LORETTO SCHOOL LIMITED

🌳Matureactive

SC059500 · private-limited-guarant-nsc · incorporated 1976-03-01

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.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

74/100

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

Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 74/100 (strong), bankability 67/100. Strong seller-intent signal (63/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

12 live charges · 4 lenders · oldest 31.5y

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 31.5 years old — likely at or near maturity.
· 4 lenders named — inter-creditor friction likely.
· Legal-friction score 53/100 (high).

Data confidence

Overall: medium (59/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 3 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

12 charges (12/12 with lender, 12/12 with type)

Directors & officers

100 officers (12 active, 100 linked, 94 with DOB)

Ownership & PSC

0 active PSC(s) of 6 total, 6 with control declared

Director network

6 connected companies via shared directors

Filing history

306 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

74/100Strong

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

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filing

• 1 accounts

Last 90 days

filings

• 2 officers
• 1 accounts
• 1 confirmation-statement

Last 180 days

filings

• 3 officers
• 3 persons-with-significant-control
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (207 events)Click to expand

2026-04-09
📄
accounts-with-accounts-type-group
accounts · AA
2026-03-16
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-03-08
➖
MCLAREN, Kim resigned
director
2026-02-23
📄
notification-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC08
2026-01-26
📄
change-person-director-company-with-change-date
officers · CH01
2025-12-18
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-05
➖
STERN, Guy resigned
director
2025-12-02
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-02
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-10-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-10-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-10-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-10-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-10-03
➕
BEATON, Angela Mary appointed
director
2025-10-03
➕
GREEN, Roger Bernard appointed
director
2025-10-03
➕
RIDDELL, Timothy John appointed
director
2025-10-03
➖
MACK, Emma Louise Watson resigned
director
2025-08-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-08-15
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-08-15
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-08-15
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-06-20
➖
HUSSEY, Philippa Lee resigned
director
2025-06-20
➖
PENGELLEY, Gerald Simon Horatio resigned
director
2025-06-20
➖
STERN, Casey resigned
director
2025-04-14
📄
accounts-with-accounts-type-group
accounts · AA
2025-03-14
➕
MCLAREN, Kim appointed
director
2024-11-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-10-04
➕
DINES, Alison Victoria appointed
director
2024-09-17
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-09-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-08-16
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-08-01
➕
RICHARDSON, Peter Neville appointed
director
2024-06-19
📄
accounts-with-accounts-type-group
accounts · AA
2023-11-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-09-07
➕
GILMOUR, Paul Richard appointed
director
2023-07-10
➖
PASHLEY-CRAWFORD, Glenys resigned
director
2023-03-10
➕
PASHLEY-CRAWFORD, Glenys appointed
director
2022-12-31
➖
EVERETT, Rebecca Oona resigned
director
2022-08-23
🔓
Charge satisfied #9
2022-08-23
🔓
Charge satisfied #8
2022-08-23
🔓
Charge satisfied #7
2022-08-23
🔓
Charge satisfied #6
2022-08-23
🔓
Charge satisfied #5
2022-08-23
🔓
Charge satisfied #4
2022-08-23
🔓
Charge satisfied #3
2022-06-24
➕
STERN, Casey appointed
director
2022-05-31
🔒
Charge registered #12
Lender: Barclays Bank PLC
2022-05-31
🔒
Charge registered #11
Lender: Barclays Bank PLC
2022-02-01
➕
RUTHERFORD, Alistair appointed
director
2022-01-05
🔒
Charge registered #10
Lender: Barclays Bank PLC

Showing most recent 50 of 207 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 65 — succession pressure is live.

Succession & seller-readiness

50/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.

Red flags

2 med ·

6 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: HUSSEY, Philippa Lee resigned 2025-06-20; MACK, Emma Louise Watson resigned 2025-10-03; MCLAREN, Kim resigned 2026-03-08

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 · EH postcode area

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ASMAS EDUCATIONS LTD→ SC873877 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ASTEX LIMITED→ SC390304 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
AT THE ROOT ARTS CIC→ SC828060 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ATLANTIAN SECURITY LTD.→ SC838973 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
AUSUK CONSULTING LIMITED→ SC794754 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
AZILO TRAINING LIMITED→ SC465552 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
BAD BOY BARBER LTD→ SC738118 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
BEINN LOCH LTD→ SC854449 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BEST TRAINING SOLUTIONS (SCOTLAND) LIMITED→ SC687111 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
BETTER SURGERY LTD→ SC849282 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BG SATURDAY SCHOOL ABV LTD→ SC820385 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
BIG HEART, LITTLE MINDS C.I.C.→ SC756652 · 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

Incorporated1976-03-01

Jurisdictionscotland

Primary SIC85100 — Pre-primary education

Registered office

Loretto School

Linkfield Road

Musselburgh

East Lothian

EH21 7RE

Filing status

Accounts

Next due: 2027-05-31

Last made up to: 2025-08-31

Confirmation statement

Next due: 2027-01-24

Last: 2026-01-10