LOCHVIA LTD
Opportunity 71/100 (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: strategic trade sale (65/100).
Refinance opportunity
1 live charge · oldest 0.1y
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.1 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
- • 1 mortgage
- • 1 mortgage
- • 2 address
- • 1 mortgage
Corporate timeline (8 events)Click to expand
- 2026-04-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-01🔒Charge registered #1Lender: Bank of Scotland PLC
- 2025-12-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-11-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-09-19🏢Company incorporatedAs LOCHVIA LTD
- 2025-09-19➕BOYLE, Paul Christopher appointeddirector
- 2025-09-19➕BOYLE, Seonaid appointeddirector
- 2025-09-19📄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 0.6 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 lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Paul Christopher Boyle Individual · British · DOB 11/1985 · age 41 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 19/09/2025 |
Mrs Seonaid Boyle Individual · British · DOB 02/1979 · age 47 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 19/09/2025 |
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 (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 Bank of Scotland PLC | A registered charge | — | 01/04/2026 | — |