CAMPHILL CENTRAL SCOTLAND TRUST LIMITED
🌳Matureactive
SC145366 · private-limited-guarant-nsc · incorporated 1993-07-09
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: General secondary education
Sector: Education
ALSO REGISTERED FOR
- 88990Other social work activities without accommodation n.e.c.
Investor take
PursueActive trading company with a 81-year-old founder — textbook succession opportunity.
Opportunity 76/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 81). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
11 live charges · 5 lenders · oldest 32.2y
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 32.2 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: low (52/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
11 charges (11/11 with lender, 11/11 with type)
90
Directors & officers
38 officers (8 active, 38 linked, 35 with DOB)
88
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
10 connected companies via shared directors
75
Filing history
158 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
85
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (102 events)Click to expand
- 2026-04-16📄accounts-with-accounts-type-fullaccounts · AA
- 2025-05-07📄accounts-with-accounts-type-fullaccounts · AA
- 2025-04-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-05➖MILLER, Alyson Paterson resigneddirector
- 2024-04-24📄accounts-with-accounts-type-smallaccounts · AA
- 2023-05-02📄accounts-with-accounts-type-smallaccounts · AA
- 2023-03-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-07-21➕MILLER, Alyson Paterson appointeddirector
- 2022-04-29📄accounts-with-accounts-type-smallaccounts · AA
- 2022-04-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-04-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-04-19➖CROMARTY, Judith Ann resigneddirector
- 2022-01-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-01-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-12-20➕VENTERS, Gordon George Cornet appointeddirector
- 2021-09-20➖BELL, George Blayney resigneddirector
- 2021-07-07📄memorandum-articlesincorporation · MA
- 2021-07-07📄resolutionresolution · RESOLUTIONS
- 2021-06-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-06-17➕PLUNKETT, Jon appointeddirector
- 2021-05-04📄accounts-with-accounts-type-smallaccounts · AA
- 2021-04-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-04-09➖POOLER, Colum resigneddirector
- 2021-03-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-03-01➕WRAY, Laura Mackinnon Stewart appointeddirector
- 2021-03-01➕CROMARTY, Judith Ann appointeddirector
- 2021-03-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-03-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-06-30➖PROVAN, Stuart resigneddirector
- 2018-02-05➕POOLER, Colum appointeddirector
- 2018-02-05➕PROVAN, Stuart appointeddirector
- 2017-08-16➖NICHOLSON, David George resigneddirector
- 2017-03-21➖GRAY, Scott Grant resigneddirector
- 2014-04-14🔒Charge registered #13Lender: Svenska Handelsbanken Ab (Publ)
- 2014-04-07🔒Charge registered #12Lender: Katrina Turner as Trustee of the Andrew Salvesen Charitable Trust (SC008000)
- 2014-02-12🔒Charge registered #11Lender: Svenska Handelsbanken Ab (Publ)
- 2013-09-04🔓Charge satisfied #5
- 2013-09-04🔓Charge satisfied #4
- 2013-09-04🔓Charge satisfied #3
- 2013-08-27➕BELL, George Blayney appointeddirector
- 2013-08-13🔒Charge registered #10Lender: Svenska Handelsbanken Ab (Publ)
- 2013-08-07🔒Charge registered #8Lender: Svenska Handelsbanken Ab (Publ)
- 2013-08-06🔒Charge registered #9Lender: Svenska Handelsbanken Ab (Publ)
- 2013-07-31🔒Charge registered #7Lender: Social Investment Scotland
- 2013-07-26🔒Charge registered #6Lender: Svenska Handelsbanken Ab (Publ)
- 2013-06-25➕GRAY, Scott Grant appointeddirector
- 2013-06-25➖SNELGROVE, Margaret Rebecca resigneddirector
- 2011-02-24➕GLASS, Jason David appointeddirector
- 2011-02-24➕NICHOLSON, David George appointeddirector
- 2011-02-22➕LAMOND, Iain William appointeddirector
Showing most recent 50 of 102 events
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -8 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 33 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 81 — succession pressure is live.
