ST. MARY'S SCHOOL, MELROSE

🌳Matureactive

SC023577 · private-limited-guarant-nsc · incorporated 1945-11-08

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.

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 34.5y 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 Aug 2025

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Primary education

Sector: Education

Investor take

Pursue

Active trading company with a 72-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 65/100. Strong seller-intent signal (63/100, director aged 72). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 4 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

7 live charges · 2 lenders · oldest 34.5y

50/100

clean up first

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

· Oldest live charge is 34.5 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 38/100 — 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 (4/7 with lender, 7/7 with type)

Directors & officers

71 officers (11 active, 71 linked, 64 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

12 connected companies via shared directors

Filing history

238 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

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

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.

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	2025-08-31	2024-08-31
Total assets	—	£5.29M
Current assets	—	£1.84M
Cash	—	£1.71M
Debtors	—	£129.4k
Net assets	—	£5.29M
Average employees	54	—

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

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (149 events)Click to expand

2026-03-13
📄
accounts-with-accounts-type-full
accounts · AA
2025-08-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-08-04
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-08-01
➕
O'NEILL, John appointed
director
2025-07-31
➖
BAIRD, Gareth Thomas Gilroy resigned
director
2025-07-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-25
➕
GARDEN, Alexander Kenneth appointed
director
2025-03-05
📄
accounts-with-accounts-type-medium
accounts · AA
2024-11-04
📄
change-person-director-company-with-change-date
officers · CH01
2024-09-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-08-31
➖
ROBERTSON, John resigned
director
2024-05-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-05-09
➖
CASSON, Jeffrey Derek resigned
director
2024-03-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-02-28
📄
accounts-with-accounts-type-full
accounts · AA
2024-02-21
➕
MACDONALD, Philip James, Stuart appointed
director
2024-02-21
➕
TROTTER, Rosie Catriona appointed
director
2024-02-21
➕
WEIR, Bruce Calder appointed
director
2023-05-18
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-05-08
➖
DE BOLLE, Clare Elizabeth resigned
director
2023-05-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-05-01
➕
ADAMSON, Gillian Leslie appointed
director
2023-03-21
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-02-28
📄
accounts-with-accounts-type-full
accounts · AA
2023-02-22
➖
STURROCK, David Percival resigned
director
2022-10-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-10-18
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-10-18
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-10-06
➖
MOLLART, Rachel Anne, Dr resigned
director
2022-10-05
➕
MURPHY, Ross, Dr appointed
director
2022-10-05
➖
TAYLOR, Sean Kenneth resigned
director
2022-03-01
📄
accounts-with-accounts-type-small
accounts · AA
2020-08-31
➖
FLECK, Andrew Arthur Peter resigned
director
2019-06-25
➕
AITKENHEAD, Geoffrey appointed
director
2019-06-25
➕
ARMSTRONG, Alastair John appointed
director
2019-06-25
➕
MACLAY, Flora Xaviere Herron appointed
director
2019-02-26
➖
EDWARDSON, Sonya Naomi resigned
director
2019-02-26
➖
GRANT, Caroline Dawn resigned
director
2019-02-26
➖
POLLOCK, Nigel James resigned
director
2018-08-31
➖
WRIGHT, Ann Amos resigned
director
2018-06-28
🔓
Charge satisfied #5
2018-05-18
➕
CASSON, Jeffrey Derek appointed
director
2018-05-18
➕
DE BOLLE, Clare Elizabeth appointed
director
2018-05-18
➕
TAYLOR, Sean Kenneth appointed
director
2018-02-21
➖
MURRAY, Paul resigned
director
2018-02-21
➖
SMITH, Elizabeth Jane resigned
director
2016-07-01
➖
GODFREY-FAUSSETT, Christopher Bryan resigned
director
2016-02-18
➕
MOLLART, Rachel Anne, Dr appointed
director

Showing most recent 50 of 149 events

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-10 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 72 — succession pressure is live.

Succession & seller-readiness

60/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.

Red flags

1 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

🔒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 · Education & training · TD postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
MIND SCREEN LIMITED→ SC160843 · est 1995	—	—	£19.5k	—	30y	82	79y
BORDER LINKS LIMITED→ 05687667 · est 2006	—	—	£186.0k	—	20y	81	70y
BORDERS ORGANIC GARDENERS→ SC279474 · est 2005 · no financials extracted	—	—	—	—	21y	81	93y
INTERNATIONAL ASSOCIATION FOR THE STUDY OF CHILD LANGUAGE→ SC330604 · est 2007 · no financials extracted	—	—	—	—	18y	81	61y
THE TWEED FOUNDATION→ SC366380 · est 2009 · no financials extracted	—	—	—	—	16y	81	76y
EDINBURGH TUTORS LIMITED→ SC339201 · est 2008	—	—	£52.5k	—	18y	80	71y
KSA TRAINING LIMITED→ 04422466 · est 2002	—	—	—	0	24y	80	78y
4CAPACITIES LTD.→ SC466156 · est 2013	—	—	£2.9k	—	12y	79	60y
NEWCASTLETON & DISTRICT COMMUNITY TRUST→ SC515720 · est 2015 · no financials extracted	—	—	—	—	10y	79	78y
CHALLENGING LEARNING LTD→ 05204659 · est 2004	—	—	—	—	21y	78	55y
ESCAPE YOUTH SERVICES→ SC431246 · est 2012 · no financials extracted	—	—	—	—	13y	78	72y
JUST CYCLE LTD→ SC511792 · est 2015	—	—	£102.9k	—	10y	78	79y

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

Typeprivate-limited-guarant-nsc

Incorporated1945-11-08

Jurisdictionscotland

Primary SIC85200 — Primary education

Registered office

Abbey Park

Melrose

Roxburghshire

TD6 9LN

Filing status

Accounts

Next due: 2027-05-31

Last made up to: 2025-08-31

Confirmation statement

Next due: 2027-05-11

Last: 2026-04-27