LOCH RYAN PRACTICE LIMITED
- · Oldest live charge 3.2y old — refinance window within 12 months
Opportunity 77/100 (strong), bankability 75/100. 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 (73/100).
Refinance opportunity
2 live charges · oldest 3.2y
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~3.2 years — mid-life; refi window approaching.
- · 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.
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 | £277.1k | £271.6k |
| Current assets | £43.0k | £48.9k |
| Net assets | £66.6k | £41.8k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 address
- • 1 address
- • 1 confirmation-statement
- • 1 address
- • 1 confirmation-statement
Corporate timeline (16 events)Click to expand
- 2026-05-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-08-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-29➕MCINTYRE, Roger James appointeddirector
- 2024-02-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-02-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-02-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-02-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-04-14🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2023-03-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-20🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2023-02-06📄change-person-director-company-with-change-dateofficers · CH01
- 2023-01-24🏢Company incorporatedAs LOCH RYAN PRACTICE LIMITED
- 2023-01-24➕NEMEC, Aleksandra, Dr appointeddirector
- 2023-01-24📄incorporation-companyincorporation · NEWINC
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.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Dr Aleksandra Nemec Individual · Polish · DOB 02/1963 · age 63 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 24/01/2023 |
Mr Roger James Mcintyre Individual · British · DOB 06/1962 · age 64 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 29/02/2024 |
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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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 (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 | 14/04/2023 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 20/02/2023 | — |