EDINBURGH RISK MANAGEMENT (GENERAL) LIMITED
🌳Matureactive
SC222279 · ltd · incorporated 2001-08-16
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 24.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
—
book net assets
Opportunity
81/100
Exceptional
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueActive trading company with a 72-year-old founder — textbook succession opportunity.
Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 72). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 24.5y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 24.5 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 4 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
75 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
82
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 · accounting standard unknown| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Average employees | 1400 | 1400 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2025-08-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-08-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-20📄capital-return-purchase-own-sharescapital · SH03
- 2023-11-06📄capital-cancellation-sharescapital · SH06
- 2023-09-04📄accounts-with-accounts-type-smallaccounts · AA
- 2022-11-08📄accounts-with-accounts-type-smallaccounts · AA
- 2021-12-02📄accounts-with-accounts-type-smallaccounts · AA
- 2020-11-11📄accounts-with-accounts-type-smallaccounts · AA
- 2019-09-24📄capital-allotment-sharescapital · SH01
- 2019-09-24📄capital-alter-shares-subdivisioncapital · SH02
- 2019-09-24📄resolutionresolution · RESOLUTIONS
- 2019-09-03📄accounts-with-accounts-type-smallaccounts · AA
- 2018-09-04📄accounts-with-accounts-type-smallaccounts · AA
- 2017-09-06📄accounts-with-accounts-type-smallaccounts · AA
- 2008-12-31➖BROWN, Peter Currie resigneddirector
- 2004-12-23🔓Charge satisfied #1
- 2004-01-14🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2003-04-09➕MACKIE, Alexander Wilson appointeddirector
- 2003-01-20➕BROWN, Peter Currie appointeddirector
- 2001-10-31🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2001-09-06➕MACKIE, Alexander Wilson appointedsecretary
- 2001-09-06➕MACKIE, Diane Alice appointeddirector
- 2001-09-06➖SKENE EDWARDS WS resignedcorporate-nominee-secretary
- 2001-09-06➖MACDONALD, Robert Iain Ferguson resigneddirector
- 2001-08-16🏢Company incorporatedAs EDINBURGH RISK MANAGEMENT (GENERAL) LIMITED
- 2001-08-16➕SKENE EDWARDS WS appointedcorporate-nominee-secretary
- 2001-08-16➕MACDONALD, Robert Iain Ferguson appointeddirector
Owner dependency
91/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 72 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
96/100
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 72 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 25 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 lowMultiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Diane Alice Mackie Individual · Scottish · DOB 05/1956 · age 70 | — | — | sig. influencesignificant influence | 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
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|---|---|---|---|---|---|---|---|
| KILGOUR INVESTMENTS LIMITED→ SC555112 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| KK ADVISER LTD→ SC761416 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| L & R MORTGAGE SOLUTIONS LIMITED→ SC765865 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| L3 INVESTMENT HOLDINGS GP LIMITED→ SC521123 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| LARCHPOINT 1B RB COINVEST GP LIMITED→ SC677796 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| LARCHPOINT ALTERNATIVE RB COINVEST GP LIMITED→ SC677821 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| LAUDER MONEYMANAGEMENT LTD→ SC450415 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| LEGACY RENEWAL COMPANY LIMITED→ SC121126 · est 1989 · no financials extracted | — | — | — | — | 36y | — | — |
| LENDINGCROWD FINANCE LIMITED→ SC623674 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| LETTUCE PAY LTD→ SC746039 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| LG-B-50A LIMITED→ SC765614 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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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
Typeltd
Incorporated2001-08-16
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
55, Market Street Haddington
Market Street
Haddington
EH41 3JG
Scotland
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-08-30
Last: 2025-08-16
Officers (3 active · 3 resigned)
MACKIE, Alexander Wilson→
Activesecretary · appointed 2001-09-06
View their other companies + combined net worth →
MACKIE, Alexander Wilson→
Activedirector · ~72y · appointed 2003-04-09
View their other companies + combined net worth →
MACKIE, Diane Alice→
Activedirector · ~70y · appointed 2001-09-06
View their other companies + combined net worth →
SKENE EDWARDS WS→
Resignedcorporate-nominee-secretary · appointed 2001-08-16 · resigned 2001-09-06
BROWN, Peter Currie→
Resigneddirector · ~85y · appointed 2003-01-20 · resigned 2008-12-31
MACDONALD, Robert Iain Ferguson→
Resigneddirector · ~76y · appointed 2001-08-16 · resigned 2001-09-06
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 14/01/2004 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 31/10/2001 | 23/12/2004 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (75 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-08-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-12-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-30
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-16
capital-return-purchase-own-shares
capital · SH03
2023-11-20
capital-cancellation-shares
capital · SH06
2023-11-06
accounts-with-accounts-type-small
accounts · AA
2023-09-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-29
accounts-with-accounts-type-small
accounts · AA
2022-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-24
accounts-with-accounts-type-small
accounts · AA
2021-12-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-17
accounts-with-accounts-type-small
accounts · AA
2020-11-11