LOCHSIDE APARTMENTS LTD
- · Oldest live charge 5.2y old — refinance window within 12 months
No material changes in the last 30 days.
No material changes in the last 90 days.
No snapshot from 180 days ago — start tracking from today.
Opportunity 78/100 (strong), bankability 80/100. Strong seller-intent signal (60/100, director aged 71). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
2 live charges · oldest 5.2y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 →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 | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £444.1k | £404.3k |
| Current assets | £28.0k | £18.0k |
| Cash | £20.9k | £10.3k |
| Debtors | £7.1k | £7.7k |
| Net assets | £69.4k | £42.2k |
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
- • 1 officers
Corporate timeline (17 events)Click to expand
- 2026-03-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-04➖MCIVOR, Ewan resigneddirector
- 2025-11-05➕MARSHALL, Norma appointeddirector
- 2025-11-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-07-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-21🔒Charge registered #2Lender: Cambridge & Counties Bank Limited
- 2021-05-21🔒Charge registered #1Lender: Cambridge & Counties Bank Limited
- 2021-01-06🏢Company incorporatedAs LOCHSIDE APARTMENTS LTD
- 2021-01-06➕MARSHALL, Norma appointedsecretary
- 2021-01-06➕MARSHALL, Lance Simon appointeddirector
- 2021-01-06➕MCIVOR, Ewan appointeddirector
- 2021-01-06📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 71 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ewan Mcivor Individual · British · DOB 02/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/01/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 (3 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Cambridge & Counties Cambridge & Counties Bank Limited | A registered charge | 1 property | 21/05/2021 | — | |
| outstanding | Cambridge & Counties Cambridge & Counties Bank Limited | A registered charge | — | 21/05/2021 | — |