EAST LOTHIAN INVESTMENTS LIMITED

🌳Matureactive

SC187674 · private-limited-guarant-nsc · incorporated 1998-07-09

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

Why now

Window opening · high confidence

More negotiable than before — 3 signals weakening over the last 90 days.

· Hygiene score: 90 → 70
· Opportunity score: 81 → 73
· Bankability: 75 → 65
· Distress / opportunity: avoid → speculative

Opportunity decay

softening · 6-months

Softening — cumulative signals suggest this becomes more negotiable over the next 3–6 months.

· 3 recent signals weakening vs 0 strengthening

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

Picture worsened over the last 90 days — 3 negative signals vs 0 positive.

↓Opportunity score: 81 → 73
↓Hygiene score: 90 → 70
↓Bankability: 75 → 65
·Distress / opportunity: avoid → speculative

Last 180 days

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

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

—

book net assets

Opportunity

73/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Other credit granting n.e.c.

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed active trading company — structural issues outweigh the discount.

Opportunity 73/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (73/100)

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

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

19 officers (6 active, 19 linked, 14 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

9 connected companies via shared directors

Filing history

97 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

73/100Strong

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

Some moderate concerns — review flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

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	2025-03-31	2024-03-31
Average employees	0	0

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

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (49 events)Click to expand

2025-10-31
📄
accounts-with-accounts-type-small
accounts · AA
2024-08-23
📄
accounts-with-accounts-type-small
accounts · AA
2023-08-10
📄
accounts-with-accounts-type-small
accounts · AA
2023-07-06
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2023-07-06
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2023-06-26
➕
DEEGAN, Lisa Young appointed
secretary
2023-06-23
➖
BATY, Richard resigned
secretary
2022-12-23
📄
accounts-with-accounts-type-small
accounts · AA
2021-12-21
➕
ELDER, Louise, Dr appointed
director
2021-12-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-12-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-12-21
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-12-20
➕
HAMPSHIRE, Norman appointed
director
2021-12-17
➖
MURRAY, Eric Adam resigned
director
2021-10-27
➖
INNES, William, Councillor resigned
director
2021-10-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-10-27
📄
accounts-with-accounts-type-small
accounts · AA
2021-04-28
📄
change-person-secretary-company-with-change-date
officers · CH03
2020-09-24
📄
accounts-with-accounts-type-small
accounts · AA
2019-08-30
📄
accounts-with-accounts-type-small
accounts · AA
2018-09-19
📄
accounts-with-accounts-type-small
accounts · AA
2017-07-14
📄
accounts-with-accounts-type-small
accounts · AA
2015-12-16
➕
HARPER, Joseph William Meikle Cochran appointed
director
2015-10-15
➖
TUER, George Robert resigned
director
2012-06-06
➕
MCMILLAN, John Fleming Allan, Provost appointed
director
2012-06-06
➕
INNES, William, Councillor appointed
director
2012-06-06
➖
MCLENNAN, Paul Stewart resigned
director
2012-06-06
➖
RICHARDSON, Sheena Margaret resigned
director
2007-11-05
➕
MCLENNAN, Paul Stewart appointed
director
2007-09-11
➕
BATY, Richard appointed
secretary
2007-09-11
➖
HBJGW SECRETARIAL LIMITED resigned
corporate-secretary
2007-06-20
➕
RICHARDSON, Sheena Margaret appointed
director
2007-05-14
➖
COSTELLO, David resigned
director
2005-04-01
➕
COSTELLO, David appointed
director
2005-03-31
➖
SIMPSON, Brian resigned
director
2003-01-01
➖
RANKIN, Shane resigned
director
2001-04-01
➕
TUER, George Robert appointed
director
2000-10-10
➕
SIMPSON, Brian appointed
director
1999-02-03
➖
FORD, Peter James resigned
director
1999-01-19
➕
SHEARER, Rodney appointed
director
1999-01-19
➕
FORD, Peter James appointed
director
1999-01-19
➕
MURRAY, Eric Adam appointed
director
1998-07-09
🏢
Company incorporated
As EAST LOTHIAN INVESTMENTS LIMITED
1998-07-09
➕
HBJGW SECRETARIAL LIMITED appointed
corporate-secretary
1998-07-09
➕
RANKIN, Shane appointed
director
1998-07-09
➕
HBJ SECRETARIAL LIMITED appointed
corporate-director
1998-07-09
➖
HBJ SECRETARIAL LIMITED resigned
corporate-director
1998-07-09
➕
HENDERSON BOYD JACKSON LIMITED appointed
corporate-nominee-director
1998-07-09
➖
HENDERSON BOYD JACKSON LIMITED resigned
corporate-nominee-director

Owner dependency

65/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 28 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 75 — succession pressure is live.

Succession & seller-readiness

85/100

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 75 years old. Natural succession window is now.
primary20+ year tenure: Director in role 28 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 28 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

1 high ·

Confirmation statement overdue

high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-05-11

🔒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 · Financial services · EH postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AMATI GLOBAL INVESTORS LIMITED→ SC199908 · est 1999	£8.90M £6.47M–£11.33M	—	—	2800	26y	84	66y
CS MANAGERS LTD→ SC231678 · est 2002	£1.50M £1.09M–£1.91M	—	—	1200	24y	86	77y
GBCP VII (GENERAL PARTNER) LIMITED→ SC253395 · est 2003 · no financials extracted	—	—	—	—	22y	83	62y
NOBLE GROSSART LIMITED→ SC046265 · est 1969 · no financials extracted	—	—	—	—	57y	83	72y
PAYPLAN (SCOTLAND) LIMITED→ SC400113 · est 2011 · no financials extracted	—	—	—	—	15y	83	61y
PREMIER COMMERCIAL LIMITED→ SC160330 · est 1995	—	—	£282.5k	—	30y	83	61y
RIA CAPITAL MARKETS LIMITED→ SC226461 · est 2001 · no financials extracted	—	—	—	—	24y	83	58y
SCOTIA WEALTH MANAGEMENT LTD.→ SC267795 · est 2004	—	—	—	1300	22y	83	58y
ALAN STEEL (ASSET MANAGEMENT) LIMITED→ SC058014 · est 1975	—	—	—	44	51y	82	62y
ALEX HAMMOND-CHAMBERS & COMPANY→ SC126819 · est 1990 · no financials extracted	—	—	—	—	35y	82	84y
FAMILY & BUSINESS ASSURANCE (SERVICES) LIMITED→ SC347357 · est 2008	—	—	£50.9k	—	17y	82	67y
HAMILTON DALRYMPLE TRUST COMPANY.→ SC017910 · est 1934 · no financials extracted	—	—	—	—	92y	82	71y

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

Typeprivate-limited-guarant-nsc

Incorporated1998-07-09

Jurisdictionscotland

Primary SIC64929 — Other credit granting n.e.c.

Registered office

John Muir House Room 2.19

Brewery Park

Haddington

East Lothian

EH41 3HA

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-05-11OVERDUE

Last: 2025-04-27