FISHERS TOPCO LIMITED
🌳Matureactive
SC444215 · ltd · incorporated 2013-03-05
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Washing and (dry-)cleaning of textile and fur products
Sector: Other service activities
Investor take
PursueActive trading company with a 67-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
13 live charges · 5 lenders · oldest 12.8y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 12.8 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)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
0
Lenders & charges
13 charges (13/13 with lender, 13/13 with type)
90
Directors & officers
14 officers (3 active, 14 linked, 11 with DOB)
86
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
16 connected companies via shared directors
90
Filing history
96 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
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 (67 events)Click to expand
- 2025-10-08📄accounts-with-accounts-type-fullaccounts · AA
- 2025-09-23📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-11🔒Charge registered #13Lender: The Toronto-Dominion Bank (As Security Agent)
- 2025-06-11🔒Charge registered #12Lender: The Toronto-Dominion Bank (As Security Agent)
- 2024-09-19📄accounts-with-accounts-type-fullaccounts · AA
- 2024-04-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-16🔓Charge satisfied #9
- 2024-04-16🔓Charge satisfied #8
- 2024-04-16🔓Charge satisfied #7
- 2024-04-16🔓Charge satisfied #6
- 2024-04-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-26🔒Charge registered #11Lender: The Toronto-Dominion Bank (As Security Agent)
- 2024-03-26🔒Charge registered #10Lender: The Toronto-Dominion Bank (As Security Agent)
- 2023-10-11📄accounts-with-accounts-type-fullaccounts · AA
- 2022-09-15📄accounts-with-accounts-type-fullaccounts · AA
- 2021-10-05📄accounts-with-accounts-type-fullaccounts · AA
- 2021-01-05📄accounts-with-accounts-type-fullaccounts · AA
- 2020-06-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-12-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-12-23📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2019-12-23📄legacycapital · SH20
- 2019-12-23🔒Charge registered #9Lender: The Toronto-Dominion Bank
- 2018-03-06🔒Charge registered #8Lender: The Toronto-Dominion Bank
- 2018-03-06🔒Charge registered #7Lender: The Toronto-Dominion Bank
- 2017-12-14🔓Charge satisfied #5
- 2017-12-14🔓Charge satisfied #4
- 2017-12-14🔓Charge satisfied #3
- 2017-12-14🔓Charge satisfied #2
- 2017-12-14🔓Charge satisfied #1
- 2017-11-27➕HILLS, Matthew appointeddirector
- 2017-11-27➕MCCURDY, Linda appointeddirector
- 2017-11-27➖RENAUT, Lucy Jane resignedsecretary
- 2017-11-27➖AVERILL, Michael Charles Edward resigneddirector
- 2017-11-27➖COWIE, David Eric resigneddirector
- 2017-11-27➖INGLIS, Scott Ian resigneddirector
- 2017-11-27➖RENAUT, Lucy Jane resigneddirector
- 2017-11-27🔒Charge registered #6Lender: The Toronto-Dominion Bank
- 2014-10-30➖INGLIS, Scott Ian resignedsecretary
- 2014-10-30➕RENAUT, Lucy Jane appointedsecretary
- 2014-10-30➕RENAUT, Lucy Jane appointeddirector
- 2014-06-30➖HILDITCH, Tennant Mclean resigneddirector
- 2014-06-19➖CAMPBELL, Donald Gillespie resigneddirector
- 2014-06-18➖MCHARDY, Bruce Alexander resigneddirector
- 2013-10-29➕AVERILL, Michael Charles Edward appointeddirector
Showing most recent 50 of 67 events
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 67 — succession pressure is live.
