LOCH SHIEL GARAGE 2010 LIMITED
🌳Matureactive
SC380883 · ltd · incorporated 2010-06-23
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£1.08M
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: SIC 45200
Sector: Wholesale & retail
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -43% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
6 live charges · 2 lenders · oldest 15.6y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 15.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (78/100)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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
43 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
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
77
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 £1,079,219
Cash draining
Cash down 43% YoY
Cash YoY
-43%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£39k
↓ 43% YoY
Net Worth
£1.1m
↑ 5.1% YoY
Current Assets
£274k
↓ 23% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £1.84M | £1.71M |
| Current assets | £274.5k | £354.6k |
| Cash | £38.7k | £67.3k |
| Debtors | £205.7k | £222.6k |
| Net assets | £1.08M | £1.03M |
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
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2026-03-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-03-10📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-11-14📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-02-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-09-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-09-15🔓Charge satisfied #4
- 2022-08-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-04🔓Charge satisfied #3
- 2022-08-04🔓Charge satisfied #2
- 2022-08-04🔓Charge satisfied #1
- 2022-06-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-18🔒Charge registered #6Lender: The Royal Bank of Scotland PLC
- 2022-04-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-04-25🔒Charge registered #5Lender: The Royal Bank of Scotland PLC
- 2022-02-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-02-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-02-10➖CAMERON, Jessie Mary Patricia resigneddirector
- 2021-11-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-01-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-01-10📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-03-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-12-01📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-11-03🔒Charge registered #4Lender: Clydesdale Bank PLC
- 2011-07-06🔒Charge registered #3Lender: Clydesdale Bank PLC
- 2010-10-25🔒Charge registered #2Lender: Clydesdale Bank PLC
- 2010-09-03🔒Charge registered #1Lender: Clydesdale Bank PLC
- 2010-06-23🏢Company incorporatedAs LOCH SHIEL GARAGE 2010 LIMITED
- 2010-06-23➕CAMERON, Andrew Iain appointeddirector
- 2010-06-23➕CAMERON, John Duncan appointeddirector
- 2010-06-23➕CAMERON, Jessie Mary Patricia 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
59/100
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.
- secondary12+ year tenure: Director in role 16 years.
- secondaryStable-but-static management: Company is 16 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
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Iain Cameron Individual · British · DOB 08/1986 · age 40 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr John Duncan Cameron Individual · British · DOB 03/1983 · age 43 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
1 historic (ceased) PSC
- Mrs Jessie Mary Patricia Cameronceased 10/02/2022· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Automotive · PH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| DOUGLAS CAMERON (PERTH) LIMITED→ SC100636 · est 1986 | £4.61M £3.69M–£5.53M | — | — | 57 | 39y | 85 | 81y |
| CAMERON MOTORS (PERTH) LIMITED→ SC057921 · est 1975 | £1.74M £1.39M–£2.09M | — | — | 62 | 50y | 84 | 81y |
| IAN H. CAMERON LIMITED→ SC035342 · est 1960 | £1.73M £1.38M–£2.07M | — | — | 44 | 65y | 85 | 81y |
| PERTHSHIRE CARAVANS LIMITED→ SC057390 · est 1975 | £701.8k £561.4k–£842.2k | — | — | 75 | 51y | 85 | 89y |
| ACTIVE SERVICE LIMITED→ SC300374 · est 2006 | — | — | — | 7 | 20y | 82 | 70y |
| CALLISTO GOLF EQUIPMENT LIMITED→ SC192559 · est 1999 · no financials extracted | — | — | — | — | 27y | 82 | 78y |
| CURTIS MOTORS CUPAR LIMITED→ SC294891 · est 2005 | — | — | — | 4 | 20y | 82 | 62y |
| MOVING METAL LTD→ SC876363 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| PERTH SPRAY TECH LIMITED→ SC610065 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| RATTRAY ATV LIMITED→ SC564536 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| RIAZ PREMIUM AUTOS LTD→ SC818538 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| RICHARD LAWSON (AUTOECOSSE) LIMITED→ SC173818 · est 1997 · no financials extracted | — | — | — | — | 29y | — | — |
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
Incorporated2010-06-23
Jurisdictionscotland
Primary SIC45200 — SIC 45200
Registered office
Loch Shiel Garage Ltd
Acharacle
Argyll
PH36 4JL
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-05-31
Last: 2025-05-17
Officers (2 active · 1 resigned)
CAMERON, Andrew Iain→
Activedirector · ~40y · appointed 2010-06-23
View their other companies + combined net worth →
CAMERON, John Duncan→
Activedirector · ~43y · appointed 2010-06-23
View their other companies + combined net worth →
CAMERON, Jessie Mary Patricia→
Resigneddirector · ~68y · appointed 2010-06-23 · resigned 2022-02-10
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
2
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 18/05/2022 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 25/04/2022 | — | |
| satisfied | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 03/11/2017 | 15/09/2022 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 06/07/2011 | 04/08/2022 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Standard security | 1 property | 25/10/2010 | 04/08/2022 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 03/09/2010 | 04/08/2022 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (43 total)
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-02-27
mortgage-satisfy-charge-full
mortgage · MR04
2022-09-15
mortgage-satisfy-charge-full
mortgage · MR04
2022-08-04
mortgage-satisfy-charge-full
mortgage · MR04
2022-08-04
mortgage-satisfy-charge-full
mortgage · MR04
2022-08-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-06-08
confirmation-statement-with-updates
confirmation-statement · CS01
2022-05-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-04-27
termination-director-company-with-name-termination-date
officers · TM01
2022-02-17