FIFE ACCIDENT REPAIR CENTRE LIMITED

🌳Matureactive
SC276436 · ltd · incorporated 2004-11-24
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 21.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: SIC 45200
Sector: Wholesale & retail
Investor take
Pursue
Active trading company with a 64-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 21.2y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 21.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (76/100)

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
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
63 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
85
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
—
£0£0£0£0£0£0Apr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Average employees11001300

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
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-01-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-11-24
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  4. 2024-11-22
    ➖
    BRADY, Derek Allan resigned
    secretary
  5. 2024-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-12-21
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  9. 2020-11-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2020-11-01
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2020-11-01
    🔓
    Charge satisfied #1
  12. 2020-09-25
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  13. 2020-09-25
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  14. 2020-08-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-11-13
    📄
    mortgage-charge-whole-release-with-charge-number
    mortgage · MR05
  16. 2019-11-09
    📄
    mortgage-charge-whole-release-with-charge-number
    mortgage · MR05
  17. 2019-06-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2018-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2014-02-01
    ➕
    LAMBIE, Peter appointed
    director
  20. 2005-02-24
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  21. 2004-11-24
    🏢
    Company incorporated
    As FIFE ACCIDENT REPAIR CENTRE LIMITED
  22. 2004-11-24
    ➕
    LAMBIE, Carol-Anne appointed
    director
  23. 2004-11-24
    ➕
    BRADY, Derek Allan appointed
    secretary
  24. 2004-11-24
    ➕
    HOGG JOHNSTON SECRETARIES LTD. appointed
    corporate-secretary
  25. 2004-11-24
    ➖
    HOGG JOHNSTON SECRETARIES LTD. resigned
    corporate-secretary
  26. 2004-11-24
    ➕
    HOGG JOHNSTON DIRECTORS LTD. appointed
    corporate-director
  27. 2004-11-24
    ➖
    HOGG JOHNSTON DIRECTORS LTD. resigned
    corporate-director

Owner dependency

84/100
Critical — business is the founder

The 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 21 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

86/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 21 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

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

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Carol-Anne Lambie
Individual · British · DOB 11/1962 · age 64
25–50%
25–50%board control25-50% shares · 25-50% voting · board control25/09/2020
Mr Peter Lambie
Individual · British · DOB 05/1962 · age 64
25–50%
25–50%board control25-50% shares · 25-50% voting · board control24/11/2016

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

Similar companies

Active · Automotive · KY postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
FLEAR & THOMSON LIMITED→
SC028660 · est 1951
£2.08M
£1.66M–£2.49M
———74y8280y
FIFE AUTO CENTRE LTD.→
SC194842 · est 1999 · no financials extracted
————27y8364y
ALAN BENNIE MOTOR ENGINEERS LIMITED→
SC260726 · est 2003
———70022y8258y
BODYWYSE AUTOCARE LIMITED→
SC285841 · est 2005
——£1.08M—20y8259y
CLEVEDEN CARS LIMITED→
SC180119 · est 1997
———20028y8263y
FIFE SEAT LIMITED→
SC331707 · est 2007
——£26.8k—18y8259y
FRANK MUNRO & SONS LIMITED→
SC241429 · est 2002 · no financials extracted
————23y8262y
GRANGE GARAGE (FIFE) LIMITED→
SC217994 · est 2001
———20025y8266y
LEAH INTERNATIONAL LTD.→
SC299642 · est 2006
———30020y8269y
R. SIMPSON MOTORS LTD.→
SC259854 · est 2003
———90022y8270y
SINCLAIR-ROJAS LIMITED→
SC152154 · est 1994 · no financials extracted
————31y——
SWAN CAR BROKERS LTD→
SC822342 · est 2024 · no financials extracted
————1y——
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2004-11-24
Jurisdictionscotland
Primary SIC45200 — SIC 45200

Registered office

7 Midfield Road
Mitchelston Industrial Estate
Kirkcaldy
KY1 3NL
Scotland

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-11-28
Last: 2025-11-14

Officers (2 active · 3 resigned)

LAMBIE, Carol-Anne→
director · ~64y · appointed 2004-11-24
View their other companies + combined net worth →
Active
LAMBIE, Peter→
director · ~64y · appointed 2014-02-01
View their other companies + combined net worth →
Active
BRADY, Derek Allan→
secretary · appointed 2004-11-24 · resigned 2024-11-22
Resigned
HOGG JOHNSTON SECRETARIES LTD.→
corporate-secretary · appointed 2004-11-24 · resigned 2004-11-24
Resigned
HOGG JOHNSTON DIRECTORS LTD.→
corporate-director · appointed 2004-11-24 · resigned 2004-11-24
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property24/02/200501/11/2020

Recent filings (63 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-24
termination-secretary-company-with-name-termination-date
officers · TM02
2024-11-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-31
change-account-reference-date-company-current-extended
accounts · AA01
2020-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-11-01
mortgage-satisfy-charge-full
mortgage · MR04
2020-11-01