LOCHTOWER JEWEL LTD
- · Oldest live charge 3.7y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 3.7y
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~3.7 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (73/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £100 | £100 |
| Current assets | £100 | £100 |
| Net assets | £100 | £100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (11 events)Click to expand
- 2025-10-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-25🔒Charge registered #1Lender: Bruce Weir Holdings Limited
- 2021-10-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-01-20🏢Company incorporatedAs LOCHTOWER JEWEL LTD
- 2020-01-20➕WAUCHOPE, James Andrew appointeddirector
- 2020-01-20➕WAUCHOPE, Victoria Catherine appointeddirector
- 2020-01-20📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanRadial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| 1273 TAXIS LTD.→ SC330238 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
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| AINSCOUGH FARM COMPANY→ 03504170 · est 1998 · no financials extracted | — | — | — | — | 28y | — | — |
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| ANGLO HILLWOOD LIMITED→ 10095538 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ANGLO MACSCOTT LIMITED→ 08933055 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| APGL HOLDINGS 2023 LIMITED→ SC781717 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BARMOOR HOLDINGS LIMITED→ 14752053 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| BATHROOM PLANET HOLDINGS LTD→ SC709905 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BOLDRAM PROPERTY MANAGEMENT LTD→ 15569435 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| BRADA MANAGEMENT LIMITED→ 11206829 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BRAGG GROUP LTD→ 09800076 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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 →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
Registered office
Filing status
Officers (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Bruce Weir Holdings Bruce Weir Holdings Limited | A registered charge | 1 property | 25/08/2022 | — |