PEOPLES ECOSSE LIMITED

🌳Matureactive

SC176576 · ltd · incorporated 1997-06-19

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

79/100

Strong

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What this business does

Primary activity: Sale of new cars and light motor vehicles

Sector: Wholesale & retail

ALSO REGISTERED FOR

45112SIC 45112
45200SIC 45200
45310SIC 45310

Investor take

Pursue

Active trading company with a 77-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 77). Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

6 live charges · 3 lenders · oldest 27.2y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 27.2 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (60/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 4 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

6 charges (6/6 with lender, 6/6 with type)

Directors & officers

20 officers (11 active, 20 linked, 16 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

10 connected companies via shared directors

Filing history

119 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

• 3 officers
• 2 accounts

Counts from Companies House filing history.

Corporate timeline (55 events)Click to expand

2025-12-22
➕
DEWAR, Lianne appointed
director
2025-12-22
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-12-12
📄
accounts-amended-with-accounts-type-full
accounts · AAMD
2025-12-03
📄
accounts-with-accounts-type-full
accounts · AA
2025-11-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-10
➕
CONNOLLY, Jennifer appointed
director
2025-11-10
➕
CURRY, Danielle Elizabeth appointed
director
2024-12-06
📄
accounts-with-accounts-type-full
accounts · AA
2024-09-23
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-11-02
📄
accounts-with-accounts-type-full
accounts · AA
2022-11-04
📄
accounts-with-accounts-type-full
accounts · AA
2022-08-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-07-29
➖
CLEZY, Kenneth resigned
director
2022-07-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-07-26
➕
MCDIVITT, Darren James Stalker appointed
director
2022-03-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-03-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-03-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-03-19
➕
JOHANNESEN, John appointed
director
2022-03-19
➕
MORRISON, Roy Justin appointed
director
2022-03-17
➕
NEWTON, Jeffrey Phillip appointed
director
2021-10-21
📄
accounts-with-accounts-type-full
accounts · AA
2020-10-23
📄
accounts-with-accounts-type-full
accounts · AA
2019-10-11
📄
accounts-with-accounts-type-full
accounts · AA
2018-10-20
📄
accounts-with-accounts-type-full
accounts · AA
2016-10-31
➖
WATERHOUSE, Jacqueline Stewart resigned
director
2010-03-04
🔓
Charge satisfied #2
2008-01-25
➖
WILSON, Ronald Ian resigned
director
2005-10-26
➕
GILDA, Nicola Sara appointed
director
2005-07-04
➕
WATERHOUSE, Jacqueline Stewart appointed
director
2005-06-09
➖
GUTHRIE, Andrew resigned
director
2005-01-29
➖
SHARP, Brian resigned
director
2004-01-27
🔒
Charge registered #6
Lender: Fce Bank PLC
2004-01-27
🔒
Charge registered #5
Lender: Fce Bank PLC
2003-05-19
🔒
Charge registered #4
Lender: Fce Bank PLC
2003-05-19
🔒
Charge registered #3
Lender: Fce Bank PLC
2002-07-31
➕
GUTHRIE, Andrew appointed
director
2002-07-31
➕
SHARP, Brian appointed
director
2000-08-18
➕
CLEZY, Kenneth appointed
director
2000-08-18
➖
GENTLES, Derek John resigned
director
1999-06-29
➕
GENTLES, Derek John appointed
director
1999-06-29
➕
WILSON, Ronald Ian appointed
director
1999-02-23
🔒
Charge registered #2
Lender: Capital Bank PLC
1999-02-19
🔒
Charge registered #1
Lender: The Governor and Company of the Bank of Scotland
1997-07-29
➕
RAMSAY, Stewart Mitchell appointed
secretary
1997-07-29
➕
GILDA, Brian Paton appointed
director
1997-07-29
➕
RAMSAY, Stewart Mitchell appointed
director
1997-07-29
➖
MACLAY MURRAY & SPENS LLP resigned
corporate-nominee-secretary
1997-07-29
➖
VINDEX LIMITED resigned
corporate-nominee-director

Showing most recent 50 of 55 events

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

-10 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 29 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 77 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
primary20+ year tenure: Director in role 29 years. Very long tenure is a classic succession signal.
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

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

🏛️

Peoples Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

PEOPLES ECOSSE LIMITED

This company · SC176576

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
Peoples Limited Corporate entity	75–100%	—	75-100% 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 · Automotive · FK postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
DUMBARTON SERVICE STATION LIMITED→ SC261638 · est 2004	—	—	£948.4k	—	22y	83	60y
J K TYRES AND AUTOCENTRE LIMITED→ SC253238 · est 2003 · no financials extracted	—	—	—	—	22y	83	61y
PEOPLES DETROIT LIMITED→ SC119922 · est 1989 · no financials extracted	—	—	—	—	36y	83	77y
333 SERVICES LIMITED→ SC314584 · est 2007	—	—	—	300	19y	82	71y
A T W TRANSPORT LTD.→ SC217667 · est 2001	—	—	—	—	25y	82	59y
BROOK STREET AUTOS LIMITED→ SC140531 · est 1992	—	—	—	6	33y	82	72y
CENTRAL GARAGE (STIRLING) LTD→ SC378947 · est 2010	—	—	£118.7k	—	15y	82	72y
J K TYRES AND AUTOCENTRE (STENHOUSEMUIR) LIMITED→ SC661261 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
NORTHEND GARAGE LIMITED→ SC484855 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
PRO-DIVISION CAR SALES LTD→ SC606097 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
REDHOUSE GARAGE (SCOTLAND) LIMITED→ SC348251 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
RMA AUTO SERVICES LTD→ SC811811 · est 2024 · no financials extracted	—	—	—	—	1y	—	—

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.

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🔒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.

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Company details

Statusactive

Typeltd

Incorporated1997-06-19

Jurisdictionscotland

Primary SIC45111 — Sale of new cars and light motor vehicles

Registered office

Peoples Ecosse Limited

Callendar Road

Falkirk

FK1 1SQ

Scotland

Filing status

Accounts

Next due: 2027-04-30

Last made up to: 2025-07-31

Confirmation statement

Next due: 2026-07-03

Last: 2025-06-19