KIRKCALDY YMCA
- · Oldest live charge 21.6y old — refinance window within 12 months
No material changes in the last 30 days.
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
Opportunity 77/100 (strong), bankability 80/100. Strong seller-intent signal (63/100, director aged 68). 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: share sale to pe / searcher (65/100).
Refinance opportunity
2 live charges · oldest 21.6y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 21.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 38/100 — workable, but lender will want more DD.
Data confidence
Overall: low (47/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
Corporate timeline (85 events)Click to expand
- 2025-08-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-06➕BURNS, Brendan appointeddirector
- 2025-08-06➕MACRAE, Lindsey appointeddirector
- 2025-08-06➖RUSSELL, Karen Marie resigneddirector
- 2025-08-06➖STEELE, Robert Stewart resigneddirector
- 2025-06-24📄accounts-with-accounts-type-smallaccounts · AA
- 2024-09-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-18📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-09-18📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-08-01📄accounts-with-accounts-type-smallaccounts · AA
- 2024-07-01➕MELVILLE, Archie appointedsecretary
- 2024-06-30➕FRASER, Anne appointeddirector
- 2024-06-30➕MELVILLE, Archie appointeddirector
- 2024-06-30➖KELLY, Deborah resignedsecretary
- 2024-06-30➖KELLY, Deborah resigneddirector
- 2024-03-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-03-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-03-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-23➖MAIN, Robert resigneddirector
- 2023-09-23➕CONNELLY, Euan appointeddirector
- 2023-09-23➕RUSSELL, Karen Marie appointeddirector
- 2023-09-22📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2023-09-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-22📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-09-20➕KELLY, Deborah appointedsecretary
- 2023-09-20➖SELBIE, Kenneth James resignedsecretary
- 2023-09-20➕KELLY, Deborah appointeddirector
- 2023-09-20➖KILGOUR, Robert resigneddirector
- 2023-09-20➖SELBIE, Kenneth James resigneddirector
- 2023-07-06📄accounts-with-accounts-type-smallaccounts · AA
- 2023-02-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-02-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-02-01➖CAMPBELL, Nikki resigneddirector
- 2023-02-01➖WARBURTON, Kirsten resigneddirector
- 2022-11-10➕EASTON, Liz appointeddirector
- 2022-11-10➕URQUHART, Ian appointeddirector
- 2022-08-10➖CLARK, John Gilmour resigneddirector
- 2022-08-10➖MELVILLE, Archie resigneddirector
- 2022-08-10➖SIM, Tessa Melynda resigneddirector
- 2021-11-04➖MAIN, Robert resignedsecretary
- 2021-11-03➕SELBIE, Kenneth James appointedsecretary
- 2020-06-04➖CAMPBELL, Nikki resignedsecretary
- 2020-06-04➕MAIN, Robert appointedsecretary
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -9 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
Red flags
1 med ·Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: RUSSELL, Karen Marie resigned 2025-08-06; STEELE, Robert Stewart resigned 2025-08-06
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|---|---|---|---|---|---|---|---|
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| SCOTLAND FOR GOLF LIMITED→ SC246486 · est 2003 | — | — | — | 500 | 23y | 82 | 70y |
| WESTMINT LIMITED→ SC168995 · est 1996 | — | — | — | — | 29y | 82 | 67y |
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| LA BANDA LTD.→ SC362458 · est 2009 | — | — | £8.5k | — | 16y | 81 | 67y |
| SCOTTISH DARTS ASSOCIATION→ SC105949 · est 1987 | — | — | — | 4 | 38y | 81 | 67y |
| THE FIFE VINTAGE AGRICULTURAL MACHINERY CLUB→ SC193588 · est 1999 | — | — | £22.8k | — | 27y | 81 | 77y |
| THE KINGDOM OF FIFE RAILWAY PRESERVATION SOCIETY→ SC138632 · est 1992 | — | — | — | 0 | 34y | 81 | 85y |
| BURACH PRODUCTIONS LIMITED→ SC140727 · est 1992 | — | — | £3.2k | — | 33y | 80 | 67y |
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 →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
Registered office
Filing status
Officers (10 active · 25 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Fife Council | A registered charge | 1 property | 05/11/2019 | — | |
| outstanding | The Fife Council | Standard security | 1 property | 29/11/2004 | — |