EDINBURGH RISK MANAGEMENT LIMITED

🌳Matureactive
SC456730 · ltd · incorporated 2013-08-14
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
—
year to Aug 2024
Net worth
—
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Risk and damage evaluation
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66220Activities of insurance agents and brokers
Investor take
Pursue
Active trading company with a 72-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 72). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
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
26 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
90
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£0Aug 2023Aug 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-08-312023-08-31

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

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 (18 events)Click to expand
  1. 2025-06-13
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  2. 2025-06-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2024-07-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2024-06-19
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  5. 2023-05-23
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  6. 2022-02-10
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  7. 2021-06-15
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  8. 2020-05-22
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  9. 2019-06-21
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  10. 2018-05-07
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  11. 2017-06-13
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  12. 2016-05-20
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  13. 2015-08-19
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-05-08
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  15. 2014-09-10
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2013-08-14
    🏢
    Company incorporated
    As EDINBURGH RISK MANAGEMENT LIMITED
  17. 2013-08-14
    ➕
    MACKIE, Alexander Wilson appointed
    director
  18. 2013-08-14
    ➕
    MACKIE, Diane Alice appointed
    director

Owner dependency

86/100
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.
  • +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

79/100
Likely off-market candidate

Strong 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.
  • 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 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Diane Alice Mackie
Individual · Scottish · DOB 05/1956 · age 70
75–100%
—75-100% shares26/07/2016

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 →

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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.

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Company details

Statusactive
Typeltd
Incorporated2013-08-14
Jurisdictionscotland
Primary SIC66210 — Risk and damage evaluation

Registered office

55, Market Street Haddington
Market Street
Haddington
Eas
EH41 3JG
Scotland

Filing status

Accounts
Next due: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-08-28
Last: 2025-08-14

Officers (2 active · 0 resigned)

MACKIE, Alexander Wilson→
director · ~72y · appointed 2013-08-14
View their other companies + combined net worth →
Active
MACKIE, Diane Alice→
director · ~70y · appointed 2013-08-14
View their other companies + combined net worth →
Active

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

Recent filings (26 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-16
accounts-with-accounts-type-dormant
accounts · AA
2025-06-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-07-11
accounts-with-accounts-type-dormant
accounts · AA
2024-06-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-13
accounts-with-accounts-type-dormant
accounts · AA
2023-05-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-04
accounts-with-accounts-type-dormant
accounts · AA
2022-02-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-17
accounts-with-accounts-type-dormant
accounts · AA
2021-06-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-17
accounts-with-accounts-type-dormant
accounts · AA
2020-05-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-15