CCM LOCH NESS LIMITED

🌳Matureactive

SC476553 · ltd · incorporated 2014-04-30

Investment thesis

Property vehicle with leveraged stack — refinance / partial-release angle.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 11.4y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2023

Net worth

—

book net assets

Opportunity

63/100

Worth a look

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Other letting and operating of own or leased real estate

Sector: Real estate

Investor take

Pass (distressed without resilience)

Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 63/100 (worth a look), bankability 55/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: strategic trade sale (38/100).

🏦

Refinance opportunity

6 live charges · 2 lenders · oldest 11.4y

70/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 11.4 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (70/100)

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

1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed

Lenders & charges

6 charges (6/6 with lender, 6/6 with type)

Directors & officers

4 officers (3 active, 4 linked, 3 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

43 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

63/100Worth a look

PassWatchWorth a lookStrongExceptional

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2023-03-31
Average employees	200

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

filings

Last 90 days

filing

• 1 gazette

Last 180 days

filing

• 1 gazette

Counts from Companies House filing history.

Corporate timeline (34 events)Click to expand

2026-03-10
📄
gazette-notice-compulsory
gazette · GAZ1
2025-05-03
📄
gazette-filings-brought-up-to-date
gazette · DISS40
2025-04-15
📄
dissolved-compulsory-strike-off-suspended
dissolution · DISS16(SOAS)
2025-03-04
📄
gazette-notice-compulsory
gazette · GAZ1
2024-08-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-19
📄
change-account-reference-date-company-previous-extended
accounts · AA01
2022-09-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-12
📄
change-corporate-secretary-company-with-change-date
officers · CH04
2019-12-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-05-02
📄
change-person-director-company-with-change-date
officers · CH01
2019-05-02
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2018-09-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-06-12
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-06-12
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-06-12
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-06-12
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-06-12
🔓
Charge satisfied #4
2018-06-12
🔓
Charge satisfied #3
2018-06-12
🔓
Charge satisfied #2
2018-06-12
🔓
Charge satisfied #1
2018-05-23
🔒
Charge registered #6
Lender: Svenska Handelsbanken Ab (Publ)
2018-03-20
🔒
Charge registered #5
Lender: Svenska Handelsbanken Ab (Publ)
2014-11-26
🔒
Charge registered #4
Lender: W.M.Mann & Co (Investments) Limited
2014-11-26
🔒
Charge registered #3
Lender: W.M.Mann & Co (Investments) Limited
2014-11-26
🔒
Charge registered #2
Lender: W.M.Mann & Co (Investments) Limited
2014-11-26
🔒
Charge registered #1
Lender: W.M.Mann & Co (Investments) Limited
2014-04-30
🏢
Company incorporated
As CCM LOCH NESS LIMITED
2014-04-30
➕
JAMES AND GEORGE COLLIE LLP appointed
corporate-secretary
2014-04-30
➕
MUNRO, Callum Campbell appointed
director
2014-04-30
➕
MUNRO, Marlene appointed
director
2014-04-30
➕
MILLER, Innes Richard appointed
director
2014-04-30
➖
MILLER, Innes Richard resigned
director

Owner dependency

66/100

High — earn-out structure required

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

FACTORS

+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.

Succession & seller-readiness

36/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS

secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 high · 1 med ·

Accounts overdue

high

Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.

Evidence: Next due: 2024-12-31

Charge satisfaction-then-recreation pattern

medium

Multiple 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 Callum Campbell Munro Individual · British · DOB 08/1973 · age 53	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016
Mrs Marlene Munro Individual · British · DOB 09/1974 · age 52	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.

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BEAMARR PROPERTY LTD→ SC787243 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
BEECHSIDE PROPERTIES LIMITED→ SC856854 · est 2025 · no financials extracted	—	—	—	—	—	—	—
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Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

8 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

Incorporated2014-04-30

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

1 East Craibstone Street

Aberdeen

AB11 6YQ

Filing status

Accounts

Next due: 2024-12-31OVERDUE

Last made up to: 2023-03-31

Confirmation statement

Next due: 2026-05-14

Last: 2025-04-30

Officers (3 active · 1 resigned)

JAMES AND GEORGE COLLIE LLP→

corporate-secretary · appointed 2014-04-30

View their other companies + combined net worth →

Active

MUNRO, Callum Campbell→

director · ~53y · appointed 2014-04-30

View their other companies + combined net worth →

Active

MUNRO, Marlene→

director · ~52y · appointed 2014-04-30

View their other companies + combined net worth →

Active

MILLER, Innes Richard→

director · ~66y · appointed 2014-04-30 · resigned 2014-04-30

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:6 of 6 shown

		Type	Properties
outstanding	Svenska Handelsbanken Ab (Publ)	A registered charge	2 properties	23/05/2018	—
outstanding	Svenska Handelsbanken Ab (Publ)	A registered charge	1 property	20/03/2018	—
satisfied	W.M.Mann & Co (Investments) W.M.Mann & Co (Investments) Limited	A registered charge	1 property	26/11/2014	12/06/2018
satisfied	W.M.Mann & Co (Investments) W.M.Mann & Co (Investments) Limited	A registered charge	1 property	26/11/2014	12/06/2018
satisfied	W.M.Mann & Co (Investments) W.M.Mann & Co (Investments) Limited	A registered charge	1 property	26/11/2014	12/06/2018
satisfied	W.M.Mann & Co (Investments) W.M.Mann & Co (Investments) Limited	A registered charge	1 property	26/11/2014	12/06/2018

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (43 total)

gazette-notice-compulsory

gazette · GAZ1

2026-03-10

gazette-filings-brought-up-to-date

gazette · DISS40

2025-05-03

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-05-01

dissolved-compulsory-strike-off-suspended

dissolution · DISS16(SOAS)

2025-04-15

gazette-notice-compulsory

gazette · GAZ1

2025-03-04

accounts-with-accounts-type-micro-entity

accounts · AA

2024-08-12

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-05-01

change-account-reference-date-company-previous-extended

accounts · AA01

2023-06-19

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-06-12

accounts-with-accounts-type-micro-entity

accounts · AA

2022-09-30

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-05-11

accounts-with-accounts-type-micro-entity

accounts · AA

2021-07-30

confirmation-statement-with-no-updates

confirmation-statement · CS01

2021-05-12

accounts-with-accounts-type-micro-entity

accounts · AA

2021-04-27

change-corporate-secretary-company-with-change-date

officers · CH04

2021-01-12