BETHANY CHRISTIAN TRUST
🌳Matureactive
SC228528 · private-limited-guarant-nsc-limited-exemption · incorporated 2002-02-26
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
73/100
Strong
What this business does
Primary activity: Other service activities n.e.c.
Sector: Other service activities
Investor take
PursueActive trading company with a 71-year-old founder — textbook succession opportunity.
Opportunity 73/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 71). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
🏦
Refinance opportunity
24 live charges · 6 lenders · oldest 24.0y
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 24.0 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 63/100 (high).
Data confidence
Overall: low (50/100)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
0
Lenders & charges
24 charges (24/24 with lender, 24/24 with type)
90
Directors & officers
30 officers (11 active, 30 linked, 27 with DOB)
88
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
3 connected companies via shared directors
54
Filing history
155 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 officers
Last 90 days
2
filings
- • 1 officers
- • 1 confirmation-statement
Last 180 days
3
filings
- • 2 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (113 events)Click to expand
- 2026-04-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-27➕LAZONBY, Norman Anderson appointeddirector
- 2025-11-13📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-22📄accounts-with-accounts-type-groupaccounts · AA
- 2025-10-02📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-06-20➕MACNEILL, Colin James appointeddirector
- 2024-09-25📄accounts-with-accounts-type-groupaccounts · AA
- 2024-09-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-20🔒Charge registered #24Lender: Bank of Scotland PLC
- 2024-07-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-06-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-06-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-06-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-06-21➕LAMONT, Derek, Reverend appointeddirector
- 2024-06-21➕OTOO, Adom appointeddirector
- 2024-06-21➖CAMPBELL, James Malcolm resigneddirector
- 2024-06-21➖MASON, Colin, Professor resigneddirector
- 2024-02-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-02-12➖CRAIG, John Ronald resigneddirector
- 2023-11-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-11-17➖BEATTIE, Nicole Elizabeth resigneddirector
- 2023-10-03📄accounts-with-accounts-type-groupaccounts · AA
- 2022-11-01📄accounts-with-accounts-type-groupaccounts · AA
- 2022-08-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-31🔓Charge satisfied #21
- 2022-08-31🔓Charge satisfied #20
- 2022-06-30📄second-filing-of-director-appointment-with-nameofficers · RP04AP01
- 2022-06-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-06-17➖STORMONT, Angela resigneddirector
- 2021-12-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-11-26➕BEATTIE, Nicole Elizabeth appointeddirector
- 2021-09-17➕LYALL, Ian James Graeme appointeddirector
- 2020-07-29🔓Charge satisfied #17
- 2020-07-29🔓Charge satisfied #16
- 2020-07-29🔓Charge satisfied #15
- 2020-07-29🔓Charge satisfied #14
- 2020-07-29🔓Charge satisfied #13
- 2020-07-29🔓Charge satisfied #12
- 2020-07-29🔓Charge satisfied #11
- 2020-07-29🔓Charge satisfied #10
- 2020-07-29🔓Charge satisfied #8
- 2020-07-29🔓Charge satisfied #7
- 2020-07-29🔓Charge satisfied #6
- 2020-07-29🔓Charge satisfied #5
- 2020-07-29🔓Charge satisfied #4
- 2020-07-29🔓Charge satisfied #3
- 2020-07-29🔓Charge satisfied #2
- 2020-06-19➖BALFOUR, Jeremy Ross resigneddirector
Showing most recent 50 of 113 events
Owner dependency
55/100
Moderate — manageable with handoverSome 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 71 — succession pressure is live.
Succession & seller-readiness
65/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
5 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
🔒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 · Trade services · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A SCOTT ELECTRICAL LIMITED→ SC552226 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A.P. NEWALL & COMPANY LIMITED→ SC009943 · est 1917 · no financials extracted | — | — | — | — | 108y | — | — |
| ANSARI TECHNOLOGY LTD→ SC694747 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| APPROOV LIMITED→ SC224237 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| ARCHANGELUM LTD→ SC654649 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ARISAIG FARMS LIMITED→ SC477477 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| AROS BARBERS LTD→ SC767975 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ARTISAN EVENTS LIMITED→ SC353736 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| ASF FOUNDER PARTNER (SCOTS) LIMITED→ SC408087 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ASF GENERAL PARTNER (SCOTS) LIMITED→ SC408088 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ASPEN JOINERY & GLAZING LTD.→ SC573399 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ASSIGNAC LIMITED→ SC757017 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2002-02-26
Jurisdictionscotland
Primary SIC96090 — Other service activities n.e.c.
