FIFE AUTO CENTRE LTD.

🌳Matureactive

SC194842 · ltd · incorporated 1999-03-30

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.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 22.6y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: SIC 45200

Sector: Wholesale & retail

Investor take

Pursue

Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 75/100. 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 (65/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 22.6y

50/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 22.6 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (55/100)

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

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

18 officers (8 active, 18 linked, 14 with DOB)

Ownership & PSC

1 active PSC(s) of 4 total, 4 with control declared

Director network

Network not yet resolved

Filing history

133 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

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

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts
• 1 mortgage

Counts from Companies House filing history.

Corporate timeline (56 events)Click to expand

2025-12-16
📄
accounts-with-accounts-type-small
accounts · AA
2025-11-27
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-27
🔓
Charge satisfied #1
2025-03-25
📄
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-03-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-19
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-11
🔒
Charge registered #3
Lender: Hsbc UK Bank PLC
2024-10-17
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-16
🔒
Charge registered #2
Lender: Hsbc UK Bank PLC
2024-07-30
➖
BOND, Charles Steven resigned
director
2024-07-30
➖
CHRISTIAN, Scott resigned
director
2024-07-30
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-07-30
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-07-19
📄
capital-return-purchase-own-shares
capital · SH03
2024-07-19
📄
capital-return-purchase-own-shares
capital · SH03
2024-07-11
📄
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-07-11
📄
capital-cancellation-shares
capital · SH06
2024-07-11
📄
capital-cancellation-shares
capital · SH06
2024-07-04
📄
memorandum-articles
incorporation · MA
2024-07-04
📄
resolution
resolution · RESOLUTIONS
2024-07-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-07-02
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-07-02
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-07-02
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-07-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-07-02
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-07-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-07-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-06-27
➕
RANN, Duncan Alistair appointed
director
2024-06-27
➖
MEECHAN, Elaine Margaret resigned
secretary
2024-06-27
➕
BOND, Charles Steven appointed
director
2024-06-27
➕
CHRISTIAN, Scott appointed
director
2024-06-27
➖
MEECHAN, Elaine Margaret resigned
director
2022-12-19
➕
MCKINNON, James Iain Gibson appointed
director
2020-03-10
➕
MEECHAN, Scott appointed
director
2018-02-21
➕
FORRESTER, Richard appointed
director
2018-02-21
➕
FRASER, Gillian Marlene appointed
director
2017-10-15
➕
MEECHAN, Craig appointed
director
2005-12-21
➖
BAISLEY, Ann resigned
director
2003-09-04
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
2001-04-09
➕
BAISLEY, George David appointed
director
2001-04-09
➕
MEECHAN, Brian Thomas appointed
director
2000-12-19
➖
BAISLEY, George David resigned
director
2000-12-19
➖
MEECHAN, Brian Thomas resigned
director
1999-08-30
➕
MEECHAN, Elaine Margaret appointed
secretary
1999-08-30
➕
BAISLEY, Ann appointed
director
1999-08-30
➕
BAISLEY, George David appointed
director
1999-08-30
➕
MEECHAN, Brian Thomas appointed
director
1999-08-30
➕
MEECHAN, Elaine Margaret appointed
director
1999-03-30
🏢
Company incorporated
As FIFE AUTO CENTRE LTD.

Showing most recent 50 of 56 events

Owner dependency

66/100

High — earn-out structure required

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

FACTORS

-8 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 64 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

70/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
primary20+ year tenure: Director in role 25 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

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

R & R C Bond Wholesale (Scotland) Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

R & R C Bond Wholesale (Scotland) Ltd

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

FIFE AUTO CENTRE LTD.

This company · SC194842

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
R & R C Bond Wholesale (Scotland) Ltd Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	27/06/2024

3 historic (ceased) PSCs

Mr James Iain Gibson Mckinnonceased 26/06/2024· 75-100% shares
Mr Brian Meechanceased 27/06/2024· 25-50% shares · 25-50% voting
Mrs Elaine Margaret Meechanceased 27/06/2024· 25-50% shares · 25-50% voting

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Automotive · KY postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
FLEAR & THOMSON LIMITED→ SC028660 · est 1951	£2.08M £1.66M–£2.49M	—	—	—	74y	82	80y
ALAN BENNIE MOTOR ENGINEERS LIMITED→ SC260726 · est 2003	—	—	—	700	22y	82	58y
BODYWYSE AUTOCARE LIMITED→ SC285841 · est 2005	—	—	£1.08M	—	20y	82	59y
CLEVEDEN CARS LIMITED→ SC180119 · est 1997	—	—	—	200	28y	82	63y
FIFE ACCIDENT REPAIR CENTRE LIMITED→ SC276436 · est 2004	—	—	—	1100	21y	82	64y
FIFE SEAT LIMITED→ SC331707 · est 2007	—	—	£26.8k	—	18y	82	59y
FRANK MUNRO & SONS LIMITED→ SC241429 · est 2002 · no financials extracted	—	—	—	—	23y	82	62y
SHIFTY PSYCLES LTD→ SC864645 · est 2025 · no financials extracted	—	—	—	—	—	—	—
SINCLAIR-ROJAS LIMITED→ SC152154 · est 1994 · no financials extracted	—	—	—	—	31y	—	—
SWAN CAR BROKERS LTD→ SC822342 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
SYNEX ENTERPRISES LIMITED→ SC837875 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
T K H LTD→ SC863636 · est 2025 · no financials extracted	—	—	—	—	—	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

7 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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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

Incorporated1999-03-30

Jurisdictionscotland

Primary SIC45200 — SIC 45200

Registered office

3 Blackwood Road

Eastfield Industrial Estate

Glenrothes

KY7 4NP

Scotland

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-03-02

Last: 2026-02-16