EDINBURGH RISK MANAGEMENT LIMITED
- · Investment thesis: well_run_hard_buy → unclassified
- · Hygiene score: 90 → 50
- · Bankability: 75 → 55
- · Deal-killer verdict: clean → complicated
- · 4 recent signals weakening vs 0 strengthening
Picture worsened over the last 30 days — 4 negative signals vs 0 positive.
- ·Investment thesis: well_run_hard_buy → unclassified
- ↓Deal-killer verdict: clean → complicated
- ↓Opportunity score: 77 → 68
- ↓Hygiene score: 90 → 50
- ↓Bankability: 75 → 55
- +1 more
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
- 66220Activities of insurance agents and brokers
Opportunity 68/100 (strong), bankability 55/100. Strong seller-intent signal (63/100, director aged 72). Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: share sale to pe / searcher (53/100).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-08-31 | 2023-08-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Corporate timeline (18 events)Click to expand
- 2025-06-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-06-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-07-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-06-19📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-05-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-02-10📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-06-15📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-05-22📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-06-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-05-07📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-06-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-05-20📄accounts-with-accounts-type-dormantaccounts · AA
- 2015-08-19📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-05-08📄accounts-with-accounts-type-dormantaccounts · AA
- 2014-09-10📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-08-14🏢Company incorporatedAs EDINBURGH RISK MANAGEMENT LIMITED
- 2013-08-14➕MACKIE, Alexander Wilson appointeddirector
- 2013-08-14➕MACKIE, Diane Alice appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 72 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- 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.
- secondary12+ year tenure: Director in role 13 years.
Red flags
1 high ·Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2026-05-31
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Diane Alice Mackie Individual · Scottish · DOB 05/1956 · age 70 | 75–100% | — | 75-100% shares | 26/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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|---|---|---|---|---|---|---|---|
| AMATI GLOBAL INVESTORS LIMITED→ SC199908 · est 1999 | £8.90M £6.47M–£11.33M | — | — | 2800 | 26y | 84 | 66y |
| CS MANAGERS LTD→ SC231678 · est 2002 | £1.50M £1.09M–£1.91M | — | — | 1200 | 24y | 86 | 77y |
| GBCP VII (GENERAL PARTNER) LIMITED→ SC253395 · est 2003 · no financials extracted | — | — | — | — | 22y | 83 | 62y |
| NOBLE GROSSART LIMITED→ SC046265 · est 1969 · no financials extracted | — | — | — | — | 57y | 83 | 72y |
| PAYPLAN (SCOTLAND) LIMITED→ SC400113 · est 2011 · no financials extracted | — | — | — | — | 15y | 83 | 61y |
| PREMIER COMMERCIAL LIMITED→ SC160330 · est 1995 | — | — | £282.5k | — | 30y | 83 | 61y |
| RIA CAPITAL MARKETS LIMITED→ SC226461 · est 2001 · no financials extracted | — | — | — | — | 24y | 83 | 58y |
| SCOTIA WEALTH MANAGEMENT LTD.→ SC267795 · est 2004 | — | — | — | 1300 | 22y | 83 | 58y |
| ALAN STEEL (ASSET MANAGEMENT) LIMITED→ SC058014 · est 1975 | — | — | — | 44 | 51y | 82 | 62y |
| ALEX HAMMOND-CHAMBERS & COMPANY→ SC126819 · est 1990 · no financials extracted | — | — | — | — | 35y | 82 | 84y |
| BANDRON LIMITED→ SC082385 · est 1983 | — | — | — | 400 | 43y | 82 | 71y |
| FAMILY & BUSINESS ASSURANCE (SERVICES) LIMITED→ SC347357 · est 2008 | — | — | £50.9k | — | 17y | 82 | 67y |
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 →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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.