Succession & seller-readiness
63/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Ftl Uk Acquisition Company Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Ftl Uk Acquisition Company Limited
Corporate parent · holds 75-100% shares · board control
⬇
FISHERS TOPCO LIMITED
This company · SC444215
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 |
|---|---|---|---|---|
Ftl Uk Acquisition Company Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 27/11/2017 |
1 historic (ceased) PSC
- Caird Capital Llpceased 27/11/2017· 75-100% shares · 75-100% voting · board control · significant influence
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
Active · Trade services · KY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| DEARS PROPERTY LTD→ SC633033 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| DUFFY’S DIAMONDS LTD→ SC838832 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| EGA (SCOTLAND) LTD→ SC867466 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| F & M DEVELOPMENTS (SHETLAND) LTD.→ SC298555 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| FIFE LANDSCAPES & ARTIFICIAL GRASS LIMITED→ SC672626 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FISHER & DONALDSON (CUPAR) LIMITED→ SC656669 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| FISHERS SERVICES LIMITED→ SC067627 · est 1979 · no financials extracted | — | — | — | — | 46y | — | — |
| FLEXI BUSINESS SUPPORT LIMITED→ SC666621 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FLINTRIVER LIMITED→ SC211127 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| FORTH GRASS MACHINERY LIMITED→ SC427421 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| FOXALL STUDIO LTD→ SC289334 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| FRASER FIGURES LIMITED→ SC240882 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2013-03-05
Jurisdictionscotland
Primary SIC96010 — Washing and (dry-)cleaning of textile and fur products
Registered office
Edenfields
Cupar Trading Estate
Cupar
KY15 4SX
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-19
Last: 2025-10-05
Officers (3 active · 11 resigned)
HILLS, Matthew→
Activedirector · ~67y · appointed 2017-11-27
View their other companies + combined net worth →
JONES, Michael William→
Activedirector · ~62y · appointed 2013-06-21
View their other companies + combined net worth →
MCCURDY, Linda→
Activedirector · ~58y · appointed 2017-11-27
View their other companies + combined net worth →
INGLIS, Scott Ian→
Resignedsecretary · appointed 2013-06-21 · resigned 2014-10-30
RENAUT, Lucy Jane→
Resignedsecretary · appointed 2014-10-30 · resigned 2017-11-27
DM COMPANY SERVICES LIMITED→
Resignedcorporate-secretary · appointed 2013-03-05 · resigned 2013-06-21
AVERILL, Michael Charles Edward→
Resigneddirector · ~75y · appointed 2013-10-29 · resigned 2017-11-27
CAMPBELL, Donald Gillespie→
Resigneddirector · ~56y · appointed 2013-06-21 · resigned 2014-06-19
COWIE, David Eric→
Resigneddirector · ~62y · appointed 2013-06-28 · resigned 2017-11-27
GILCHRIST, Ewan Caldwell→
Resigneddirector · ~57y · appointed 2013-03-05 · resigned 2013-06-21
HILDITCH, Tennant Mclean→
Resigneddirector · ~64y · appointed 2013-06-21 · resigned 2014-06-30
INGLIS, Scott Ian→
Resigneddirector · ~54y · appointed 2013-06-21 · resigned 2017-11-27
MCHARDY, Bruce Alexander→
Resigneddirector · ~72y · appointed 2013-06-21 · resigned 2014-06-18
RENAUT, Lucy Jane→
Resigneddirector · ~44y · appointed 2014-10-30 · resigned 2017-11-27
Click a director name to see their full track record across all companies.
Mortgages & charges
13
Total charges
4
Outstanding
1
Active lenders
Status:Lender:13 of 13 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Toronto-Dominion Bank (As Security Agent) | A registered charge | — | 11/06/2025 | — | |
| outstanding | The Toronto-Dominion Bank (As Security Agent) | A registered charge | — | 11/06/2025 | — | |
| outstanding | The Toronto-Dominion Bank (As Security Agent) | A registered charge | — | 26/03/2024 | — | |
| outstanding | The Toronto-Dominion Bank (As Security Agent) | A registered charge | — | 26/03/2024 | — | |
| satisfied | The Toronto-Dominion Bank | A registered charge | 1 property | 23/12/2019 | 16/04/2024 | |
| satisfied | The Toronto-Dominion Bank | A registered charge | — | 06/03/2018 | 16/04/2024 | |
| satisfied | The Toronto-Dominion Bank | A registered charge | — | 06/03/2018 | 16/04/2024 | |
| satisfied | The Toronto-Dominion Bank | A registered charge | — | 27/11/2017 | 16/04/2024 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC as Security Agent | A registered charge | 1 property | 28/08/2013 | 14/12/2017 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC as Security Agent | A registered charge | — | 27/06/2013 | 14/12/2017 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC as Security Agent | A registered charge | — | 27/06/2013 | 14/12/2017 | |
| satisfied | Cavendish Square Partners Cavendish Square Partners Limited | A registered charge | 1 property | 27/06/2013 | 14/12/2017 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | A registered charge | 1 property | 27/06/2013 | 14/12/2017 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (96 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-21
accounts-with-accounts-type-full
accounts · AA
2025-10-08
change-person-director-company-with-change-date
officers · CH01
2025-09-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-07
accounts-with-accounts-type-full
accounts · AA
2024-09-19
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-03
confirmation-statement-with-updates
confirmation-statement · CS01
2023-10-11
accounts-with-accounts-type-full
accounts · AA
2023-10-11