SAINT BRIDE'S CHURCH (DUMFRIES) LIMITED

🌳Matureactive
SC362396 · private-limited-guarant-nsc · incorporated 2009-07-09
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 6.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Activities of religious organisations
Sector: Other service activities
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and acceptable with review structure.

Opportunity 80/100 (exceptional), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. 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 (65/100).

🏦

Refinance opportunity

4 live charges · 2 lenders · oldest 6.4y

50/100
clean up first

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

  • · Oldest live charge is 6.4 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — 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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
7 officers (4 active, 7 linked, 6 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
73 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 mortgage
Last 180 days
2
filings
  • • 1 mortgage
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
  1. 2026-02-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  2. 2026-02-04
    🔓
    Charge satisfied #3
  3. 2025-11-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-06-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2024-09-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-09-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-04-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2023-04-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2023-04-17
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  10. 2022-07-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-07-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2022-07-14
    🔓
    Charge satisfied #1
  13. 2022-05-30
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2021-07-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2020-08-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2019-12-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2019-12-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2019-12-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2019-12-15
    🔒
    Charge registered #4
    Lender: The Reverend Andrew Moncrieff Crosbie
  20. 2019-12-15
    🔒
    Charge registered #3
    Lender: The Reverend Andrew Moncrieff Crosbie
  21. 2019-12-15
    🔒
    Charge registered #2
    Lender: The Reverend Andrew Moncrieff Crosbie
  22. 2019-12-14
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  23. 2019-12-12
    🔒
    Charge registered #1
    Lender: John Archibald Donaldson
  24. 2019-06-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  25. 2018-06-18
    ➕
    DAVIES, Katharine appointed
    director
  26. 2018-06-18
    ➖
    LINDSAY, Anne resigned
    director
  27. 2014-10-01
    ➕
    LINDSAY, Anne appointed
    director
  28. 2014-10-01
    ➖
    RENWICK, Christopher John resigned
    director
  29. 2013-07-01
    ➕
    RENWICK, Christopher John appointed
    director
  30. 2012-12-31
    ➖
    HARRIS, Neal resigned
    director
  31. 2010-05-12
    ➕
    HARRIS, Neal appointed
    director
  32. 2009-07-09
    🏢
    Company incorporated
    As SAINT BRIDE'S CHURCH (DUMFRIES) LIMITED
  33. 2009-07-09
    ➕
    CROSBIE, Andrew Moncrieff, Reverend appointed
    secretary
  34. 2009-07-09
    ➕
    CROSBIE, Andrew Moncrieff, Reverend appointed
    director
  35. 2009-07-09
    ➕
    ORMOND, Thomas Alexander Christison appointed
    director

Owner dependency

68/100
High — earn-out structure required

Material 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 17 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

73/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • secondary12+ year tenure: Director in role 17 years.
  • secondaryStable-but-static management: Company is 17 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

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.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Father Andrew Moncrieff Crosbie
Individual · Scottish · DOB 09/1962 · age 64
——sig. influencesignificant influence14/07/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2009-07-09
Jurisdictionscotland
Primary SIC94910 — Activities of religious organisations

Registered office

47 Castle Street
Dumfries
DG1 1DU
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-18
Last: 2025-07-04

Officers (4 active · 3 resigned)

CROSBIE, Andrew Moncrieff, Reverend→
secretary · appointed 2009-07-09
View their other companies + combined net worth →
Active
CROSBIE, Andrew Moncrieff, Reverend→
director · ~64y · appointed 2009-07-09
View their other companies + combined net worth →
Active
DAVIES, Katharine→
director · ~61y · appointed 2018-06-18
View their other companies + combined net worth →
Active
ORMOND, Thomas Alexander Christison→
director · ~55y · appointed 2009-07-09
View their other companies + combined net worth →
Active
HARRIS, Neal→
director · ~78y · appointed 2010-05-12 · resigned 2012-12-31
Resigned
LINDSAY, Anne→
director · ~80y · appointed 2014-10-01 · resigned 2018-06-18
Resigned
RENWICK, Christopher John→
director · ~62y · appointed 2013-07-01 · resigned 2014-10-01
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

4
Total charges
2
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
The Reverend Andrew Moncrieff Crosbie
A registered charge2 properties15/12/2019—
satisfied
The Reverend Andrew Moncrieff Crosbie
A registered charge2 properties15/12/201904/02/2026
outstanding
The Reverend Andrew Moncrieff Crosbie
A registered charge2 properties15/12/2019—
satisfied
John Archibald Donaldson / Mary Donaldson
A registered charge2 properties12/12/201914/07/2022
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (73 total)

mortgage-satisfy-charge-full
mortgage · MR04
2026-02-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-04
change-person-director-company-with-change-date
officers · CH01
2023-04-17
change-person-director-company-with-change-date
officers · CH01
2023-04-17
change-person-secretary-company-with-change-date
officers · CH03
2023-04-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-14
mortgage-satisfy-charge-full
mortgage · MR04
2022-07-14
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-05-30