THE ACTUAL REALITY TRUST
🌳Matureactive
SC211025 · private-limited-guarant-nsc-limited-exemption · incorporated 2000-09-14
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 19.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Other education n.e.c.
Sector: Education
Investor take
PursueActive trading company with a 73-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 73). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 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
3 live charges · 2 lenders · oldest 19.4y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 19.4 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 (57/100)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
0
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
23 officers (4 active, 23 linked, 19 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
112 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 officers
Last 90 days
1
filing
- • 1 officers
Last 180 days
2
filings
- • 2 officers
Counts from Companies House filing history.
Corporate timeline (63 events)Click to expand
- 2026-04-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-31➖MILLER, Richard Ian resigneddirector
- 2026-01-13➕OSBORNE, Eilidh Clark appointeddirector
- 2026-01-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-05-07📄accounts-with-accounts-type-smallaccounts · AA
- 2025-03-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-03-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-03-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-14➕KERR, Nicola Susan appointeddirector
- 2025-02-14➖DOWNIE, Alison Frances resigneddirector
- 2025-02-14➖LAVEROCK, Alan James resigneddirector
- 2025-02-14➕MILLER, Richard Ian appointeddirector
- 2024-05-23📄accounts-with-accounts-type-smallaccounts · AA
- 2024-02-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-02-09➖GIBB, Gordon Alexander resigneddirector
- 2023-04-12📄accounts-with-accounts-type-smallaccounts · AA
- 2022-04-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-29📄accounts-with-accounts-type-smallaccounts · AA
- 2020-11-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-10-03➕LAVEROCK, Alan James appointeddirector
- 2020-04-27📄accounts-with-accounts-type-smallaccounts · AA
- 2019-07-05📄accounts-amended-with-accounts-type-smallaccounts · AAMD
- 2019-05-01📄accounts-with-accounts-type-smallaccounts · AA
- 2019-04-30📄accounts-amended-with-accounts-type-smallaccounts · AAMD
- 2018-03-27➖BRESLIN, Michael Charles resigneddirector
- 2018-03-27➖GRAY, Barbara resigneddirector
- 2017-12-22➕BRESLIN, Michael Charles appointeddirector
- 2017-12-22➖BRESLIN, Michael Charles resigneddirector
- 2017-11-29➕BRESLIN, Michael Charles appointeddirector
- 2016-12-14➖MASON, Christopher Michael, Dr. resigneddirector
- 2016-07-12➕GRAY, Barbara appointeddirector
- 2015-05-11➖MOFFAT, Lennie Mcgeoch resigneddirector
- 2015-03-31➖HASSALL, William Mcmillan resigneddirector
- 2014-04-07➖ROSS, Donald Gordon Fraser resigneddirector
- 2014-01-31➖LAVEROCK, Alan James resigneddirector
- 2013-02-08🔒Charge registered #3Lender: Argyll & Bute Council
- 2013-02-08🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2009-02-27➕GIBB, Gordon Alexander appointeddirector
- 2007-10-31➕WILSON, Peter Carey Lawrie appointedsecretary
- 2007-09-12➖JAMIESON, John, Dr resignedsecretary
- 2007-08-20➕HASSALL, William Mcmillan appointeddirector
- 2007-04-16➕JAMIESON, John, Dr appointedsecretary
- 2007-04-16➖MOFFAT, Lennie Mcgeoch resignedsecretary
- 2006-12-08🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2005-11-14➕ROSS, Donald Gordon Fraser appointeddirector
- 2005-04-20➕DOWNIE, Alison Frances appointeddirector
- 2005-04-20➕LAVEROCK, Alan James appointeddirector
- 2005-04-20➕MASON, Christopher Michael, Dr. appointeddirector
- 2005-02-01➖KERR, Nicola Susan resignedsecretary
Showing most recent 50 of 63 events
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 26 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 candidateStrong 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 26 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Peter Carey Wilson Individual · British · DOB 06/1953 · age 73 | — | — | sig. influencesignificant influence · trust interest | 01/09/2016 |
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 →Similar companies
Active · Education & training · PA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CAIRNDOW COMMUNITY CHILDCARE LIMITED→ SC276132 · est 2004 | — | — | £1.66M | — | 21y | 83 | 66y |
| IONAD CHALUIM CHILLE ILE→ SC209046 · est 2000 · no financials extracted | — | — | — | — | 25y | 83 | 91y |
| ST COLUMBA'S DRIMNIN TRUST LIMITED→ SC289026 · est 2005 | — | — | £22.9k | — | 20y | 83 | 80y |
| CARLI'S KINDERGARTEN LTD→ SC290076 · est 2005 | — | — | £49.5k | — | 20y | 82 | 73y |
| PROFESSIONAL DIVING ACADEMY LIMITED→ SC264798 · est 2004 | — | — | £309.0k | — | 22y | 82 | 71y |
| CO-ROINN GHAIDHLIG MHUILE AGUS IDHE (MULL & IONA GAELIC PARTNERSHIP)→ SC280109 · est 2005 · no financials extracted | — | — | — | — | 21y | 81 | 80y |
| ENGAGE RENFREWSHIRE→ SC120101 · est 1989 · no financials extracted | — | — | — | — | 36y | 81 | 68y |
| PRACTICAL FINANCIAL EXAMS LIMITED→ SC660494 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| RIVERSIDE RASCALS LIMITED→ SC656587 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| SHIFT UP DRIVING ACADEMY LTD→ SC840074 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| SKILLS TRAINING GROUP LTD→ SC587337 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| SPNO TRAINING & LOGISTICS LTD→ SC513388 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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-limited-exemption
Incorporated2000-09-14
Jurisdictionscotland
Primary SIC85590 — Other education n.e.c.