Registered office
65 Bonnington Road
Edinburgh
EH6 5JQ
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-17
Last: 2026-02-03
Officers (11 active · 19 resigned)
Active
GILLESPIE, Sofie Victoria Gwenda→
Activedirector · ~37y · appointed 2020-05-01
View their other companies + combined net worth →
HESKETH, Mark→
Activedirector · ~65y · appointed 2017-05-11
View their other companies + combined net worth →
LAMONT, Derek, Reverend→
Activedirector · ~62y · appointed 2024-06-21
View their other companies + combined net worth →
LAZONBY, Norman Anderson→
Activedirector · ~67y · appointed 2026-03-27
View their other companies + combined net worth →
LYALL, Ian James Graeme→
Activedirector · ~71y · appointed 2021-09-17
View their other companies + combined net worth →
MACCALLUM, Sonia, Dr→
Activedirector · ~45y · appointed 2016-04-08
View their other companies + combined net worth →
MACNEILL, Colin James→
Activedirector · ~58y · appointed 2025-06-20
View their other companies + combined net worth →
Active
RATTER, Joanne Roberta, Dr→
Activedirector · ~49y · appointed 2020-03-27
View their other companies + combined net worth →
WALKER, Catherine Ruth→
Activedirector · ~71y · appointed 2016-02-05
View their other companies + combined net worth →
GORDON, Iain Crichton→
Resignedsecretary · appointed 2002-03-20 · resigned 2018-06-29
BALFOUR & MANSON→
Resignedcorporate-nominee-secretary · appointed 2002-02-26 · resigned 2002-03-20
BALFOUR, Jeremy Ross→
Resigneddirector · ~59y · appointed 2004-10-04 · resigned 2020-06-19
BEATTIE, Nicole Elizabeth→
Resigneddirector · ~30y · appointed 2021-11-26 · resigned 2023-11-17
BELL, Leslie Stuart→
Resigneddirector · ~87y · appointed 2002-02-26 · resigned 2009-01-28
BENINGTON, Charles Kenneth, Dr→
Resigneddirector · ~95y · appointed 2002-02-26 · resigned 2004-07-28
BERRY, Alan Oliver, Reverend→
Resigneddirector · ~89y · appointed 2002-02-26 · resigned 2013-04-13
BERRY, Norman Stevenson Mclean→
Resigneddirector · ~93y · appointed 2002-02-26 · resigned 2015-06-26
CAMPBELL, James Malcolm→
Resigneddirector · ~69y · appointed 2014-11-07 · resigned 2024-06-21
Click a director name to see their full track record across all companies.
Mortgages & charges
24
Total charges
5
Outstanding
2
Active lenders
Status:Lender:24 of 24 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 20/09/2024 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 18/09/2019 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 6 properties | 07/06/2017 | — | |
| satisfied | Social Investment Scotland (Sis) | Standard security | 1 property | 06/04/2010 | 31/08/2022 | |
| satisfied | Sis Community Finance Sis Community Finance Limited | Standard security | 1 property | 06/04/2010 | 31/08/2022 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 04/02/2008 | — | |
| outstanding | C & W Assets C & W Assets Limited | Standard security | 1 property | 04/02/2008 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 01/02/2008 | 29/07/2020 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 14/09/2007 | 29/07/2020 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 13/03/2007 | 29/07/2020 | |
| satisfied | West Lothian Council | Standard security | 1 property | 15/05/2003 | 29/07/2020 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 22/04/2003 | 29/07/2020 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 22/04/2003 | 29/07/2020 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 22/04/2003 | 29/07/2020 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 22/04/2003 | 29/07/2020 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 09/05/2002 | 01/09/2011 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 03/05/2002 | 29/07/2020 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 03/05/2002 | 29/07/2020 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 03/05/2002 | 29/07/2020 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 03/05/2002 | 29/07/2020 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 03/05/2002 | 29/07/2020 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 03/05/2002 | 29/07/2020 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 03/05/2002 | 29/07/2020 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 03/05/2002 | 01/09/2011 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (155 total)
appoint-person-director-company-with-name-date
officers · AP01
2026-04-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-04
change-person-director-company-with-change-date
officers · CH01
2025-11-13
accounts-with-accounts-type-group
accounts · AA
2025-10-22
change-person-director-company-with-change-date
officers · CH01
2025-10-02
appoint-person-director-company-with-name-date
officers · AP01
2025-06-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-04
accounts-with-accounts-type-group
accounts · AA
2024-09-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-09-23
appoint-person-director-company-with-name-date
officers · AP01
2024-07-22
appoint-person-director-company-with-name-date
officers · AP01
2024-06-27
termination-director-company-with-name-termination-date
officers · TM01
2024-06-24
termination-director-company-with-name-termination-date
officers · TM01
2024-06-24
termination-director-company-with-name-termination-date
officers · TM01
2024-02-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-05