ETTRICKSIDE GARAGE (SELKIRK) LTD.

🌳Matureactive
SC302307 · ltd · incorporated 2006-05-12
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 19.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: SIC 45112
Sector: Wholesale & retail
ALSO REGISTERED FOR
  • 45200SIC 45200
Investor take
Pursue
Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 70). 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: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 19.9y

65/100
clean up first

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

  • · Oldest live charge is 19.9 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (77/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 3 with DOB)
79
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
71 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
85
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£89k£178k£267k£356k£445kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30
Total assets—£417.2k
Current assets—£444.5k
Cash—£328.7k
Debtors—£59.9k
Net assets—£398.0k
Average employees9—

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

🔒Filing-note intelligence

2 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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2026-01-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-20
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  3. 2025-05-19
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2024-12-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-01-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-03-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-05-25
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2021-04-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-01-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-02-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2018-02-12
    📄
    capital-cancellation-shares
    capital · SH06
  13. 2018-02-12
    📄
    capital-return-purchase-own-shares
    capital · SH03
  14. 2017-12-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-06-27
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  16. 2016-12-29
    📄
    capital-cancellation-shares
    capital · SH06
  17. 2014-07-04
    ➕
    CRAIG, Gavin appointed
    director
  18. 2014-07-04
    ➖
    THOMSON, James George resigned
    director
  19. 2013-12-31
    ➕
    CRAIG, Audrey Evelyn appointed
    secretary
  20. 2013-12-31
    ➖
    THOMSON, James George resigned
    secretary
  21. 2006-07-05
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  22. 2006-05-12
    🏢
    Company incorporated
    As ETTRICKSIDE GARAGE (SELKIRK) LTD.
  23. 2006-05-12
    ➕
    CRAIG, George Wilson appointed
    director
  24. 2006-05-12
    ➕
    THOMSON, James George appointed
    secretary
  25. 2006-05-12
    ➕
    FIRST SCOTTISH SECRETARIES LIMITED appointed
    corporate-secretary
  26. 2006-05-12
    ➖
    FIRST SCOTTISH SECRETARIES LIMITED resigned
    corporate-secretary
  27. 2006-05-12
    ➕
    THOMSON, James George appointed
    director
  28. 2006-05-12
    ➕
    FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED appointed
    corporate-director
  29. 2006-05-12
    ➖
    FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED resigned
    corporate-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 20 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 70 — 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 70 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 20 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 20 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mrs Audrey Evelyn Craig
Individual · British · DOB 08/1957 · age 69
25–50%
25–50%25-50% shares · 25-50% voting17/05/2024
Mr George Wilson Craig
Individual · British · DOB 05/1956 · age 70
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2006-05-12
Jurisdictionscotland
Primary SIC45112 — SIC 45112

Registered office

Hillside Terrace
Selkirk
TD7 4JR

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-05-26
Last: 2025-05-12

Officers (3 active · 4 resigned)

CRAIG, Audrey Evelyn→
secretary · appointed 2013-12-31
View their other companies + combined net worth →
Active
CRAIG, Gavin→
director · ~40y · appointed 2014-07-04
View their other companies + combined net worth →
Active
CRAIG, George Wilson→
director · ~70y · appointed 2006-05-12
View their other companies + combined net worth →
Active
THOMSON, James George→
secretary · appointed 2006-05-12 · resigned 2013-12-31
Resigned
FIRST SCOTTISH SECRETARIES LIMITED→
corporate-secretary · appointed 2006-05-12 · resigned 2006-05-12
Resigned
THOMSON, James George→
director · ~72y · appointed 2006-05-12 · resigned 2014-07-04
Resigned
FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED→
corporate-director · appointed 2006-05-12 · resigned 2006-05-12
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property05/07/2006—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (71 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-05
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-05-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-19
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-05-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-21