ST MARY'S MUSIC SCHOOL TRUST LIMITED

🌳Matureactive

SC054504 · private-limited-guarant-nsc · incorporated 1973-11-15

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.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Primary education

Sector: Education

ALSO REGISTERED FOR

85310General secondary education

Investor take

Pursue

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

Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (73/100, director aged 72). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

5 live charges · 3 lenders · oldest 41.0y

25/100

too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

· Oldest live charge is 41.0 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 48/100 (high).

Data confidence

Overall: low (51/100)

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

Company profile

address, 2 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

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

Directors & officers

85 officers (11 active, 85 linked, 76 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

7 connected companies via shared directors

Filing history

255 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.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

• 1 resolution
• 1 confirmation-statement
• 1 incorporation

Counts from Companies House filing history.

Corporate timeline (173 events)Click to expand

2026-02-09
📄
resolution
resolution · RESOLUTIONS
2026-01-12
📄
memorandum-articles
incorporation · MA
2025-12-04
📄
accounts-with-accounts-type-full
accounts · AA
2025-11-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-10-31
➖
FAIRBROTHER, Ken Haga resigned
director
2025-06-23
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-10
➕
BELL, Stephen appointed
director
2025-06-10
➕
MUNRO, Nigel Brock Russell appointed
director
2025-06-10
➕
PARR, Joan appointed
director
2025-06-10
➕
SIMPSON, Kenneth David appointed
director
2025-06-10
➕
TOMES, Susan Mary appointed
director
2025-01-31
📄
accounts-with-accounts-type-full
accounts · AA
2024-11-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-11-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-11-08
➖
HEATHCOTE, Katrina resigned
director
2024-11-08
➖
REID, John Charles resigned
director
2024-10-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-10-07
➕
REID, John Charles appointed
director
2024-06-25
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-06-13
➖
MCLENNAN, Neil Douglas Roderick resigned
director
2024-02-08
📄
accounts-with-accounts-type-full
accounts · AA
2023-06-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-05-02
➕
FAIRBROTHER, Ken Haga appointed
director
2023-02-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-01-29
➖
HECTOR, Alistair Gordon resigned
director
2023-01-20
📄
accounts-with-accounts-type-full
accounts · AA
2022-12-22
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-12-19
➖
BUCKLEY, Joanne Marie Kirkbride, Dr resigned
director
2022-12-08
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-11-08
➕
MACKIE, Alistair Andrew appointed
director
2022-10-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-10-11
➕
MCLENNAN, Neil Douglas Roderick appointed
director
2022-08-25
➕
WATSON, Janine Lu appointed
director
2022-03-14
➖
DAVIDSON, Sarah Patricia resigned
director
2022-02-17
➖
REID, John Charles resigned
director
2022-02-09
➖
ELLIOTT, John Christian resigned
director
2021-12-13
➖
BURNSIDE, Graham Mathieson resigned
director
2020-12-14
➖
COOK, James resigned
director
2020-12-14
➖
SHORT, Neil Robertson resigned
director
2020-11-10
➕
AKERS, Fiona Moira appointed
director
2020-06-09
➕
MUNN, Jamie Andrew appointed
director
2019-11-12
➕
DAVIDSON, Sarah Patricia appointed
director
2019-03-19
➕
BUCKLEY, Joanne Marie Kirkbride, Dr appointed
director
2019-03-19
➕
REID, John Charles appointed
director
2018-12-17
➖
GEMMELL, Gavin John Norman resigned
director
2018-12-17
➖
TORKINGTON, Christian Roy resigned
director

Showing most recent 50 of 173 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 · EH postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ARGYLE BRIDGE LIMITED→ SC277898 · est 2005	—	—	£73.6k	—	21y	83	67y
C.T.T.S. (MANAGEMENT) LIMITED→ SC273935 · est 2004	—	—	—	900	21y	83	64y
COLINTON NURSERIES LIMITED→ SC245941 · est 2003	—	—	—	2100	23y	83	75y
EARLY DAYS NURSERY LIMITED→ SC199638 · est 1999	—	—	£123.3k	—	26y	83	79y
LITTLE MONKEYS LIMITED→ SC219838 · est 2001	—	—	—	113	24y	83	61y
THE LEITH SCHOOL OF ART→ SC111089 · est 1988 · no financials extracted	—	—	—	—	38y	83	76y
TRAINING FOR CARE→ SC100529 · est 1986	—	—	—	9	39y	83	77y
CABER ENTERPRISES LIMITED→ SC207157 · est 2000	—	—	—	2	26y	82	59y
CALEDONIAN BUSINESS CENTRES LTD.→ SC150783 · est 1994	—	—	£461.8k	—	32y	82	70y
DALRY 183 LTD→ SC224473 · est 2001	—	—	£13.1k	—	24y	82	68y
FIRST ADVENTURES LIMITED→ SC260386 · est 2003	—	—	£1.20M	—	22y	82	74y
HEADSTART NURSERY SCHOOLS LIMITED→ SC319219 · est 2007	—	—	—	—	19y	82	61y

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

Incorporated1973-11-15

Jurisdictionscotland

Primary SIC85200 — Primary education

Registered office

Coates Hall

25 Grosvenor Crescent

Edinburgh

EH12 5EL

Filing status

Accounts

Next due: 2027-04-30

Last made up to: 2025-07-31

Confirmation statement

Next due: 2027-01-13

Last: 2025-12-30