SCOTTISH STEWARDS COMPANY, LIMITED

🌳Matureactive

SC012163 · private-limited-guarant-nsc · incorporated 1922-04-19

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.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 33.3y old — refinance window within 12 months

🔒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 social work activities without accommodation n.e.c.

Sector: Human health & social work

Investor take

Pursue

Strong opportunity: active trading company with exceptional profile and acceptable with review structure.

Opportunity 80/100 (exceptional), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 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 33.3y

50/100

clean up first

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

· Oldest live charge is 33.3 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: low (49/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

24 officers (7 active, 24 linked, 20 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

2 connected companies via shared directors

Filing history

126 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

filings

Last 90 days

filings

Last 180 days

filings

• 7 officers
• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (51 events)Click to expand

2026-01-26
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-01-23
➕
MUNRO, Michelle appointed
director
2026-01-15
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2026-01-14
➕
MITCHELL, Hugh Burns appointed
secretary
2025-12-10
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-12-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-09
📄
change-person-director-company-with-change-date
officers · CH01
2025-12-09
📄
change-person-director-company-with-change-date
officers · CH01
2025-12-09
📄
change-person-director-company-with-change-date
officers · CH01
2025-12-01
➖
GAMBLE, Alan James resigned
secretary
2025-12-01
➖
GAMBLE, Alan James resigned
director
2025-11-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-16
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-11-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-15
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-12-14
➖
DUNBAR, Gordon Russell resigned
director
2021-11-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2019-12-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-05
➕
SMITH, Alan Hay appointed
director
2018-12-01
➕
MACLEAN, William Pate appointed
director
2018-12-01
➕
MCGREGOR, James Pirie appointed
director
2018-12-01
➖
MACLELLAN, James Lees resigned
director
2016-11-22
➖
ROY, Thomas Andrew resigned
director
2016-03-31
➖
HOPEWELL, James Mitchell resigned
director
2009-10-13
➕
MITCHELL, Hugh Burns appointed
director
2004-10-05
➖
LEGGE, Alexander Brown resigned
director
2004-02-24
➖
MARTIN, David resigned
director
2003-10-07
➕
MCLATCHIE, James appointed
director
2003-10-07
➕
DUNBAR, Gordon Russell appointed
director
2001-09-15
➖
LECKIE, David John resigned
director
1997-02-03
➖
WAUGH, George Peacock resigned
director
1996-12-31
➖
HISLOP, James Gilfillan resigned
director
1996-11-25
➖
MUNRO, Joseph Elliott resigned
director
1995-11-08
➕
LEGGE, Alexander Brown appointed
director
1995-11-08
➖
SMITH, George resigned
director
1994-11-08
➕
LECKIE, David John appointed
director
1994-04-07
🔒
Charge registered #2
Lender: The United Kingdom Evangelisation Trust (Incorporate)
1994-01-25
➖
MCCALLUM, James Whale resigned
director
1993-01-29
🔒
Charge registered #1
Lender: Archie Murdoch & Others as Trustees
1993-01-19
➕
MACLELLAN, James Lees appointed
director
1993-01-19
➖
MCINNES, William resigned
director
1993-01-19
➖
RABEY, Robert Rutherford resigned
director
1992-01-21
➕
ROY, Thomas Andrew appointed
director
1989-12-31
➖
REID, Harold B resigned
secretary
1989-12-19
➕
MARTIN, David appointed
director
1989-12-19
➕
WAUGH, George Peacock appointed
director

Showing most recent 50 of 51 events

Owner dependency

65/100

High — earn-out structure required

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

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 73 — succession pressure is live.

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 73 years old. Natural succession window is now.
primary20+ year tenure: Director in role 23 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: GAMBLE, Alan James resigned 2025-12-01; GAMBLE, Alan James resigned 2025-12-01

🔒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.

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Company details

Statusactive

Typeprivate-limited-guarant-nsc

Incorporated1922-04-19

Jurisdictionscotland

Primary SIC88990 — Other social work activities without accommodation n.e.c.

Registered office

Sir James Clark Building Studio 22

Abbey Mill Business Centre

Paisley

PA1 1TJ

Scotland

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2026-12-26

Last: 2025-12-12