EDINBURGH RISK MANAGEMENT (GENERAL) LIMITED

🌳Matureactive
SC222279 · ltd · incorporated 2001-08-16
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 24.6y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
—
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 72-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 72). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 24.6y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 24.6 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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

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
6 officers (3 active, 6 linked, 4 with DOB)
83
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
75 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
82
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
—
£0£0£0£0£0£0Nov 2023Nov 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-11-302023-11-30
Average employees14001400

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

🔒Filing-note intelligence

3 signals 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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2025-08-20
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2025-07-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-12-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2024-08-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-11-20
    📄
    capital-return-purchase-own-shares
    capital · SH03
  6. 2023-11-06
    📄
    capital-cancellation-shares
    capital · SH06
  7. 2023-09-04
    📄
    accounts-with-accounts-type-small
    accounts · AA
  8. 2022-11-08
    📄
    accounts-with-accounts-type-small
    accounts · AA
  9. 2021-12-02
    📄
    accounts-with-accounts-type-small
    accounts · AA
  10. 2020-11-11
    📄
    accounts-with-accounts-type-small
    accounts · AA
  11. 2019-09-24
    📄
    capital-allotment-shares
    capital · SH01
  12. 2019-09-24
    📄
    capital-alter-shares-subdivision
    capital · SH02
  13. 2019-09-24
    📄
    resolution
    resolution · RESOLUTIONS
  14. 2019-09-03
    📄
    accounts-with-accounts-type-small
    accounts · AA
  15. 2018-09-04
    📄
    accounts-with-accounts-type-small
    accounts · AA
  16. 2017-09-06
    📄
    accounts-with-accounts-type-small
    accounts · AA
  17. 2008-12-31
    ➖
    BROWN, Peter Currie resigned
    director
  18. 2004-12-23
    🔓
    Charge satisfied #1
  19. 2004-01-14
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  20. 2003-04-09
    ➕
    MACKIE, Alexander Wilson appointed
    director
  21. 2003-01-20
    ➕
    BROWN, Peter Currie appointed
    director
  22. 2001-10-31
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  23. 2001-09-06
    ➕
    MACKIE, Alexander Wilson appointed
    secretary
  24. 2001-09-06
    ➕
    MACKIE, Diane Alice appointed
    director
  25. 2001-09-06
    ➖
    SKENE EDWARDS WS resigned
    corporate-nominee-secretary
  26. 2001-09-06
    ➖
    MACDONALD, Robert Iain Ferguson resigned
    director
  27. 2001-08-16
    🏢
    Company incorporated
    As EDINBURGH RISK MANAGEMENT (GENERAL) LIMITED
  28. 2001-08-16
    ➕
    SKENE EDWARDS WS appointed
    corporate-nominee-secretary
  29. 2001-08-16
    ➕
    MACDONALD, Robert Iain Ferguson appointed
    director

Owner dependency

91/100
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.
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 72 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100
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.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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
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
NameSharesVoting rightsNature of controlNotified
Mrs Diane Alice Mackie
Individual · Scottish · DOB 05/1956 · age 70
——sig. influencesignificant influence06/04/2016

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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2001-08-16
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

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

Filing status

Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-08-30
Last: 2025-08-16

Officers (3 active · 3 resigned)

MACKIE, Alexander Wilson→
secretary · appointed 2001-09-06
View their other companies + combined net worth →
Active
MACKIE, Alexander Wilson→
director · ~72y · appointed 2003-04-09
View their other companies + combined net worth →
Active
MACKIE, Diane Alice→
director · ~70y · appointed 2001-09-06
View their other companies + combined net worth →
Active
SKENE EDWARDS WS→
corporate-nominee-secretary · appointed 2001-08-16 · resigned 2001-09-06
Resigned
BROWN, Peter Currie→
director · ~85y · appointed 2003-01-20 · resigned 2008-12-31
Resigned
MACDONALD, Robert Iain Ferguson→
director · ~76y · appointed 2001-08-16 · resigned 2001-09-06
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property14/01/2004—
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property31/10/200123/12/2004
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (75 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-08-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-12-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-30
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-16
capital-return-purchase-own-shares
capital · SH03
2023-11-20
capital-cancellation-shares
capital · SH06
2023-11-06
accounts-with-accounts-type-small
accounts · AA
2023-09-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-29
accounts-with-accounts-type-small
accounts · AA
2022-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-24
accounts-with-accounts-type-small
accounts · AA
2021-12-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-17
accounts-with-accounts-type-small
accounts · AA
2020-11-11