LOCHALSH PROPERTY LIMITED
Opportunity 68/100 (strong), bankability 60/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).
Refinance opportunity
5 live charges · 2 lenders · oldest 2.2y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 2.2 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (73/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2024-10-31 |
|---|---|
| Total assets | £245.3k |
| Current assets | £172.2k |
| Cash | £172.2k |
| Net assets | £-43.4k |
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 persons-with-significant-control
Corporate timeline (16 events)Click to expand
- 2025-11-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-27🔒Charge registered #5Lender: Cumberland Building Society
- 2024-06-27🔒Charge registered #4Lender: Cumberland Building Society
- 2024-02-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-28🔒Charge registered #3Lender: Spf Bridging LTD
- 2024-02-28🔒Charge registered #2Lender: Spf Bridging LTD
- 2024-02-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-30🔒Charge registered #1Lender: Spf Bridging LTD
- 2023-10-26🏢Company incorporatedAs LOCHALSH PROPERTY LIMITED
- 2023-10-26➕MACFARLANE, Alastair appointeddirector
- 2023-10-26➕MACKENZIE, Louise appointeddirector
- 2023-10-26📄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.
- +Young company: Only 2.5 years old — management layer unlikely to be developed.
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
1 lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alastair Macfarlane Individual · British · DOB 12/1990 · age 36 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 26/10/2023 |
Mrs Louise Jones Individual · Scottish · DOB 05/1993 · age 33 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 26/10/2023 |
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.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| JBLETS&STAYS LTD→ SC818422 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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| LES-MONA INVESTMENTS LIMITED→ SC700131 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| LM PROPERTIES (SCOTLAND) LTD→ SC684764 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| LOCHABER APARTMENTS LTD→ SC588660 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| LOCHABERNOMORE LTD→ SC759773 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| LYON PROPERTY MANAGEMENT LTD→ SC833677 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| MACKENZIE HARRIS LTD→ SC367635 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| MACPHAIL PROPERTY SERVICES LTD→ SC538395 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
9 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 | Cumberland Building Society | A registered charge | 1 property | 27/06/2024 | — | |
| outstanding | Cumberland Building Society | A registered charge | 1 property | 27/06/2024 | — | |
| outstanding | Spf Bridging Spf Bridging LTD | A registered charge | 2 properties | 28/02/2024 | — | |
| outstanding | Spf Bridging Spf Bridging LTD | A registered charge | 2 properties | 28/02/2024 | — | |
| outstanding | Spf Bridging Spf Bridging LTD | A registered charge | — | 30/01/2024 | — |