BAN-CAR HOTEL LIMITED
🌳Matureactive
SC280805 · ltd · incorporated 2005-02-28
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 20.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£452.9k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Hotels and similar accommodation
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 20.8y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 20.8 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 (77/100)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
4 officers (3 active, 4 linked, 2 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
51 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 · accounting standard not declaredPositive net assets
Net assets £452,864
Net assets shrinking
Down £19,371 YoY
Cash YoY
-4%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£6k
↓ 4.4% YoY
Net Worth
£453k
↓ 4.1% YoY
Current Assets
£37k
↓ 21% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £686.9k | £751.5k |
| Current assets | £36.5k | £46.4k |
| Cash | £6.2k | £6.5k |
| Debtors | £22.3k | £30.1k |
| Net assets | £452.9k | £472.2k |
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 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2025-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-12-22📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-03-01📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-12-23📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-03-09📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2005-07-14🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2005-06-20🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2005-02-28🏢Company incorporatedAs BAN-CAR HOTEL LIMITED
- 2005-02-28➕GIBBINS, Christina Louise appointedsecretary
- 2005-02-28➕GIBBINS, Christina Louise appointeddirector
- 2005-02-28➕GIBBINS, David Allan appointeddirector
- 2005-02-28➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2005-02-28➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
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 21 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 21 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Christina Louise Gibbins Individual · British · DOB 07/1969 · age 57 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr David Allan Gibbins Individual · British · DOB 06/1969 · age 57 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Hospitality · AB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| C & J THOMSON LTD→ SC380228 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| CARPE DIEM CREATIONS LTD→ SC884443 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CARRIAG CATERING LTD→ SC814771 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CARRON RESTAURANT LIMITED→ SC264866 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| CARTOOS GRILL LTD→ SC837448 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CASTLE TERRACE LETS LTD→ SC704909 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CB BAR BANFF LTD→ SC855587 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CCB PUBS LIMITED→ SC612811 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CCG (UK) LIMITED→ SC161665 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| CFM LEISURE GROUP LIMITED→ SC858560 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CHAMOS DOGS LTD→ SC841415 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CHARMFIELD VINTAGE EVENTS LIMITED→ SC608200 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2005-02-28
Jurisdictionscotland
Primary SIC55100 — Hotels and similar accommodation
Registered office
Ban-Car Hotel Main Road
Lonmay
Fraserburgh
Aberdeenshire
AB43 8RL
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-05
Last: 2026-03-22
Officers (3 active · 1 resigned)
GIBBINS, Christina Louise→
Activesecretary · appointed 2005-02-28
View their other companies + combined net worth →
GIBBINS, Christina Louise→
Activedirector · ~57y · appointed 2005-02-28
View their other companies + combined net worth →
GIBBINS, David Allan→
Activedirector · ~57y · appointed 2005-02-28
View their other companies + combined net worth →
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 2005-02-28 · resigned 2005-02-28
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 Royal Bank of Scotland PLC | Standard security | 1 property | 14/07/2005 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 20/06/2005 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (51 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-30
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-24
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-29
confirmation-statement-with-updates
confirmation-statement · CS01
2021-03-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-03-22