LOCH EARN DEVELOPMENT COMPANY LTD

🌳Matureactive
SC018491 · ltd · incorporated 1935-05-10
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 32.0y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£17.6k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: SIC 99999
Sector: Extraterritorial bodies
Investor take
Pursue
Active trading company with a 69-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 32.0y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 32.0 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
9 officers (6 active, 9 linked, 7 with DOB)
86
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
105 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £17,557

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£18k
~ YoY
Current Assets
£15k
~ YoY
Current Liabilities
—
£0£4k£7k£11k£14k£18kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£17.6k£17.6k
Current assets£15.2k£15.2k
Net assets£17.6k£17.6k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-08-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-12-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-12-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-12-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-12-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-03-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2019-12-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-02-05
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  9. 2019-01-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2019-01-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2019-01-09
    ➕
    CAMERON, Hamish Angus Shane appointed
    director
  12. 2019-01-09
    ➕
    CAMERON, Jock Ewen Charles appointed
    director
  13. 2019-01-09
    ➕
    CAMERON, Lottie Maggie-Ann appointed
    director
  14. 2019-01-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2018-12-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2018-01-08
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2018-01-08
    📄
    change-person-director-company-with-change-date
    officers · CH01
  18. 2018-01-08
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  19. 2017-10-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2009-01-01
    ➕
    CAMERON, Olive Margaret appointed
    secretary
  21. 2009-01-01
    ➖
    CAMERON, Davina Anne resigned
    secretary
  22. 1999-06-20
    ➕
    CAMERON, Olive Margaret appointed
    director
  23. 1999-06-20
    ➖
    CAMERON, Davina Anne resigned
    director
  24. 1995-09-29
    ➖
    CAMERON, Ewen William resigned
    director
  25. 1994-05-19
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  26. 1994-01-01
    ➕
    CAMERON, Angus James appointed
    director
  27. 1935-05-10
    🏢
    Company incorporated
    As LOCH EARN DEVELOPMENT COMPANY LTD

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -5 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 69 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 32 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 91 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Olive Margaret Cameron
Individual · British · DOB 07/1961 · age 65
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016
Mr Angus James Cameron
Individual · British · DOB 10/1957 · age 69
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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
Incorporated1935-05-10
Jurisdictionscotland
Primary SIC99999 — SIC 99999

Registered office

9 Glasgow Road
Paisley
PA1 3QS

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-31
Last: 2025-12-17

Officers (6 active · 3 resigned)

CAMERON, Olive Margaret→
secretary · appointed 2009-01-01
View their other companies + combined net worth →
Active
CAMERON, Angus James→
director · ~69y · appointed 1994-01-01
View their other companies + combined net worth →
Active
CAMERON, Hamish Angus Shane→
director · ~30y · appointed 2019-01-09
View their other companies + combined net worth →
Active
CAMERON, Jock Ewen Charles→
director · ~32y · appointed 2019-01-09
View their other companies + combined net worth →
Active
CAMERON, Lottie Maggie-Ann→
director · ~34y · appointed 2019-01-09
View their other companies + combined net worth →
Active
CAMERON, Olive Margaret→
director · ~65y · appointed 1999-06-20
View their other companies + combined net worth →
Active
CAMERON, Davina Anne→
secretary · resigned 2009-01-01
Resigned
CAMERON, Davina Anne→
director · ~95y · resigned 1999-06-20
Resigned
CAMERON, Ewen William→
director · ~100y · resigned 1995-09-29
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Floating charge1 property19/05/1994—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (105 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-07
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-06
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-18
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-15
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-16
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-05
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-21
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-08
accounts-with-accounts-type-micro-entity
accounts · AA
2019-12-19
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2019-02-05