THE LOCHSIDE HOTEL LIMITED

📈Growthactive
SC496257 · ltd · incorporated 2015-01-29
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
Why now
Window steady · medium confidence
Mixed signals — 1 changes over 30 days, no clear direction yet.
  • · Live charges: 5 → 6
What changed my view
Last 30 days

Picture worsened over the last 30 days — 1 negative signal vs 0 positive.

  • Live charges: 56
Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
Upgrade to see
Turnover
£120.0k
year to Mar 2025
Net worth
book net assets
Opportunity
70/100
Strong
🔔
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What this business does
Primary activity: Hotels and similar accommodation
Sector: Accommodation & food service
Investor take
Pursue
Strong opportunity: leverage-led grower with strong profile and acceptable with review structure.

Opportunity 70/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (70/100).

🏦

Refinance opportunity

6 live charges · 3 lenders · oldest 8.2y

45/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 8.2 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.
  • · Profitable and stable/growing — lender coverage supportable.

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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 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
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Profitable
Profit before tax £32,827
Strong revenue growth
Turnover up 21% YoY
Turnover YoY
+21%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Turnover£120.0k£99.0k
Gross profit£120.0k£99.0k
Profit before tax£32.8k£18.8k
Average employees100100

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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 mortgage
Last 180 days
2
filings
  • 1 mortgage
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-05-08
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2026-05-05
    🔒
    Charge registered #6
    Lender: The Royal Bank of Scotland PLC
  3. 2025-08-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-10-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-09-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-08-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2023-08-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2023-07-26
    🔒
    Charge registered #5
    Lender: Cumberland Building Society
  9. 2023-07-26
    🔒
    Charge registered #4
    Lender: Cumberland Building Society
  10. 2023-07-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2023-07-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2023-07-24
    🔓
    Charge satisfied #1
  13. 2023-07-21
    🔒
    Charge registered #3
    Lender: Cumberland Building Society
  14. 2022-08-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-11-18
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  16. 2021-11-18
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  17. 2021-10-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2020-06-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2019-07-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2018-10-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2018-07-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  22. 2018-07-10
    🔒
    Charge registered #2
    Lender: Royal Bank of Scotland PLC
  23. 2018-03-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2018-03-21
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  25. 2015-01-29
    🏢
    Company incorporated
    As THE LOCHSIDE HOTEL LIMITED
  26. 2015-01-29
    MORRISON, Neil appointed
    director

Owner dependency

80/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

50/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 low
5 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

Dunard Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Dunard Holdings Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
THE LOCHSIDE HOTEL LIMITED
This company · SC496257

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Dunard Holdings Limited
Corporate entity
75100%
75–100%board control75-100% shares · 75-100% voting · board control10/11/2021
1 historic (ceased) PSC
  • Mr Neil Morrisonceased 10/11/2021· 75-100% shares

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

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
Incorporated2015-01-29
Jurisdictionscotland
Primary SIC55100 — Hotels and similar accommodation

Registered office

The Lochside Hotel 20 Shore Street
Bowmore
Islay
Argyll
PA43 7LB
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-24
Last: 2026-01-10

Officers (1 active · 0 resigned)

MORRISON, Neil
director · ~48y · appointed 2015-01-29
View their other companies + combined net worth →
Active

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

Mortgages & charges

6
Total charges
5
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge05/05/2026
outstanding
Cumberland Building Society
A registered charge1 property26/07/2023
outstanding
Cumberland Building Society
A registered charge1 property26/07/2023
outstanding
Cumberland Building Society
A registered charge21/07/2023
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
A registered charge1 property10/07/2018
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge21/03/201824/07/2023
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (32 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-24
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-18
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2021-11-18