Registered office
Ardentinny Outdoor Centre
Ardentinny
Dunoon
Argyll
PA23 8TR
Filing status
Accounts
Next due: 2026-04-30
Last made up to: 2024-07-31
Confirmation statement
Next due: 2026-09-28
Last: 2025-09-14
Officers (4 active · 19 resigned)
WILSON, Peter Carey Lawrie→
Activesecretary · appointed 2007-10-31
View their other companies + combined net worth →
KERR, Nicola Susan→
Activedirector · ~52y · appointed 2025-02-14
View their other companies + combined net worth →
OSBORNE, Eilidh Clark→
Activedirector · ~19y · appointed 2026-01-13
View their other companies + combined net worth →
WILSON, Peter Carey→
Activedirector · ~73y · appointed 2000-09-14
View their other companies + combined net worth →
JAMIESON, John, Dr→
Resignedsecretary · appointed 2007-04-16 · resigned 2007-09-12
KERR, Nicola Susan→
Resignedsecretary · appointed 2000-09-14 · resigned 2005-02-01
MOFFAT, Lennie Mcgeoch→
Resignedsecretary · appointed 2005-02-01 · resigned 2007-04-16
BRESLIN, Michael Charles→
Resigneddirector · ~74y · appointed 2017-12-22 · resigned 2017-12-22
BRESLIN, Michael Charles→
Resigneddirector · ~74y · appointed 2017-11-29 · resigned 2018-03-27
DOHERTY, Aidan Patrick James→
Resigneddirector · ~60y · appointed 2004-05-28 · resigned 2004-10-21
DOWNIE, Alison Frances→
Resigneddirector · ~63y · appointed 2005-04-20 · resigned 2025-02-14
ELLMORE, Bonita Victoria Rose→
Resigneddirector · ~55y · appointed 2004-05-28 · resigned 2004-10-21
GIBB, Gordon Alexander→
Resigneddirector · ~67y · appointed 2009-02-27 · resigned 2024-02-09
GRAY, Barbara→
Resigneddirector · ~68y · appointed 2016-07-12 · resigned 2018-03-27
HASSALL, William Mcmillan→
Resigneddirector · ~91y · appointed 2007-08-20 · resigned 2015-03-31
KERR, Nicola Susan→
Resigneddirector · ~52y · appointed 2004-05-28 · resigned 2005-02-01
LAVEROCK, Alan James→
Resigneddirector · ~71y · appointed 2020-10-03 · resigned 2025-02-14
LAVEROCK, Alan James→
Resigneddirector · ~71y · appointed 2005-04-20 · resigned 2014-01-31
MASON, Christopher Michael, Dr.→
Resigneddirector · ~85y · appointed 2005-04-20 · resigned 2016-12-14
MILLER, Richard Ian→
Resigneddirector · ~69y · appointed 2025-02-14 · resigned 2026-03-31
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Argyll & Bute Council | Standard security | 1 property | 08/02/2013 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 08/02/2013 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 08/12/2006 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (112 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-04-02
appoint-person-director-company-with-name-date
officers · AP01
2026-01-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-22
accounts-with-accounts-type-small
accounts · AA
2025-05-07
appoint-person-director-company-with-name-date
officers · AP01
2025-03-12
appoint-person-director-company-with-name-date
officers · AP01
2025-03-11
termination-director-company-with-name-termination-date
officers · TM01
2025-03-11
termination-director-company-with-name-termination-date
officers · TM01
2025-03-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-27
accounts-with-accounts-type-small
accounts · AA
2024-05-23
termination-director-company-with-name-termination-date
officers · TM01
2024-02-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-06
accounts-with-accounts-type-small
accounts · AA
2023-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-22