LOCH FYNE WHISKIES LIMITED

🌳Matureactive
SC485753 · ltd · incorporated 2014-09-02
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 10.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£1.0k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: SIC 47250
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 74-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 80/100. Strong seller-intent signal (68/100, director aged 74). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 10.9y

85/100
ready

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

  • · Oldest live charge is 10.9 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (83/100)

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
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
32 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
75
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 102
Positive net assets
Net assets £1,000
Cash YoY
+0%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£1k
~ YoY
Net Worth
£1k
~ YoY
Current Assets
£1k
~ YoY
Current Liabilities
—
£0£200£400£600£800£1kJan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-01-312024-01-31
Total assets£1.0k£1.0k
Current assets£1.0k£1.0k
Cash£1.0k£1.0k
Net assets£1.0k£1.0k

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 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2025-11-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-05-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-04-29
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  4. 2023-06-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-07-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-02-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-05-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2019-05-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-06-04
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2017-06-10
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  11. 2016-06-01
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-04-12
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2016-03-31
    ➖
    TORRANCE, Andrew resigned
    director
  14. 2015-10-01
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-06-24
    📄
    capital-name-of-class-of-shares
    capital · SH08
  16. 2015-06-24
    📄
    resolution
    resolution · RESOLUTIONS
  17. 2015-06-04
    🔒
    Charge registered #1
    Lender: Moorburn Industries Limited
  18. 2014-09-24
    ➕
    BEARD, John Edward appointed
    director
  19. 2014-09-24
    ➕
    TORRANCE, Andrew appointed
    director
  20. 2014-09-02
    🏢
    Company incorporated
    As LOCH FYNE WHISKIES LIMITED
  21. 2014-09-02
    ➕
    BANKIER, Ian Patrick appointed
    director

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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 74 — succession pressure is live.

Succession & seller-readiness

71/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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
Mr John Edward Beard
Individual · British · DOB 07/1962 · age 64
50–75%
—50-75% shares06/04/2016
Mr Ian Patrick Bankier
Individual · British · DOB 03/1952 · age 74
25–50%
—25-50% shares06/04/2016

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
Incorporated2014-09-02
Jurisdictionscotland
Primary SIC47250 — SIC 47250

Registered office

Melisa House
3 Brand Place
Glasgow
G51 1DR

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-09-16
Last: 2025-09-02

Officers (2 active · 1 resigned)

BANKIER, Ian Patrick→
director · ~74y · appointed 2014-09-02
View their other companies + combined net worth →
Active
BEARD, John Edward→
director · ~64y · appointed 2014-09-24
View their other companies + combined net worth →
Active
TORRANCE, Andrew→
director · ~47y · appointed 2014-09-24 · resigned 2016-03-31
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
Moorburn Industries
Moorburn Industries Limited
A registered charge—04/06/2015—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (32 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-24
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-07
change-account-reference-date-company-previous-extended
accounts · AA01
2024-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-16
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-14
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-05-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-09-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-05-30