LOVE LOAN LIMITED
🌿Early-stageactive
SC699082 · ltd · incorporated 2021-05-18
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Public houses and bars
Sector: Accommodation & food service
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
Investor take
PursueStrong opportunity: active trading company with strong profile and structurally messy structure.
Opportunity 70/100 (strong), bankability 52/100. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
13 live charges · 4 lenders · oldest 4.2y
25/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~4.2 years — mid-life; refi window approaching.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
13 charges (13/13 with lender, 13/13 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
23 connected companies via shared directors
90
Filing history
46 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
50
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
7
filings
- • 4 officers
- • 1 accounts
- • 1 address
Last 180 days
8
filings
- • 5 officers
- • 1 accounts
- • 1 address
Counts from Companies House filing history.
Corporate timeline (47 events)Click to expand
- 2026-04-09📄accounts-with-accounts-type-smallaccounts · AA
- 2026-04-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-04-07📄change-person-director-company-with-change-dateofficers · CH01
- 2026-04-07📄change-person-director-company-with-change-dateofficers · CH01
- 2026-04-07📄change-person-director-company-with-change-dateofficers · CH01
- 2026-04-07📄change-person-director-company-with-change-dateofficers · CH01
- 2026-04-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2026-01-08➕MCDONALD, Trevor James appointeddirector
- 2026-01-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-05-28📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2025-05-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-16🔒Charge registered #13Lender: The Glasgow City Heritage Trust
- 2025-05-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-13📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-08🔒Charge registered #12Lender: The Glasgow City Heritage Trust
- 2025-04-11📄accounts-with-accounts-type-smallaccounts · AA
- 2025-01-07📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-01-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-12-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-20🔒Charge registered #11Lender: The Royal Bank of Scotland PLC as Security Agent
- 2024-12-18🔒Charge registered #10Lender: The Royal Bank of Scotland PLC as Security Agent
- 2024-12-18🔒Charge registered #9Lender: The Royal Bank of Scotland PLC as Security Agent
- 2024-09-24📄accounts-with-accounts-type-smallaccounts · AA
- 2024-08-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-13🔓Charge satisfied #5
- 2024-08-13🔓Charge satisfied #4
- 2024-08-13🔓Charge satisfied #3
- 2024-08-13🔓Charge satisfied #2
- 2024-08-13🔓Charge satisfied #1
- 2024-08-01🔒Charge registered #8Lender: The Royal Bank of Scotland PLC
- 2024-07-29🔒Charge registered #7Lender: The Royal Bank of Scotland PLC
- 2024-07-29🔒Charge registered #6Lender: The Royal Bank of Scotland PLC
- 2022-08-16🔒Charge registered #5Lender: Oaknorth Bank PLC (As Security Trustee)
- 2022-08-05➕ALLEN, Tessa Maxine Gilchrist appointeddirector
- 2022-02-24🔒Charge registered #4Lender: Oaknorth Bank PLC (As Security Trustee)
- 2022-02-15🔒Charge registered #3Lender: Oaknorth Bank PLC (As Security Trustee)
- 2022-02-15🔒Charge registered #2Lender: Oaknorth Bank PLC (As Security Trustee)
- 2022-02-15🔒Charge registered #1Lender: Oaknorth Bank PLC (As Security Trustee)
- 2021-05-18🏢Company incorporatedAs LOVE LOAN LIMITED
- 2021-05-18➕AITON, Archie John appointeddirector
- 2021-05-18➕STEWART, Christopher John appointeddirector
Owner dependency
55/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
50/100
Moderate signalSome 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 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
8 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Csg Glasgow Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Csg Glasgow Limited
Corporate parent · holds 75-100% shares · board control
⬇
LOVE LOAN LIMITED
This company · SC699082
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 |
|---|---|---|---|---|
Csg Glasgow Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 18/12/2024 |
2 historic (ceased) PSCs
- Csg Commercial Limitedceased 18/12/2024· 75-100% shares
- Csg George Street Limitedceased 13/10/2023· 75-100% shares
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
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|---|---|---|---|---|---|---|---|
| VENISON ADVISORY SERVICE LTD→ SC423023 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| VISA4US LIMITED→ SC867373 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| VK SCOT LTD→ SC833397 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| WEF LEISURE LTD→ SC590596 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| WELLBREAD CATERING LIMITED→ SC797901 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| WESTNOTE BAR COMPANY LTD→ SC624624 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| WILD BAKE HOUSE LTD→ SC708081 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| WIS-KEE LTD→ SC717717 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| WOPA GROUP LTD→ SC870873 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| WU A P 1 LIMITED→ SC841408 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
10 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
Incorporated2021-05-18
Jurisdictionscotland
Primary SIC56302 — Public houses and bars
Registered office
C/O Johnston Carmichael
7-11 Melville Street
Edinburgh
City Of Edinburgh
EH3 7PE
Scotland
Filing status
Accounts
Next due: 2027-03-28
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-05-31
Last: 2025-05-17
Officers (4 active · 0 resigned)
AITON, Archie John→
Activedirector · ~65y · appointed 2021-05-18
View their other companies + combined net worth →
ALLEN, Tessa Maxine Gilchrist→
Activedirector · ~52y · appointed 2022-08-05
View their other companies + combined net worth →
MCDONALD, Trevor James→
Activedirector · ~49y · appointed 2026-01-08
View their other companies + combined net worth →
STEWART, Christopher John→
Activedirector · ~51y · appointed 2021-05-18
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
13
Total charges
8
Outstanding
2
Active lenders
Status:Lender:13 of 13 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Glasgow City Heritage Trust | A registered charge | 1 property | 16/05/2025 | — | |
| outstanding | The Glasgow City Heritage Trust | A registered charge | 1 property | 08/05/2025 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC as Security Agent | A registered charge | 2 properties | 20/12/2024 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC as Security Agent | A registered charge | 1 property | 18/12/2024 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC as Security Agent | A registered charge | 1 property | 18/12/2024 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 01/08/2024 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 29/07/2024 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 29/07/2024 | — | |
| satisfied | OakNorth Oaknorth Bank PLC (As Security Trustee) | A registered charge | — | 16/08/2022 | 13/08/2024 | |
| satisfied | OakNorth Oaknorth Bank PLC (As Security Trustee) | A registered charge | 1 property | 24/02/2022 | 13/08/2024 | |
| satisfied | OakNorth Oaknorth Bank PLC (As Security Trustee) | A registered charge | 1 property | 15/02/2022 | 13/08/2024 | |
| satisfied | OakNorth Oaknorth Bank PLC (As Security Trustee) | A registered charge | — | 15/02/2022 | 13/08/2024 | |
| satisfied | OakNorth Oaknorth Bank PLC (As Security Trustee) | A registered charge | — | 15/02/2022 | 13/08/2024 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (46 total)
accounts-with-accounts-type-small
accounts · AA
2026-04-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-04-07
change-person-director-company-with-change-date
officers · CH01
2026-04-07
change-person-director-company-with-change-date
officers · CH01
2026-04-07
change-person-director-company-with-change-date
officers · CH01
2026-04-07
change-person-director-company-with-change-date
officers · CH01
2026-04-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2026-04-07
appoint-person-director-company-with-name-date
officers · AP01
2026-01-08
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-09
mortgage-alter-floating-charge-with-number
mortgage · 466(Scot)
2025-05-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-14
change-person-director-company-with-change-date
officers · CH01
2025-05-13
accounts-with-accounts-type-small
accounts · AA
2025-04-11
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-01-07