MONUMENT SSAS (TRUSTEES) LIMITED
🌳Matureactive
SC496932 · ltd · incorporated 2015-02-05
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days
No material changes in the last 30 days.
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 Feb 2025
Net worth
£1
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Financial management
Sector: Professional, scientific & technical
Investor take
PursueActive trading company with a 65-year-old founder — textbook succession opportunity.
Opportunity 76/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 65). Biggest value-creation lever: Consolidate lender relationships. 13 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
49 live charges · 13 lenders · oldest 10.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 10.9 years old — likely at or near maturity.
- · 13 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
49 charges (49/49 with lender, 49/49 with type)
90
Directors & officers
9 officers (5 active, 9 linked, 6 with DOB)
83
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
109 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £1
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£1
~ YoY
Current Assets
£1
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-02-28 | 2024-02-28 |
|---|---|---|
| Total assets | £1 | £1 |
| Current assets | £1 | £1 |
| Net assets | £1 | £1 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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
0
filings
Last 90 days
0
filings
Last 180 days
3
filings
- • 1 confirmation-statement
- • 1 officers
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (86 events)Click to expand
- 2026-01-30📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-29🔒Charge registered #49Lender: The Royal Bank of Scotland PLC
- 2025-10-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-09-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-09-02🔓Charge satisfied #18
- 2025-06-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-06-01➕WATT, Carolyn appointeddirector
- 2025-03-10📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-03-05📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-05📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-05📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-03-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-03-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-02-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-29📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-09-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-30🔒Charge registered #48Lender: National Westminster Bank PLC
- 2024-04-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-08🔒Charge registered #47Lender: National Westminster Bank PLC
- 2024-03-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-19🔒Charge registered #46Lender: Debra Homes Limited
- 2023-11-07📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-11-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-31🔒Charge registered #45Lender: Barclays Security Trustee Limited
- 2023-06-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-05-30🔒Charge registered #44Lender: National Westminster Bank PLC
- 2023-04-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-04-19🔒Charge registered #43Lender: The Royal Bank of Scotland PLC
- 2023-03-08🔒Charge registered #42Lender: The Royal Bank of Scotland
- 2023-01-03🔒Charge registered #41Lender: The Royal Bank of Scotland PLC
- 2022-09-12🔒Charge registered #40Lender: The Royal Bank of Scotland PLC
- 2022-09-09🔒Charge registered #39Lender: The Governor and Company of the Bank of Ireland
- 2022-09-09🔒Charge registered #38Lender: The Governor and Company of the Bank of Ireland
- 2022-05-13🔒Charge registered #37Lender: Cliffe House Day Nurseries Limited
- 2020-10-12🔒Charge registered #36Lender: Unity Trust Bank PLC
- 2020-09-21🔒Charge registered #35Lender: Unity Trust Bank PLC
- 2019-12-19🔒Charge registered #34Lender: Barclays Security Trustee Limited
- 2019-11-13🔒Charge registered #33Lender: Lloyds Bank PLC
- 2019-09-30🔒Charge registered #32Lender: Handelsbanken PLC
- 2019-07-19🔒Charge registered #31Lender: Handelsbanken PLC
- 2019-06-19🔒Charge registered #30Lender: Unity Trust Bank PLC
- 2019-06-19🔒Charge registered #29Lender: Unity Trust Bank PLC
- 2019-06-17🔒Charge registered #28Lender: Unity Trust Bank PLC
- 2019-06-17🔒Charge registered #27Lender: Unity Trust Bank PLC
- 2019-04-24🔒Charge registered #26Lender: The Royal Bank of Scotland PLC
- 2018-11-21🔒Charge registered #24Lender: Unity Trust Bank PLC
- 2018-11-20🔒Charge registered #23Lender: Unity Trust Bank PLC
Showing most recent 50 of 86 events
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 65 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 low48 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David Boyd Individual · British · DOB 11/1961 · age 65 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
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 · Professional services · FK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| J.P. RENTALS LIMITED→ SC215548 · est 2001 | £3.56M £2.63M–£4.50M | — | — | 31 | 25y | 83 | 75y |
| JARVIE PLANT LIMITED→ SC313751 · est 2006 | £2.47M £1.82M–£3.12M | — | — | 154 | 19y | 84 | 75y |
| CONTRACT SCOTLAND LIMITED→ SC190122 · est 1998 | £2.22M £1.64M–£2.81M | — | — | 60 | 27y | 83 | 49y |
| STERLING TRUCKS LIMITED→ SC197651 · est 1999 | £1.73M £1.28M–£2.19M | £2.25M | — | 500 | 26y | 83 | 64y |
| BARCLAY DOUGALL (HOLDINGS) LIMITED→ SC182243 · est 1998 | £893.5k £658.3k–£1.13M | — | — | 119 | 28y | 82 | 59y |
| E & O DIAGNOSTICS LIMITED→ SC216473 · est 2001 | — | — | £13.3k | — | 25y | 83 | 69y |
| MTM DEFENCE LAWYERS LIMITED→ SC337728 · est 2008 | — | — | £22.0k | — | 18y | 83 | 62y |
| CENTRAL GROUP HOLDINGS LIMITED→ SC205983 · est 2000 | — | — | £75.0k | — | 26y | 82 | 59y |
| FBD CONSULTANCY, ACCOUNTS & TAX LTD→ SC309527 · est 2006 | — | — | — | — | 19y | 82 | 65y |
| INCINALYSIS LIMITED→ SC185561 · est 1998 | — | — | — | 100 | 28y | 82 | 75y |
