ST. MARGARET'S SCHOOL FOR GIRLS (INCORPORATED).

🌳Matureactive

SC012585 · private-limited-guarant-nsc · incorporated 1923-02-26

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.

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

—

not disclosed

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Pre-primary education

Sector: Education

ALSO REGISTERED FOR

85200Primary education
85310General secondary education

Investor take

Pursue

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 77/100 (strong), bankability 62/100. 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 · 3 lenders · oldest 58.0y

35/100

too messy

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

· Oldest live charge is 58.0 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: low (50/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile

address, 3 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

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

Directors & officers

82 officers (12 active, 82 linked, 74 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

5 connected companies via shared directors

Filing history

236 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.

Recent activity

Last 30 days

filings

Last 90 days

filings

• 1 accounts
• 1 confirmation-statement

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (161 events)Click to expand

2026-04-01
📄
accounts-with-accounts-type-full
accounts · AA
2025-07-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-06-27
➖
HARPER, Hilary Jane resigned
director
2025-04-04
📄
accounts-with-accounts-type-full
accounts · AA
2024-08-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-08-22
➕
BAVERSTOCK, Carol Ann appointed
director
2024-04-11
📄
accounts-with-accounts-type-full
accounts · AA
2023-08-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-08-21
➕
WATT, Lesley Fiona appointed
director
2023-05-02
📄
accounts-with-accounts-type-full
accounts · AA
2023-03-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-03-12
➖
DAVIDSON, Lesley Alison resigned
director
2022-10-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-10-26
➕
CRAIK, Jane Alexandra appointed
director
2022-09-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-09-08
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-09-08
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-09-06
➕
FOSTER, Karen Nancy appointed
director
2022-09-06
➕
THOMSON, Olivia Fiona Yunming appointed
director
2022-09-06
➖
EVEREST, Anne Christine resigned
director
2022-06-29
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-06-24
➖
GRATTIDGE, Michael Alan resigned
director
2022-05-25
📄
change-person-director-company-with-change-date
officers · CH01
2022-03-30
📄
accounts-with-accounts-type-full
accounts · AA
2021-10-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-07-29
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2021-07-29
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2021-07-01
➕
MILLER, Mhairi Elizabeth appointed
secretary
2021-06-30
➖
MOUNTAIN, Anthony Richard resigned
secretary
2021-06-25
➖
HOUSE, Julia Margaret, Dr resigned
director
2021-04-26
📄
accounts-with-accounts-type-full
accounts · AA
2020-11-26
➕
DAVIDSON, Lesley Alison appointed
director
2020-10-19
➕
YEOMAN, Neil appointed
director
2020-10-06
➕
BARKER, Simon Lee appointed
director
2020-10-05
➕
LEIGHTON, Katherine Jennifer appointed
director
2020-08-04
➖
BANNISTER, Adrian John resigned
director
2020-03-06
➖
VIJ, Ritu, Dr resigned
director
2019-08-27
➖
GIFFORD, James Norman resigned
director
2018-12-11
➕
HARPER, Hilary Jane appointed
director
2018-11-05
➕
WALLACE, Rebecca Mairi, Professor appointed
director
2017-11-09
➖
MCLENNAN, Ian Fleming resigned
director
2017-03-27
➕
MCLENNAN, Ian Fleming appointed
director
2017-03-15
➖
BAILLIE, John Miller resigned
director
2017-03-15
➖
CRAIK, Jane Alexandra resigned
director
2017-03-15
➖
WOOD, David Buick Meldrum resigned
director
2017-01-20
➕
ROSS, Margaret Louise, Professor appointed
director
2016-12-12
➖
BRUCE, Allan Wales, Dr resigned
director
2016-12-12
➕
VIJ, Ritu, Dr appointed
director
2016-03-17
➕
GAMMIE, Elizabeth, Professor appointed
director
2016-03-17
➖
HARPER, John, Professor resigned
director

Showing most recent 50 of 161 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-11 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 76 — succession pressure is live.

Succession & seller-readiness

65/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 76 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 ·

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 · AB postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
NORTH EAST OF SCOTLAND MUSIC SCHOOL LIMITED→ SC058254 · est 1975 · no financials extracted	—	—	—	—	50y	83	83y
1ST CLASS GAS LIMITED→ SC270334 · est 2004	—	—	£256.6k	—	21y	82	64y
ABERDEEN STEP BY STEP NURSERY LIMITED→ SC291171 · est 2005	—	—	£120.1k	—	20y	82	63y
BANBURY CROSS NURSERY LIMITED→ SC396469 · est 2011	—	—	£192.0k	—	15y	82	66y
ESD SIMULATION TRAINING LIMITED→ SC199873 · est 1999	—	—	—	300	26y	82	65y
PETERHEAD & DISTRICT GROUP TRAINING LIMITED→ SC160231 · est 1995	—	—	£743.8k	—	30y	82	60y
STEPPING STONES NURSERIES (PETERHEAD) LIMITED→ SC260841 · est 2003	—	—	£89.5k	—	22y	82	66y
TULLOS TRAINING LIMITED→ SC068734 · est 1979 · no financials extracted	—	—	—	—	46y	82	81y
ABERDEEN STRAIGHT-WAY LIMITED→ SC219939 · est 2001	—	—	—	200	24y	81	72y
CHOICES ABERDEEN LIMITED→ SC307363 · est 2006 · no financials extracted	—	—	—	—	19y	81	72y
HADDO COUNTRY PARK FORUM LTD→ SC324915 · est 2007	—	—	£76.6k	—	18y	81	76y
LAURENCEKIRK YOUTH & COMMUNITY VENTURE→ SC180965 · est 1997	—	—	£103.8k	—	28y	81	77y

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.

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Company details

Statusactive

Typeprivate-limited-guarant-nsc

Incorporated1923-02-26

Jurisdictionscotland

Primary SIC85100 — Pre-primary education

Registered office

17 Albyn Place

Aberdeen

Aberdeenshire

AB10 1RU

Filing status

Accounts

Next due: 2027-04-30

Last made up to: 2025-07-31

Confirmation statement

Next due: 2027-04-05

Last: 2026-03-22