FIFE CHAMBER OF COMMERCE & ENTERPRISE LIMITED

🌳Matureactive

SC195315 · private-limited-guarant-nsc · incorporated 1999-04-16

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 steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

Opportunity decay

approaching window · 12-months

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

· Oldest live charge 23.0y old — refinance window within 12 months

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

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

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2024

Net worth

—

book net assets

Opportunity

78/100

Strong

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

What this business does

Primary activity: General public administration activities

Sector: Public administration

Investor take

Pursue

Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 85/100. Strong seller-intent signal (63/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 23.0y

65/100

clean up first

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

· Oldest live charge is 23.0 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (74/100)

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

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

76 officers (15 active, 76 linked, 74 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

8 connected companies via shared directors

Filing history

216 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

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

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.

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	2024-12-31	2023-12-31
Average employees	7	700

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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

• 1 confirmation-statement
• 1 officers

Last 180 days

filings

• 1 confirmation-statement
• 1 officers

Counts from Companies House filing history.

Corporate timeline (162 events)Click to expand

2026-04-28
📄
change-person-director-company-with-change-date
officers · CH01
2025-09-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-09-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-09-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-09-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-28
➕
DWYER, David appointed
director
2025-08-28
➕
HAWKER, Iain Wayne appointed
director
2025-08-28
➕
MENZIES, Vicky Cusick appointed
director
2025-08-28
➕
ONUONGA, Joyce Kwamboka appointed
director
2025-08-28
➖
HAYWOOD, Iain David Cairns resigned
director
2025-08-28
➖
STAPLEY, Greg resigned
director
2025-08-28
➖
VAN BILJON, Pieter Jacobus resigned
director
2025-01-16
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-01-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-01-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-01-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-01-14
➕
LISTER, Jason appointed
director
2025-01-14
➕
MCCORMICK, Sharron appointed
director
2025-01-14
➕
WILSON, Steven Kenneth appointed
director
2025-01-14
➖
LAGAN, Miles resigned
director
2025-01-07
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-07
🔓
Charge satisfied #1
2024-10-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-10-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-09-26
➕
CONNOLLY, Carol appointed
director
2024-09-26
➕
NEARY, Christine appointed
director
2024-09-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-30
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-04-30
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-04-30
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-02-01
➖
STUART, Heather Christine resigned
director
2023-12-31
➖
GOURLAY, Kenneth Angus resigned
director
2023-12-20
➖
BROGAN, Gavin James resigned
director
2023-05-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-05-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-05-04
➕
PERCY-ROBB, Stephen Leslie appointed
director
2023-05-04
➖
HORISK, Brian Joseph resigned
director
2023-01-01
➕
LAGAN, Miles appointed
director
2022-12-31
➖
DUNSMUIR, Susan Joanne resigned
director
2022-12-31
➖
MITCHELL, Alan Melville resigned
director
2022-06-22
➕
WATSON, Jacqueline appointed
director
2022-06-22
➕
BROGAN, Gavin James appointed
director
2022-06-22
➕
STAPLEY, Greg appointed
director
2022-04-30
➖
MCINTYRE, Janet Helen resigned
director
2021-06-17
➖
NICOLL, Alan Bruce resigned
director
2021-01-21
➖
HODSON, Carl Thomas resigned
director

Showing most recent 50 of 162 events

Owner dependency

63/100

High — earn-out structure required

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

FACTORS

-14 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 65 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

50/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.

Red flags

1 med ·

3 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: HAYWOOD, Iain David Cairns resigned 2025-08-28; STAPLEY, Greg resigned 2025-08-28; VAN BILJON, Pieter Jacobus resigned 2025-08-28

🔒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 · Other · KY postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BOYDSLAW 103 LIMITED→ SC302937 · est 2006 · no financials extracted	—	—	—	—	20y	83	59y
PARKER KISLINGBURY LIMITED→ SC209915 · est 2000 · no financials extracted	—	—	—	—	25y	83	60y
BIRNIE LANDFILL LIMITED→ SC181761 · est 1997	—	—	—	—	28y	82	65y
BRIGGS (OVERSEAS) LIMITED→ SC217945 · est 2001	—	—	—	0	25y	82	87y
C R SMITH CONSERVATORIES LIMITED→ SC090652 · est 1984 · no financials extracted	—	—	—	—	41y	82	74y
THE VINE CHURCH LIMITED→ SC329580 · est 2007 · no financials extracted	—	—	—	—	18y	82	61y
FISHER & DONALDSON LIMITED→ SC032124 · est 1957	—	—	—	400	69y	81	69y
LIBERTY LIGHTHOUSE LIMITED→ SC302278 · est 2006 · no financials extracted	—	—	—	—	20y	81	71y
METHIL DOCK NO. 3 ASSETS LIMITED→ SC182054 · est 1998	—	—	—	300	28y	81	76y
RHET FIFE COUNTRYSIDE INITIATIVE LIMITED→ SC229792 · est 2002 · no financials extracted	—	—	—	—	24y	81	68y
SHARED CARE SCOTLAND→ SC161033 · est 1995 · no financials extracted	—	—	—	—	30y	81	70y
THE CHOCOLATE FACTORY LIMITED→ SC259670 · est 2003	—	—	—	0	22y	81	69y

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.

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

Incorporated1999-04-16

Jurisdictionscotland

Primary SIC84110 — General public administration activities

Registered office

Office 46, Flexspace, John Smith Business Park

1 Begg Road

Kirkcaldy

Fife

KY2 6HD

Scotland

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-04-30

Last: 2026-04-16