| JAMES BAIN & CO. LTD.→ SC202110 · est 1999 | — | — | £139.7k | — | 26y | 82 | 67y |
| KEY FACILITIES MANAGEMENT LTD.→ SC218355 · est 2001 | — | — | — | 2 | 25y | 82 | 73y |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Typeltd
Incorporated2015-02-05
Jurisdictionscotland
Primary SIC70221 — Financial management
Registered office
Office 8, Forrester Lodge
Inglewood
Alloa
FK10 2HU
Scotland
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-02-19
Last: 2026-02-05
Officers (5 active · 4 resigned)
BOYD, David Patrick Jordan→
Activesecretary · appointed 2016-06-24
View their other companies + combined net worth →
Active
BOYD, David Patrick Jordan→
Activedirector · ~39y · appointed 2017-09-13
View their other companies + combined net worth →
Active
WATT, Carolyn→
Activedirector · ~44y · appointed 2025-06-01
View their other companies + combined net worth →
MCCOURT, Amanda→
Resignedsecretary · appointed 2015-03-11 · resigned 2017-09-13
BOYD, Jordan→
Resigneddirector · ~39y · appointed 2016-06-24 · resigned 2016-06-24
FAIRLAMB, Pauline→
Resigneddirector · ~52y · appointed 2015-02-05 · resigned 2015-02-27
MCCOURT, Amanda→
Resigneddirector · ~40y · appointed 2016-06-24 · resigned 2017-09-13
Click a director name to see their full track record across all companies.
Mortgages & charges
49
Total charges
48
Outstanding
8
Active lenders
Status:Lender:49 of 49 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 29/11/2025 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 30/09/2024 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 08/04/2024 | — | |
| outstanding | Debra Homes Debra Homes Limited | A registered charge | 1 property | 19/03/2024 | — | |
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | 1 property | 31/10/2023 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 30/05/2023 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 19/04/2023 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland | A registered charge | 1 property | 08/03/2023 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 03/01/2023 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 12/09/2022 | — | |
| outstanding | The Governor and Company of the Bank of Ireland | A registered charge | 4 properties | 09/09/2022 | — | |
| outstanding | The Governor and Company of the Bank of Ireland | A registered charge | 6 properties | 09/09/2022 | — | |
| outstanding | Cliffe House Day Nurseries Cliffe House Day Nurseries Limited | A registered charge | 1 property | 13/05/2022 | — | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 12/10/2020 | — | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 21/09/2020 | — | |
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | 1 property | 19/12/2019 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 13/11/2019 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 30/09/2019 | — | |
| outstanding | Handelsbanken Handelsbanken PLC | A registered charge | 1 property | 19/07/2019 | — | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 19/06/2019 | — | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 19/06/2019 | — | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | — | 17/06/2019 | — | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | — | 17/06/2019 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 24/04/2019 | — | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 21/11/2018 | — | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | — | 20/11/2018 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 01/10/2018 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 15/06/2018 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 13/06/2018 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 25/05/2018 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 15/12/2017 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 06/10/2017 | 02/09/2025 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 31/03/2017 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 09/03/2017 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 09/03/2017 | — | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | A registered charge | 1 property | 19/01/2017 | — | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | A registered charge | 1 property | 19/01/2017 | — | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | A registered charge | 1 property | 19/01/2017 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 28/10/2016 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 2 properties | 26/08/2016 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 2 properties | 26/08/2016 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 26/08/2016 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 21/03/2016 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 29/02/2016 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 19/02/2016 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 16/06/2015 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 2 properties | 16/06/2015 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 16/06/2015 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 16/06/2015 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (109 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-09
change-person-director-company-with-change-date
officers · CH01
2026-01-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-02
accounts-with-accounts-type-dormant
accounts · AA
2025-10-30
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-02
appoint-person-director-company-with-name-date
officers · AP01
2025-06-13
change-person-secretary-company-with-change-date
officers · CH03
2025-03-10
change-person-director-company-with-change-date
officers · CH01
2025-03-05
change-person-director-company-with-change-date
officers · CH01
2025-03-05
change-person-secretary-company-with-change-date
officers · CH03
2025-03-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-03-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-07
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-04