S&E AUTO REPAIR LTD
🏛️Establishedactive
SC622157 · ltd · incorporated 2019-02-22
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2026
Net worth
£4.0k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: SIC 45200
Sector: Wholesale & retail
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
2 live charges · oldest 1.9y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 1.9 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
17 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £3,978
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£4k
↑ 29% YoY
Current Assets
£31k
↑ 16% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2026-02-28 | 2025-02-28 |
|---|---|---|
| Total assets | £5.5k | £8.6k |
| Current assets | £31.2k | £26.9k |
| Net assets | £4.0k | £3.1k |
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
2
filings
- • 1 accounts
- • 1 confirmation-statement
Last 180 days
3
filings
- • 2 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (15 events)Click to expand
- 2026-03-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-11-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-03🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2024-06-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-05🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2023-11-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-07-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-10-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-02-22🏢Company incorporatedAs S&E AUTO REPAIR LTD
- 2019-02-22➕DUNBAR, Emma appointeddirector
- 2019-02-22➕PATE, Samuel appointeddirector
- 2019-02-22📄incorporation-companyincorporation · NEWINC
Owner dependency
63/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Miss Emma Dunbar Individual · Scottish · DOB 04/1995 · age 31 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 22/02/2019 |
Mr Samuel Pate Individual · Scottish · DOB 01/1985 · age 41 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 22/02/2019 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| SELECT VEHICLES SCOTLAND LIMITED→ SC858360 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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| THE CAR LEASING NETWORK LIMITED→ SC324032 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| THOMAS SCOTT (SEATING) LIMITED→ SC242425 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| THOMSON COMMERCIALS LIMITED→ SC621421 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| TOMMY'S GARAGE LTD→ SC509123 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| TONY COOPER CARS (SCOTLAND) LTD.→ SC353828 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| TONY'S RECOVERY AND REPAIRS LTD→ SC759990 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| TOP TYRES FITTED LTD→ SC854088 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| TRAILER SERVICES SCOTLAND LTD→ SC810886 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| TRUCKABOUT LTD→ SC719719 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| TRUST MOTORS GLASGOW LTD→ SC821817 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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.
See pricing →Company details
Statusactive
Typeltd
Incorporated2019-02-22
Jurisdictionscotland
Primary SIC45200 — SIC 45200
Registered office
12-18 Dryburgh Road
Wishaw
ML2 7JA
United Kingdom
Filing status
Accounts
Next due: 2027-11-30
Last made up to: 2026-02-28
Confirmation statement
Next due: 2027-03-07
Last: 2026-02-21
Officers (2 active · 0 resigned)
DUNBAR, Emma→
Activedirector · ~31y · appointed 2019-02-22
View their other companies + combined net worth →
PATE, Samuel→
Activedirector · ~41y · appointed 2019-02-22
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 03/07/2024 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 05/06/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (17 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-05
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-24
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-06-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-29
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-27
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-03
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-28
accounts-with-accounts-type-micro-entity
accounts · AA
2020-10-24