ST ANDREW TRUSTEES LIMITED

🌳Matureactive

05614592 · ltd · incorporated 2005-11-07

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

—

not disclosed

Net worth

—

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Other service activities n.e.c.

Sector: Other service activities

Investor take

Pursue

Active trading company with a 80-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (63/100, director aged 80). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

5 live charges · 5 lenders · oldest 15.0y

35/100

too messy

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

· Oldest live charge is 15.0 years old — likely at or near maturity.
· 5 lenders named — inter-creditor friction likely.
· Legal-friction score 38/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (58/100)

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

No iXBRL financials extracted

Lenders & charges

5 charges (5/5 with lender, 5/5 with type)

Directors & officers

53 officers (30 active, 53 linked, 49 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

4 connected companies via shared directors

Filing history

171 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filing

• 1 officers

Last 90 days

filings

• 2 officers

Last 180 days

filings

• 3 officers
• 2 accounts
• 2 other

Counts from Companies House filing history.

Corporate timeline (108 events)Click to expand

2026-05-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-04-30
➖
TALBOT, Katherine Jane resigned
director
2026-04-14
📄
change-person-director-company-with-change-date
officers · CH01
2026-02-03
📄
change-person-director-company-with-change-date
officers · CH01
2026-01-28
📄
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2026-01-28
📄
legacy
accounts · PARENT_ACC
2026-01-28
📄
legacy
other · AGREEMENT2
2026-01-28
📄
legacy
other · GUARANTEE2
2025-09-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-08-11
➖
DWORETZSKY, Sophie Natalia Helen Ambrosine resigned
director
2025-07-25
📄
change-person-director-company-with-change-date
officers · CH01
2025-07-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-14
➕
BURT, Jonathan Edward appointed
director
2025-07-14
➕
SHAKER, Amira appointed
director
2025-06-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-05-01
➕
BETTERIDGE, Harriet Amy appointed
director
2025-05-01
➕
HARRISON, Catrin Angharad appointed
director
2025-05-01
➕
HONEY, Richard George Geoffrey appointed
director
2025-05-01
➕
LITTLE, Oliver James appointed
director
2025-05-01
➕
WRAY, Sarah Catherine appointed
director
2025-01-23
📄
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-01-23
📄
legacy
accounts · PARENT_ACC
2025-01-23
📄
legacy
other · GUARANTEE2
2025-01-23
📄
legacy
other · AGREEMENT2
2024-12-05
➖
WEIL, Simon Patrick resigned
director
2024-12-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-11-23
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-11-23
🔓
Charge satisfied #5
2024-09-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-09-11
➕
KLEINER, Graeme appointed
director
2024-04-30
➖
WHITEHEAD, Jonathan Wright resigned
director
2024-03-01
➕
RIDPATH, Simon appointed
director
2023-10-10
➕
AULD, Oliver James appointed
director
2023-10-10
➕
TALBOT, Katherine Jane appointed
director
2023-05-23
➖
HENDERSON, Thomas Cameron resigned
secretary
2023-02-28
➖
PAGE, Christopher John resigned
director
2022-11-22
➕
HENDERSON, Thomas Cameron appointed
secretary
2022-08-16
🔒
Charge registered #5
Lender: National Westminster Bank PLC
2022-04-07
🔒
Charge registered #4
Lender: Barclays Bank PLC
2022-04-04
🔒
Charge registered #3
Lender: Investec Bank PLC
2021-10-31
➖
SYED, Mary Catriona Balfour resigned
director
2021-09-14
➕
REYMOND, Robert appointed
director
2021-09-14
➕
WEIL, Simon Patrick appointed
director
2021-08-17
➖
BRADFORD, James David Wyatt resigned
director
2021-06-30
➖
KITCHER, Alan resigned
secretary

Showing most recent 50 of 108 events

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

-30 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 80 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100

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 80 years old. Natural succession window is now.
primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

2 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: DWORETZSKY, Sophie Natalia Helen Ambrosine resigned 2025-08-11; TALBOT, Katherine Jane resigned 2026-04-30

Group structure

Charles Russell Speechlys Llp is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Charles Russell Speechlys Llp

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

ST ANDREW TRUSTEES LIMITED

This company · 05614592

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Charles Russell Speechlys Llp Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	06/04/2016

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.

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🔒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

Incorporated2005-11-07

Jurisdictionengland-wales

Primary SIC96090 — Other service activities n.e.c.

Registered office

5 Fleet Place

London

EC4M 7RD

Filing status

Accounts

Next due: 2027-01-31

Last made up to: 2025-04-30

Confirmation statement

Next due: 2026-11-21

Last: 2025-11-07