FISHERS SERVICES LIMITED
🌳Matureactive
SC067627 · ltd · incorporated 1979-04-18
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
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Washing and (dry-)cleaning of textile and fur products
Sector: Other service activities
Investor take
PursueActive trading company with a 67-year-old founder — textbook succession opportunity.
Opportunity 72/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 67). Biggest value-creation lever: Consolidate lender relationships. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
21 live charges · 9 lenders · oldest 40.5y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 40.5 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: medium (59/100)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
No iXBRL financials extracted
0
Lenders & charges
21 charges (21/21 with lender, 21/21 with type)
90
Directors & officers
25 officers (3 active, 25 linked, 19 with DOB)
85
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
201 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (96 events)Click to expand
- 2025-10-08📄accounts-with-accounts-type-fullaccounts · AA
- 2025-06-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-16🔒Charge registered #21Lender: The Toronto-Dominion Bank as Security Agent
- 2025-06-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-11🔒Charge registered #20Lender: The Toronto-Dominion Bank (As Security Agent)
- 2025-06-11🔒Charge registered #19Lender: The Toronto-Dominion Bank (As Security Agent)
- 2024-09-19📄accounts-with-accounts-type-fullaccounts · AA
- 2024-04-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-16🔓Charge satisfied #16
- 2024-04-16🔓Charge satisfied #15
- 2024-04-16🔓Charge satisfied #14
- 2024-04-16🔓Charge satisfied #13
- 2024-04-16🔓Charge satisfied #12
- 2024-04-16🔓Charge satisfied #11
- 2024-04-16🔓Charge satisfied #10
- 2024-04-16🔓Charge satisfied #9
- 2024-04-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-28🔒Charge registered #18Lender: The Toronto-Dominion Bank as Security Agent
- 2024-03-26🔒Charge registered #17Lender: The Toronto-Dominion Bank (As Security Agent)
- 2023-10-11📄accounts-with-accounts-type-fullaccounts · AA
- 2022-09-15📄accounts-with-accounts-type-fullaccounts · AA
- 2021-10-05📄accounts-with-accounts-type-fullaccounts · AA
- 2021-01-05📄accounts-with-accounts-type-fullaccounts · AA
- 2020-01-07🔒Charge registered #16Lender: The Toronto-Dominion Bank
- 2020-01-07🔒Charge registered #15Lender: The Toronto-Dominion Bank
- 2020-01-07🔒Charge registered #14Lender: The Toronto-Dominion Bank
- 2018-03-06🔒Charge registered #13Lender: The Toronto-Dominion Bank
- 2018-03-06🔒Charge registered #12Lender: The Toronto-Dominion Bank
- 2018-03-06🔒Charge registered #11Lender: The Toronto-Dominion Bank
- 2018-03-06🔒Charge registered #10Lender: The Toronto-Dominion Bank
- 2017-12-14🔓Charge satisfied #8
- 2017-12-14🔓Charge satisfied #7
- 2017-12-14🔓Charge satisfied #6
- 2017-12-14🔓Charge satisfied #5
- 2017-11-27➕HILLS, Matthew appointeddirector
- 2017-11-27➕MCCURDY, Linda appointeddirector
- 2017-11-27➖RENAUT, Lucy Jane resignedsecretary
- 2017-11-27➖INGLIS, Scott Ian resigneddirector
- 2017-11-27➖RENAUT, Lucy Jane resigneddirector
- 2017-11-27🔒Charge registered #9Lender: The Toronto-Dominion Bank
- 2014-10-30➖INGLIS, Scott Ian resignedsecretary
Showing most recent 50 of 96 events
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 67 — succession pressure is live.
Succession & seller-readiness
65/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- secondaryStable-but-static management: Company is 47 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
2 med · 1 low3 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-06-16: A registered charge; 2025-06-11: A registered charge; 2025-06-11: A registered charge
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
5 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Fishers Topco Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Fishers Topco Limited
Corporate parent · holds 75-100% shares · board control
⬇
FISHERS SERVICES LIMITED
This company · SC067627
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Fishers Topco Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 23/12/2019 |
2 historic (ceased) PSCs
- Fishers Services Group Holdings Limitedceased 23/12/2019· 75-100% shares · 75-100% voting · board control
- Fishers Holdings Ltdceased 23/12/2019· 75-100% shares · 75-100% voting · board control · significant influence
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 →Similar companies
Active · Trade services · KY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| DEARS PROPERTY LTD→ SC633033 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| DUFFY’S DIAMONDS LTD→ SC838832 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| F & M DEVELOPMENTS (SHETLAND) LTD.→ SC298555 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| FIFE LANDSCAPES & ARTIFICIAL GRASS LIMITED→ SC672626 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FISHER & DONALDSON (CUPAR) LIMITED→ SC656669 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| FLEXI BUSINESS SUPPORT LIMITED→ SC666621 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FLINTRIVER LIMITED→ SC211127 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| FRIENDS OF CRAIGTOUN→ SC440222 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| FUTUREFAST LIMITED→ SC499989 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| GET IT DONE CLEANING LTD→ SC574427 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| GIES A HAND LTD→ SC777067 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| GLEAM QUEENS LTD→ SC761098 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated1979-04-18
