EMPLOYMENT CULTURAL AND COMMUNITY TRUST LIMITED

🌳Matureactive
SC100851 · private-limited-guarant-nsc · incorporated 1986-09-11
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 33.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pursue
Active trading company with a 77-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (63/100, director aged 77). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 33.9y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 33.9 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 20/100 — clean.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
38 officers (4 active, 38 linked, 32 with DOB)
87
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
148 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees00

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (75 events)Click to expand
  1. 2025-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-12-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-10-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  4. 2024-10-01
    ➕
    RUSSELL, Rachel Elizabeth Myles appointed
    director
  5. 2023-12-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2023-10-10
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  7. 2023-09-30
    ➖
    CCW SECRETARIES LIMITED resigned
    corporate-secretary
  8. 2023-01-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2022-09-30
    📄
    change-corporate-secretary-company-with-change-date
    officers · CH04
  10. 2022-03-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2021-09-27
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2021-01-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-08-28
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2019-08-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2019-07-25
    ➕
    MARTIN, Jennifer Elizabeth appointed
    director
  16. 2019-01-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2017-12-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2016-08-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2016-04-05
    ➖
    GRIEVE, Alexander Raeburn resigned
    director
  20. 2011-09-26
    ➕
    GRIEVE, Alexander Raeburn appointed
    director
  21. 2011-09-25
    ➖
    GRIEVE, Alexander Raeburn resigned
    director
  22. 2001-02-23
    ➖
    DEWAR, David Duncan resigned
    director
  23. 2001-02-23
    ➖
    MACCALLUM, James Richard resigned
    director
  24. 2001-02-23
    ➖
    NICOLL, William James resigned
    director
  25. 2001-02-23
    ➖
    RISK, Colin Mclean resigned
    director
  26. 1998-11-09
    ➕
    CCW SECRETARIES LIMITED appointed
    corporate-secretary
  27. 1998-11-09
    ➖
    PAGAN MACBETH resigned
    corporate-secretary
  28. 1997-11-05
    ➖
    DUNSMORE, Mary Davidson resigned
    director
  29. 1996-10-30
    ➖
    SNEDDON, Clive Roderick, Dr. resigned
    director
  30. 1995-12-06
    ➖
    GAVIN, John Bernard resigned
    director
  31. 1995-12-06
    ➕
    MACCALLUM, James Richard appointed
    director
  32. 1995-12-06
    ➕
    NICOLL, William James appointed
    director
  33. 1995-12-06
    ➖
    RIPPIN, Robin Anthony resigned
    director
  34. 1995-01-31
    ➖
    WRIGHT, Heather May resigned
    director
  35. 1994-03-29
    ➕
    PAGAN MACBETH appointed
    corporate-secretary
  36. 1994-03-29
    ➖
    PAGAN OSBORNE GRACE & CALDERS resigned
    corporate-nominee-secretary
  37. 1994-03-14
    🔓
    Charge satisfied #2
  38. 1993-12-20
    ➖
    WHYTE, William resigned
    director
  39. 1993-12-20
    ➕
    WRIGHT, Heather May appointed
    director
  40. 1993-09-29
    ➖
    KING, Eric Thomson Inglis resigned
    director
  41. 1992-09-29
    ➖
    CUTHILL, William James resigned
    director
  42. 1992-09-29
    ➕
    DEWAR, David Duncan appointed
    director
  43. 1992-09-29
    ➕
    GRIEVE, Alexander Raeburn appointed
    director
  44. 1992-09-29
    ➖
    MITCHELL, Norman resigned
    director
  45. 1992-09-29
    ➖
    RAE, Samuel Irvine resigned
    director
  46. 1992-09-29
    ➕
    RISK, Colin Mclean appointed
    director
  47. 1992-07-06
    ➖
    SHEPHERD, Thomas Maurice resigned
    director
  48. 1992-06-29
    🔒
    Charge registered #2
    Lender: North East Fife District Council
  49. 1992-04-30
    ➖
    BRODIE, Michael Robert resigned
    director
  50. 1991-10-28
    ➖
    BARR, Robert Douglas resigned
    director
Showing most recent 50 of 75 events

Owner dependency

65/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 36 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 77 — succession pressure is live.

Succession & seller-readiness

80/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 36 years. Very long tenure is a classic succession signal.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
John Bernard Clarke
Individual · British · DOB 04/1955 · age 71
—25–50%25-50% voting06/04/2016
Mr James Stuart Mcarthur
Individual · British · DOB 08/1949 · age 77
—25–50%25-50% voting06/04/2016

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 →

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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.

See pricing →

Company details

Statusactive
Typeprivate-limited-guarant-nsc
Incorporated1986-09-11
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

F2.1 The Granary Business Centre
Cupar
Fife
KY15 5YQ
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-11
Last: 2025-09-27

Officers (4 active · 34 resigned)

CLARKE, John Bernard→
nominee-director · ~71y · appointed 1990-09-14
View their other companies + combined net worth →
Active
MARTIN, Jennifer Elizabeth→
director · ~62y · appointed 2019-07-25
View their other companies + combined net worth →
Active
MCARTHUR, James Stuart→
director · ~77y · appointed 1991-01-28
View their other companies + combined net worth →
Active
RUSSELL, Rachel Elizabeth Myles→
director · ~37y · appointed 2024-10-01
View their other companies + combined net worth →
Active
CCW SECRETARIES LIMITED→
corporate-secretary · appointed 1998-11-09 · resigned 2023-09-30
Resigned
PAGAN MACBETH→
corporate-secretary · appointed 1994-03-29 · resigned 1998-11-09
Resigned
PAGAN OSBORNE GRACE & CALDERS→
corporate-nominee-secretary · resigned 1994-03-29
Resigned
BARR, Robert Douglas→
director · ~78y · appointed 1989-12-16 · resigned 1991-10-28
Resigned
BRODIE, Michael Robert→
director · ~80y · appointed 1989-09-04 · resigned 1992-04-30
Resigned
CUTHILL, William James→
director · ~89y · appointed 1989-09-04 · resigned 1992-09-29
Resigned
DEWAR, David Duncan→
director · ~78y · appointed 1992-09-29 · resigned 2001-02-23
Resigned
DOCHARD, Alistair John→
director · ~91y · resigned 1990-09-13
Resigned
DOWNIE, John Ian→
director · resigned 1991-02-01
Resigned
DUNCAN, Iain James Young→
director · ~84y · resigned 1990-09-13
Resigned
DUNSMORE, Mary Davidson→
director · ~91y · appointed 1989-09-04 · resigned 1997-11-05
Resigned
GAVIN, John Bernard→
director · ~72y · resigned 1995-12-06
Resigned
GOULD, James Arthur Frank→
director · ~94y · appointed 1988-11-17 · resigned 1991-09-26
Resigned
GRIEVE, Alexander Raeburn→
director · ~94y · appointed 2011-09-26 · resigned 2016-04-05
Resigned
GRIEVE, Alexander Raeburn→
director · ~94y · appointed 1992-09-29 · resigned 2011-09-25
Resigned
HEGGIE, Donald Cameron→
director · ~85y · resigned 1989-09-04
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
North East Fife District Council
Bond & floating charge1 property29/06/199214/03/1994

Recent filings (148 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-07
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-22
appoint-person-director-company-with-name-date
officers · AP01
2024-10-09
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-10
termination-secretary-company-with-name-termination-date
officers · TM02
2023-10-10
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-30
change-corporate-secretary-company-with-change-date
officers · CH04
2022-09-30
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-11
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-09-27
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-05