LOCHAY HOLIDAY LODGES LTD
Opportunity 70/100 (strong), bankability 70/100. 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 (58/100).
Refinance opportunity
4 live charges · oldest 0.8y
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.8 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (55/100)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.
Recent activity
Corporate timeline (15 events)Click to expand
- 2025-08-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-08-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-29🔓Charge satisfied #2
- 2025-08-21🔒Charge registered #4Lender: The Mortgage Lender Limited
- 2025-08-21🔒Charge registered #3Lender: The Mortgage Lender Limited
- 2025-07-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-28🔒Charge registered #2Lender: The Mortgage Lender Limited
- 2025-07-28🔒Charge registered #1Lender: The Mortgage Lender Limited
- 2025-07-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-06-30🏢Company incorporatedAs LOCHAY HOLIDAY LODGES LTD
- 2025-06-30➕MOWER, Liana appointeddirector
- 2025-06-30➕MOWER, Michael Iain appointeddirector
- 2025-06-30📄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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +Young company: Only 0.8 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 med ·Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-08-21: A registered charge; 2025-08-21: A registered charge; 2025-07-28: A registered charge
Group structure
Custom Property Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Custom Property Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/06/2025 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 21/08/2025 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 21/08/2025 | — | |
| satisfied | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 28/07/2025 | 29/08/2025 | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 28/07/2025 | — |