construction holding companies
Sector: Financial & insurance
Investor take
Special-situation opportunity
Distressed holding with salvageable qualities — special-situations priority.

Opportunity 72/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: 1 insolvency-related filing on record. Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding. Most likely exit: share sale to pe / searcher (65/100).

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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
27 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £17,393,673
Cash YoY
+6%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£5.4m
↑ 6.5% YoY
Net Worth
£17m
↑ 42% YoY
Current Assets
£5.4m
↑ 4.5% YoY
Current Liabilities
£0£3.5m£7.0m£10m£14m£17mMar 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£17.39M£12.22M
Current assets£5.40M£5.17M
Cash£5.37M£5.04M
Debtors£32.2k£125.4k
Net assets£17.39M£12.22M

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
0
filings
Last 180 days
1
filing
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2025-12-23
    📄
    accounts-with-accounts-type-group
    accounts · AA
  2. 2024-12-17
    📄
    accounts-with-accounts-type-group
    accounts · AA
  3. 2023-12-22
    📄
    accounts-with-accounts-type-group
    accounts · AA
  4. 2023-06-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2023-06-08
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  6. 2023-06-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2023-01-31
    📄
    accounts-with-accounts-type-group
    accounts · AA
  8. 2022-04-29
    LOVIE, Jane Gerrard appointed
    director
  9. 2022-04-29
    LOVIE, Karen appointed
    director
  10. 2022-02-02
    📄
    accounts-with-accounts-type-group
    accounts · AA
  11. 2021-05-13
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  12. 2021-05-13
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  13. 2021-05-13
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  14. 2021-05-04
    📄
    accounts-with-accounts-type-group
    accounts · AA
  15. 2020-01-30
    📄
    accounts-with-accounts-type-group
    accounts · AA
  16. 2018-05-18
    📄
    capital-statement-capital-company-with-date-currency-figure
    capital · SH19
  17. 2018-05-18
    📄
    capital-allotment-shares
    capital · SH01
  18. 2018-05-14
    ⚠️
    legacy
    insolvency · CAP-SS
  19. 2018-05-14
    📄
    legacy
    capital · SH20
  20. 2018-05-14
    📄
    resolution
    resolution · RESOLUTIONS
  21. 2018-04-26
    🏢
    Company incorporated
    As LOVIE HOLDINGS LTD
  22. 2018-04-26
    LOVIE, James William appointed
    director
  23. 2018-04-26
    LOVIE, Steven John appointed
    director

Owner dependency

78/100
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.
  • +Founder name in company name: Company name contains director surname "LOVIE" — strong identity link between founder and business.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

50/100
Moderate signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.

Red flags

1 high ·
1 insolvency-related filing on record
high

Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.

Evidence: 2018-05-14: legacy

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr James William Lovie
Individual · British · DOB 01/1961 · age 65
2550%
25–50%25-50% shares · 25-50% voting13/05/2021
Mr Steven John Lovie
Individual · British · DOB 05/1968 · age 58
2550%
25–50%25-50% shares · 25-50% voting13/05/2021

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
Incorporated2018-04-26
Jurisdictionscotland
Primary SIC64203 — Activities of construction holding companies

Registered office

Construction House
New Pitsligo
Fraserburgh
AB43 6PR
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-05-09
Last: 2025-04-25

Officers (4 active · 0 resigned)

LOVIE, James William
director · ~65y · appointed 2018-04-26
View their other companies + combined net worth →
Active
LOVIE, Jane Gerrard
director · ~65y · appointed 2022-04-29
View their other companies + combined net worth →
Active
LOVIE, Karen
director · ~58y · appointed 2022-04-29
View their other companies + combined net worth →
Active
LOVIE, Steven John
director · ~58y · appointed 2018-04-26
View their other companies + combined net worth →
Active

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

Recent filings (27 total)

accounts-with-accounts-type-group
accounts · AA
2025-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-20
accounts-with-accounts-type-group
accounts · AA
2024-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-20
accounts-with-accounts-type-group
accounts · AA
2023-12-22
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-08
appoint-person-director-company-with-name-date
officers · AP01
2023-06-08
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-06-08
appoint-person-director-company-with-name-date
officers · AP01
2023-06-08
accounts-with-accounts-type-group
accounts · AA
2023-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-10
accounts-with-accounts-type-group
accounts · AA
2022-02-02
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-05-13
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-05-13
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2021-05-13