FIFE INNS (CUPAR) LIMITED
🌳Matureactive
SC118700 · ltd · incorporated 1989-06-22
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
—
year to Sept 2024
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Public houses and bars
Sector: Accommodation & food service
Investor take
PursueActive trading company with a 76-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 57/100. Strong seller-intent signal (68/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
🏦
Refinance opportunity
10 live charges · 5 lenders · oldest 36.6y
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 36.6 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: high (81/100)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
10 charges (10/10 with lender, 10/10 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 4 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
122 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Average employees | 200 | 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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (45 events)Click to expand
- 2025-06-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-18📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2021-03-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2017-10-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2017-10-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2017-09-21➕HAIR, James appointeddirector
- 2017-09-21➖GILMOUR, Grace Jane resigneddirector
- 2017-06-21📄change-person-director-company-with-change-dateofficers · CH01
- 2017-02-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-07-01📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2006-07-21➕JAMES HAIR GROUP LIMITED appointedcorporate-secretary
- 2006-07-21➖ROLLO DAVIDSON MCFARLANE, Messrs resignedsecretary
- 2005-01-01➕ROLLO DAVIDSON MCFARLANE, Messrs appointedsecretary
- 2004-12-31➖GREEN TOWNS W.S. resignedcorporate-secretary
- 2001-09-25🔓Charge satisfied #7
- 1998-12-04🔓Charge satisfied #3
- 1998-07-28🔓Charge satisfied #8
- 1998-07-28🔓Charge satisfied #5
- 1998-07-28🔓Charge satisfied #4
- 1998-07-16🔒Charge registered #11Lender: Clydesdale Bank Public Limited Company
- 1996-10-15🔒Charge registered #9Lender: Clydesdale Bank Public Limited Company
- 1996-10-14🔒Charge registered #8Lender: Scottish & Newcastle PLC
- 1996-10-04🔒Charge registered #7Lender: Clydesdale Bank Public Limited Company
- 1996-06-28➕GILMOUR, Grace Jane appointeddirector
- 1994-09-13➕GREEN TOWNS W.S. appointedcorporate-secretary
- 1994-09-13➖PAGAN OSBORNE GRACE & CALDERS resignedcorporate-nominee-secretary
- 1993-09-27🔒Charge registered #6Lender: The Governor and Company of the Bank of Scotland
- 1991-07-19🔒Charge registered #5Lender: Scottish & Newcastle Breweries PLC
- 1991-07-02🔓Charge satisfied #1
- 1991-05-31🔒Charge registered #4Lender: Scottish & Newcastle Breweries PLC
- 1991-05-27🔒Charge registered #3Lender: Scottish & Newcastle Breweries PLC
- 1990-12-31➖CLARKE, John Bernard resignednominee-director
- 1989-12-08🔒Charge registered #2Lender: Standard Property Investment PLC
- 1989-10-09🔒Charge registered #1Lender: Standard Property Investment PLC
- 1989-06-22🏢Company incorporatedAs FIFE INNS (CUPAR) LIMITED
- 1989-06-22➕PAGAN OSBORNE GRACE & CALDERS appointedcorporate-nominee-secretary
- 1989-06-22➕CLARKE, John Bernard appointednominee-director
Owner dependency
73/100
High — earn-out structure requiredMaterial 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 76 — succession pressure is live.
Succession & seller-readiness
76/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 37 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple 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 James Hair Individual · British · DOB 04/1954 · age 72 | 25–50% | — | 25-50% shares | 20/06/2018 |
Mr Robert Mason Individual · British · DOB 06/1950 · age 76 | 25–50% | — | 25-50% shares | 06/04/2016 |
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 →Similar companies
Active · Hospitality · KY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| HAWKSWOOD RESORT DEVELOPMENT LIMITED→ SC656585 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| J LI GLASGOW LTD→ SC777801 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| KASDUN LIMITED→ SC698888 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| KUPPO (YM) LIMITED→ SC828286 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| LOCH LEVENS LARDER LTD→ SC636365 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| LOS TOROS DUNFERMLINE LTD→ SC855105 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| M M (FIFE) LIMITED→ SC592197 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| MAHIN & MIRAAL FOOD LTD→ SC858754 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| MAKZEE LTD→ SC877764 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| MARDAL LIMITED→ SC393171 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| MARDI GRAS BARS LTD→ SC829820 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| MARIA'S BAKING STORIES LTD→ SC697973 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated1989-06-22
Jurisdictionscotland
Primary SIC56302 — Public houses and bars
Registered office
59 Bonnygate
Cupar
Fife
KY15 4BY
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-07-05
Last: 2025-06-21
Officers (3 active · 5 resigned)
JAMES HAIR GROUP LIMITED→
Activecorporate-secretary · appointed 2006-07-21
View their other companies + combined net worth →
Active
Active
ROLLO DAVIDSON MCFARLANE, Messrs→
Resignedsecretary · appointed 2005-01-01 · resigned 2006-07-21
GREEN TOWNS W.S.→
Resignedcorporate-secretary · appointed 1994-09-13 · resigned 2004-12-31
PAGAN OSBORNE GRACE & CALDERS→
Resignedcorporate-nominee-secretary · appointed 1989-06-22 · resigned 1994-09-13
CLARKE, John Bernard→
Resignednominee-director · ~71y · appointed 1989-06-22 · resigned 1990-12-31
GILMOUR, Grace Jane→
Resigneddirector · ~79y · appointed 1996-06-28 · resigned 2017-09-21
Click a director name to see their full track record across all companies.
Mortgages & charges
10
Total charges
4
Outstanding
3
Active lenders
Status:Lender:10 of 10 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 16/07/1998 | — | |
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 15/10/1996 | — | |
| satisfied | Scottish & Newcastle Scottish & Newcastle PLC | Standard security | 1 property | 14/10/1996 | 28/07/1998 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 04/10/1996 | 25/09/2001 | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 27/09/1993 | — | |
| satisfied | Scottish & Newcastle Breweries Scottish & Newcastle Breweries PLC | Standard security | 1 property | 19/07/1991 | 28/07/1998 | |
| satisfied | Scottish & Newcastle Breweries Scottish & Newcastle Breweries PLC | Standard security | 1 property | 31/05/1991 | 28/07/1998 | |
| satisfied | Scottish & Newcastle Breweries Scottish & Newcastle Breweries PLC | Floating charge | 1 property | 27/05/1991 | 04/12/1998 | |
| outstanding | Standard Property Investment Standard Property Investment PLC | Standard security | 1 property | 08/12/1989 | — | |
| satisfied | Standard Property Investment Standard Property Investment PLC | Floating charge | 1 property | 09/10/1989 | 02/07/1991 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (122 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-22
change-corporate-secretary-company-with-change-date
officers · CH04
2021-06-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-06-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-06-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2019-06-25