FIFE GROUP LIMITED

🌳Matureactive

SC051089 · ltd · incorporated 1972-07-26

Investment thesis

Looks cheap but ownership + security both unclear — probable value trap.

Why interesting: Headline metrics may be attractive.

Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jun 2025

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: SIC 52103

Sector: Transportation & storage

Investor take

Pursue

Active trading company with a 89-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 89). Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

7 live charges · 3 lenders · oldest 52.7y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 52.7 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (74/100)

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

Lenders & charges

7 charges (7/7 with lender, 7/7 with type)

Directors & officers

13 officers (6 active, 13 linked, 11 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

9 connected companies via shared directors

Filing history

136 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

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

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-06-30	2024-06-30
Average employees	2700	2500

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

filings

Last 90 days

filings

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (41 events)Click to expand

2025-11-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-04
📄
change-person-director-company-with-change-date
officers · CH01
2025-08-04
📄
change-person-director-company-with-change-date
officers · CH01
2025-08-04
📄
change-person-secretary-company-with-change-date
officers · CH03
2024-11-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-20
📄
change-person-director-company-with-change-date
officers · CH01
2021-12-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-01-29
➕
KEDDIE, George Alexander appointed
director
2020-12-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-07-03
➖
MUNRO, Brian Robert resigned
director
2019-12-04
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-09-04
📄
resolution
resolution · RESOLUTIONS
2019-07-05
📄
change-person-director-company-with-change-date
officers · CH01
2019-07-05
📄
change-person-director-company-with-change-date
officers · CH01
2019-07-04
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-03-24
➖
KELLY, Kenneth Stephenson resigned
director
2019-01-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2014-04-08
➕
RUSSELL, Ian appointed
director
2014-04-08
➖
RUSSELL, Catherine resigned
director
2011-11-07
🔒
Charge registered #7
Lender: The Royal Bank of Scotland PLC
2011-11-07
🔒
Charge registered #6
Lender: The Royal Bank of Scotland PLC
2011-11-07
🔒
Charge registered #5
Lender: The Royal Bank of Scotland PLC
2011-10-24
🔒
Charge registered #4
Lender: Max Industrial Gp Limited & Another
2007-06-13
🔒
Charge registered #3
Lender: The Royal Bank of Scotland PLC
2006-01-01
➖
LOCKHART, Robert William resigned
director
2005-12-01
➕
DONALD, Gillian Elizabeth appointed
director
2005-12-01
➕
MUNRO, Brian Robert appointed
director
2002-03-08
➕
RUSSELL, Catherine appointed
director
2001-12-17
➖
RUSSELL, John resigned
director
1997-10-02
🔒
Charge registered #2
Lender: The Fife Council
1995-12-14
➕
LOCKHART, Robert William appointed
director
1991-12-03
➕
DONALD, Gillian Elizabeth appointed
secretary
1991-12-03
➕
KILGOUR, John Shanks appointed
director
1991-12-03
➖
KILGOUR, John Shanks resigned
secretary
1991-11-08
➖
KILGOUR, John Watt resigned
director
1973-07-24
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
1972-07-26
🏢
Company incorporated
As FIFE GROUP LIMITED

Owner dependency

73/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 34 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 89 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100

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 89 years old. Natural succession window is now.
primary20+ year tenure: Director in role 34 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 54 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

1 low

7 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

🔒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 · Transport & logistics · KY postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
FORTH TRAVELS LTD→ SC526502 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
G & S TOURS LTD→ SC350400 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
GENTLE TOUCH REMOVALS LTD→ SC778310 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
GIBBS CARRIERS LIMITED→ SC532365 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
GILLS DELIVERIES LTD→ SC848624 · est 2025 · no financials extracted	—	—	—	—	—	—	—
GOLF CITY TAXIS LTD→ SC448332 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
GOLF TRAVELLERS TRANSPORT LIMITED→ SC466772 · est 2014 · no financials extracted	—	—	—	—	12y	—	—
GRAEME HUTCHISON MARINE PILOTAGE SERVICES LIMITED→ SC502251 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
GREGKOZ LTD→ SC614677 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
HENDERSON HAULAGE LTD→ SC844939 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
IOROL TRANSPORT LTD→ SC777340 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
IVO & TINO S LIMITED→ SC729809 · est 2022 · no financials extracted	—	—	—	—	3y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

8 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

Incorporated1972-07-26

Jurisdictionscotland

Primary SIC52103 — SIC 52103

Registered office

Unit 1 Waverley Road

Mitchelston Industrial Estate

Kirkcaldy

Fife

KY1 3NH

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2027-01-02

Last: 2025-12-19