Jurisdictionscotland
Primary SIC96010 — Washing and (dry-)cleaning of textile and fur products
Registered office
Edenfields
Cupar Trading Estate
Cupar
KY15 4SX
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-01
Last: 2025-09-17
Officers (3 active · 22 resigned)
HILLS, Matthew→
Activedirector · ~67y · appointed 2017-11-27
View their other companies + combined net worth →
JONES, Michael William→
Activedirector · ~62y · appointed 2014-06-18
View their other companies + combined net worth →
MCCURDY, Linda→
Activedirector · ~58y · appointed 2017-11-27
View their other companies + combined net worth →
FISHER, Jennifer Elizabeth→
Resignedsecretary · appointed 2001-07-01 · resigned 2004-03-26
FISHER, Judith Margaret→
Resignedsecretary · appointed 1993-05-17 · resigned 2001-07-01
INGLIS, Scott Ian→
Resignedsecretary · appointed 2012-10-05 · resigned 2014-10-30
MACKAY, Roderick Gunn→
Resignedsecretary · appointed 2004-03-26 · resigned 2012-09-30
RENAUT, Lucy Jane→
Resignedsecretary · appointed 2014-10-30 · resigned 2017-11-27
SANDIE, James Scott→
Resignedsecretary · resigned 1993-05-17
ADAM, Ian C→
Resigneddirector · ~83y · appointed 1999-09-28 · resigned 2004-03-26
CALDER, Graeme Stuart Mclennan→
Resigneddirector · ~80y · resigned 1993-05-17
CRAWFORD, Douglas John→
Resigneddirector · ~65y · appointed 1995-10-26 · resigned 1997-09-17
DUNCAN, Alexander Marshall→
Resigneddirector · ~87y · resigned 1996-07-30
FISHER, Donald Mcdonald→
Resigneddirector · ~84y · resigned 2004-03-26
FISHER, James→
Resigneddirector · ~113y · resigned 1990-09-17
FISHER, Judith Margaret→
Resigneddirector · ~77y · appointed 1993-05-17 · resigned 2001-07-01
INGLIS, Scott Ian→
Resigneddirector · ~54y · appointed 2012-10-05 · resigned 2017-11-27
KELLY, David Mcarthur→
Resigneddirector · ~95y · resigned 1996-04-11
MACKAY, Roderick Gunn→
Resigneddirector · ~73y · appointed 1999-10-13 · resigned 2013-06-28
MCHARDY, Bruce Alexander→
Resigneddirector · ~72y · appointed 1993-10-19 · resigned 2014-06-18
Click a director name to see their full track record across all companies.
Mortgages & charges
21
Total charges
5
Outstanding
2
Active lenders
Status:Lender:21 of 21 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Toronto-Dominion Bank as Security Agent | A registered charge | 1 property | 16/06/2025 | — | |
| outstanding | The Toronto-Dominion Bank (As Security Agent) | A registered charge | 1 property | 11/06/2025 | — | |
| outstanding | The Toronto-Dominion Bank (As Security Agent) | A registered charge | — | 11/06/2025 | — | |
| outstanding | The Toronto-Dominion Bank as Security Agent | A registered charge | 1 property | 28/03/2024 | — | |
| outstanding | The Toronto-Dominion Bank (As Security Agent) | A registered charge | 1 property | 26/03/2024 | — | |
| satisfied | The Toronto-Dominion Bank | A registered charge | 1 property | 07/01/2020 | 16/04/2024 | |
| satisfied | The Toronto-Dominion Bank | A registered charge | 1 property | 07/01/2020 | 16/04/2024 | |
| satisfied | The Toronto-Dominion Bank | A registered charge | 1 property | 07/01/2020 | 16/04/2024 | |
| satisfied | The Toronto-Dominion Bank | A registered charge | — | 06/03/2018 | 16/04/2024 | |
| satisfied | The Toronto-Dominion Bank | A registered charge | — | 06/03/2018 | 16/04/2024 | |
| satisfied | The Toronto-Dominion Bank | A registered charge | — | 06/03/2018 | 16/04/2024 | |
| satisfied | The Toronto-Dominion Bank | A registered charge | — | 06/03/2018 | 16/04/2024 | |
| satisfied | The Toronto-Dominion Bank | A registered charge | 1 property | 27/11/2017 | 16/04/2024 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC as Security Agent | A registered charge | — | 27/06/2013 | 14/12/2017 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC as Security Agent | A registered charge | — | 27/06/2013 | 14/12/2017 | |
| satisfied | Cavendish Square Partners Cavendish Square Partners Limited | A registered charge | 1 property | 27/06/2013 | 14/12/2017 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | A registered charge | 1 property | 27/06/2013 | 14/12/2017 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Floating charge | 1 property | 30/11/2007 | 02/07/2013 | |
| satisfied | Close Investment Partners Close Investment Partners Limited | Floating charge | 1 property | 26/03/2004 | 05/12/2007 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Floating charge | 1 property | 26/03/2004 | 05/12/2007 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Letter of offset | 1 property | 31/10/1985 | 16/03/2004 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (201 total)
accounts-with-accounts-type-full
accounts · AA
2025-10-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-24
accounts-with-accounts-type-full
accounts · AA
2024-09-19
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-16