BANCHORY LODGE CARAVAN PARK LIMITED
🌳Matureactive
SC108581 · ltd · incorporated 1988-01-08
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 38.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£1.46M
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: SIC 55300
Sector: Accommodation & food service
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 78/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
2 live charges · oldest 38.2y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 38.2 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: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 5 with DOB)
84
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
101 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
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 £1,463,707
Net assets shrinking
Down £116,791 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£1.5m
↓ 7.4% YoY
Current Assets
£1.2m
↓ 3.5% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £1.46M | £1.58M |
| Current assets | £1.20M | £1.25M |
| Net assets | £1.46M | £1.58M |
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
1
filing
- • 1 officers
Last 90 days
1
filing
- • 1 officers
Last 180 days
3
filings
- • 1 officers
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-04-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-15➕DUNCAN, Roderick David appointeddirector
- 2025-12-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-06-06➖GARIOCH, Alice resigneddirector
- 2024-04-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-03-02➖GARIOCH, Peter John George Alexander resigneddirector
- 2023-12-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-12-28📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-12-28📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-12-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-10-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-11-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2009-11-27➕DUNCAN, Donna appointeddirector
- 1992-12-20➖GARIOCH, Peter John George Alexander resigneddirector
- 1990-01-01➕PETERKINS, SOLICITORS appointedcorporate-nominee-secretary
- 1990-01-01➖DAVIDSON & GARDEN resignedcorporate-secretary
- 1988-02-11🔒Charge registered #2Lender: The Governor and Company of the Bank of Scotland
- 1988-02-02🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 1988-01-08🏢Company incorporatedAs BANCHORY LODGE CARAVAN PARK LIMITED
- 1988-01-08➕GARIOCH, Alice appointeddirector
- 1988-01-08➕GARIOCH, Peter John George Alexander appointeddirector
Owner dependency
76/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
49/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 16 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Donna Duncan Individual · Scottish · DOB 04/1974 · age 52 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 21/05/2021 |
2 historic (ceased) PSCs
- Mr Peter John George Alexander Gariochceased 21/05/2021· 25-50% shares · 25-50% voting
- Mrs Alice Gariochceased 21/05/2021· 25-50% shares · 25-50% voting
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 →Similar companies
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|---|---|---|---|---|---|---|---|
| AB PADMA LTD→ SC841151 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ABER KITCHEN LTD→ SC844491 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ABERDEEN FAMOUS HOUSE LTD→ SC848428 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABHD LTD→ SC822611 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AJ FAST FOODS LTD→ SC733359 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ALFIE MAIR LIMITED→ SC751355 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| APARTMENT F ABERDEEN LTD→ SC784078 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ASIA KITCHEN LTD→ SC773414 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ASTRA MAIFAIR LTD→ SC777255 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ATHOLL HOTEL UK LIMITED→ SC860555 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AUNTY B'S ON REGENT LTD→ SC765491 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| AUTHENTIC VIETNAMESE KITCHEN LTD→ SC804574 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated1988-01-08
Jurisdictionscotland
Primary SIC55300 — SIC 55300
Registered office
100 Union Street
Aberdeen
AB10 1QR
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-01
Last: 2025-12-18
Officers (3 active · 4 resigned)
PETERKINS, SOLICITORS→
Activecorporate-nominee-secretary · appointed 1990-01-01
View their other companies + combined net worth →
DUNCAN, Donna→
Activedirector · ~52y · appointed 2009-11-27
View their other companies + combined net worth →
DUNCAN, Roderick David→
Activedirector · ~56y · appointed 2026-03-15
View their other companies + combined net worth →
DAVIDSON & GARDEN→
Resignedcorporate-secretary · resigned 1990-01-01
GARIOCH, Alice→
Resigneddirector · ~81y · appointed 1988-01-08 · resigned 2024-06-06
GARIOCH, Peter John George Alexander→
Resigneddirector · ~88y · appointed 1988-01-08 · resigned 1992-12-20
GARIOCH, Peter John George Alexander→
Resigneddirector · ~88y · resigned 2024-03-02
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 11/02/1988 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 02/02/1988 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (101 total)
appoint-person-director-company-with-name-date
officers · AP01
2026-04-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-29
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-24
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-18
termination-director-company-with-name-termination-date
officers · TM01
2024-07-16
termination-director-company-with-name-termination-date
officers · TM01
2024-04-25
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-28
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-12-28
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-12-28
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-12-28
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-19
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-29
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-23