CHRISTIAN SCHOOLS (SCOTLAND) LIMITED

🌳Matureactive

SC107480 · private-limited-guarant-nsc · incorporated 1987-11-09

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 · medium confidence

Mixed signals — 1 changes over 30 days, no clear direction yet.

· Legal friction: high → moderate

What changed my view

Last 30 days

Mixed signals in the last 30 days — 0 improved, 0 worsened.

·Legal friction: high → moderate

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 Jul 2024

Net worth

£2.79M

book net assets

Opportunity

77/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Pre-primary education

Sector: Education

ALSO REGISTERED FOR

85200Primary education
85310General secondary education

Investor take

Pursue

Active trading company with a 74-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (63/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · 4 lenders · oldest 35.8y

35/100

too messy

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

· Oldest live charge is 35.8 years old — likely at or near maturity.
· 4 lenders named — inter-creditor friction likely.
· Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (72/100)

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

Company profile

address, 3 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

4 charges (4/4 with lender, 4/4 with type)

Directors & officers

65 officers (7 active, 65 linked, 61 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

1 connected companies via shared directors

Filing history

218 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.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £2,786,433

Cash YoY

+16%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£165k

↑ 16% YoY

Net Worth

£2.8m

↑ 4.2% YoY

Current Assets

£231k

↑ 9.5% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-07-31	2023-07-31
Total assets	£3.55M	£3.49M
Current assets	£231.2k	£211.2k
Cash	£164.9k	£142.7k
Debtors	£66.3k	£68.5k
Net assets	£2.79M	£2.67M

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (148 events)Click to expand

2025-11-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-11-17
➖
MCCLAFFERTY, James Gerard resigned
director
2025-05-13
📄
accounts-with-accounts-type-small
accounts · AA
2024-05-09
📄
accounts-with-accounts-type-small
accounts · AA
2023-10-24
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-10-09
➖
MCCALLUM, Neil David resigned
director
2023-06-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-06-08
➕
MCCLAFFERTY, James Gerard appointed
director
2023-05-04
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-04-27
📄
accounts-with-accounts-type-full
accounts · AA
2023-04-25
➖
MILLER, Gordon resigned
director
2023-03-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-03-24
➕
CRAIG, William Campbell appointed
director
2023-03-21
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-03-21
📄
change-person-director-company-with-change-date
officers · CH01
2023-01-13
➖
CAMPBELL, Irene Elizabeth, Rev resigned
director
2022-03-01
📄
accounts-with-accounts-type-full
accounts · AA
2021-10-25
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-10-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-09-13
➕
BLACKMAN, Ian Ross, Reverend appointed
director
2021-08-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-08-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-08-06
➖
HOWAT, Kenneth James resigned
director
2021-08-01
➖
GIBSON, Alan William, Reverend resigned
director
2021-08-01
➖
STEVENSON, John, Reverend resigned
director
2021-06-23
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-06-23
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-06-14
➕
MCMAHON, Margaret Ann appointed
director
2021-06-14
➕
CAMPBELL, Irene Elizabeth, Rev appointed
director
2021-04-20
📄
accounts-with-accounts-type-full
accounts · AA
2021-04-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-04-12
➕
SIMPSON, Penelope Sally appointed
director
2021-04-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-03-15
➖
MCMURRAY, Colin Andrew resigned
director
2021-02-15
➖
MCDANIEL, Wilma Walker resigned
director
2020-10-22
➕
MCCALLUM, Neil David appointed
director
2020-07-01
➖
HAY, Wendy Louise resigned
director
2020-07-01
➖
PORTE, Alan resigned
director
2020-07-01
➖
SHAW, Christine Jennie resigned
director
2020-05-26
➖
SMITH, Gregor Ian resigned
director
2020-05-26
➕
STEVENSON, John, Reverend appointed
director
2020-04-08
➕
LAW, Sara Jane appointed
director
2020-04-08
➕
MILLER, Gordon appointed
director
2019-12-30
➖
LOVE, Archie resigned
director
2019-11-21
➖
RICHARDS, Colin resigned
director
2019-08-08
➖
PATTERSON, Richard Matthew resigned
director
2019-06-17
➕
MCQUADE, Stephen Anthony appointed
director
2019-06-17
➖
LOCHHEAD, Alastair David resigned
director
2019-06-17
➕
LOVE, Archie appointed
director
2019-06-17
➕
MCMURRAY, Colin Andrew appointed
director

Showing most recent 50 of 148 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-7 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 74 — succession pressure is live.

Succession & seller-readiness

70/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
secondaryStable-but-static management: Company is 39 years old and no new directors in the last 3 years — succession not yet being planned internally.

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 · ML postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
A & B EDUCATION LIMITED→ SC159176 · est 1995	—	—	£74.5k	—	30y	83	65y
ARDFERN LIMITED→ SC323936 · est 2007	—	—	£517.8k	—	19y	82	71y
MICROCOM (SCOTLAND) LIMITED→ SC127233 · est 1990	—	—	£1.37M	—	35y	82	77y
MICROCOM TRAINING LIMITED→ SC126684 · est 1990	—	—	£695.3k	—	35y	82	77y
QUALITAS INTERNATIONAL LIMITED→ SC173499 · est 1997	—	—	£81.0k	—	29y	82	59y
REGEN: FX YOUTH TRUST→ SC315092 · est 2007 · no financials extracted	—	—	—	—	19y	81	65y
VERG LTD→ SC359137 · est 2009	—	—	—	400	17y	81	66y
CLYDEVALLEY KINDERGARTEN LIMITED→ SC219513 · est 2001	—	—	—	18	25y	80	58y
SPORTFLIGHT SCOTLAND LIMITED→ SC308893 · est 2006	—	—	£10.1k	—	19y	80	65y
THE SCOTTISH VOCATIONAL TRAINING FOUNDATION C.I.C.→ SC102963 · est 1987 · no financials extracted	—	—	—	—	39y	80	69y
BIGGAR CORN EXCHANGE LTD→ SC368706 · est 2009	—	—	£72.5k	—	16y	79	81y
GMD COMMUNITY SERVICES LTD→ SC419834 · est 2012	—	—	£132.1k	—	14y	79	59y

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

Typeprivate-limited-guarant-nsc

Incorporated1987-11-09

Jurisdictionscotland

Primary SIC85100 — Pre-primary education

Registered office

Hamilton College

Bothwell Road

Hamilton

ML3 0AY

Filing status

Accounts

Next due: 2026-07-31

Last made up to: 2024-07-31

Confirmation statement

Next due: 2026-11-24

Last: 2025-11-10