Succession & seller-readiness
90/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 33 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 33 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 · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
8 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
🔒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| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CLYDE STRENGTH LTD→ SC873978 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CME INVESTMENTS LIMITED→ SC234534 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| DAKUSFRAN LIMITED→ SC739300 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| DAWN CALLING CIC→ SC791187 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| DIRECT PARTNERS LIMITED→ SC244443 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| DISABILITY EQUALITY SCOTLAND→ SC243392 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| DOUGLAS J. NOBLE LIMITED→ SC247234 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| DRAGON BUSINESS SCHOOL LTD→ SC807303 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| DRG TRAINING CONSULTANCY AND DESIGN LIMITED→ SC683996 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| DRIVE SAFE TO PASS LTD→ SC868054 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DRIVE WITH JANE LTD→ SC752730 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| DRIVE WITH JON LIMITED→ SC791891 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated1993-07-09
Jurisdictionscotland
Primary SIC85310 — General secondary education
Registered office
17-21 East Mayfield
Edinburgh
EH9 1SE
Scotland
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-07-23
Last: 2025-07-09
Officers (8 active · 30 resigned)
CARSON, John Seton Burrell→
Activedirector · ~74y · appointed 2006-12-11
View their other companies + combined net worth →
GLASS, Jason David→
Activedirector · ~57y · appointed 2011-02-24
View their other companies + combined net worth →
LAMOND, Iain William→
Activedirector · ~78y · appointed 2011-02-22
View their other companies + combined net worth →
NICOL, William Andrew→
Activedirector · ~81y · appointed 1993-07-20
View their other companies + combined net worth →
PLUNKETT, Jon→
Activedirector · ~51y · appointed 2021-06-17
View their other companies + combined net worth →
RUPRECHT, Ueli→
Activedirector · ~71y · appointed 1995-11-06
View their other companies + combined net worth →
VENTERS, Gordon George Cornet→
Activedirector · ~71y · appointed 2021-12-20
View their other companies + combined net worth →
WRAY, Laura Mackinnon Stewart→
Activedirector · ~64y · appointed 2021-03-01
View their other companies + combined net worth →
DEWHURST, Janet Philip→
Resignedsecretary · appointed 2007-05-08 · resigned 2010-04-20
KIPPEN CAMPBELL WS→
Resignedcorporate-secretary · appointed 1993-07-09 · resigned 2007-05-08
ALLEN, Joan Deris→
Resigneddirector · ~95y · appointed 1993-09-07 · resigned 1998-04-23
BEATON, Deirdre Anne→
Resigneddirector · ~77y · appointed 2003-07-10 · resigned 2010-07-31
BECKET, Simon→
Resigneddirector · ~70y · appointed 1993-07-20 · resigned 1993-09-07
BELL, George Blayney→
Resigneddirector · ~71y · appointed 2013-08-27 · resigned 2021-09-20
BRUHN, Michael→
Resigneddirector · ~67y · appointed 1994-02-03 · resigned 1998-06-23
CALDERWOOD, Alice Agneta→
Resigneddirector · ~80y · appointed 1993-07-20 · resigned 2000-07-31
CROMARTY, Judith Ann→
Resigneddirector · ~67y · appointed 2021-03-01 · resigned 2022-04-19
GRAY, Scott Grant→
Resigneddirector · ~59y · appointed 2013-06-25 · resigned 2017-03-21
MARTIN, Tony→
Resigneddirector · ~84y · appointed 1993-07-20 · resigned 1996-01-24
MILLER, Alyson Paterson→
Resigneddirector · ~61y · appointed 2022-07-21 · resigned 2025-03-05
Click a director name to see their full track record across all companies.
Mortgages & charges
11
Total charges
8
Outstanding
3
Active lenders
Status:Lender:11 of 11 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 14/04/2014 | — | |
| outstanding | Katrina Turner as Trustee of the Andrew Salvesen Charitable Trust (SC008000) / Vikram Lall as Trustee of the Andrew Salvesen Charitable Trust (SC008000) / Andrew Cameron Salvesen as Trustee of the Andrew Salvesen Charitable Trust (SC008000) | A registered charge | 1 property | 07/04/2014 | — | |
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 12/02/2014 | — | |
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 13/08/2013 | — | |
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 07/08/2013 | — | |
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 06/08/2013 | — | |
| outstanding | Social Investment Scotland | A registered charge | 1 property | 31/07/2013 | — | |
| outstanding | Svenska Handelsbanken Ab (Publ) | A registered charge | 1 property | 26/07/2013 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 13/09/1996 | 04/09/2013 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 27/01/1994 | 04/09/2013 | |
| satisfied | Mercury Provident Mercury Provident PLC | Standard security | 1 property | 27/01/1994 | 04/09/2013 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (158 total)
accounts-with-accounts-type-full
accounts · AA
2026-04-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-15
accounts-with-accounts-type-full
accounts · AA
2025-05-07
termination-director-company-with-name-termination-date
officers · TM01
2025-04-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-11
accounts-with-accounts-type-small
accounts · AA
2024-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-14
accounts-with-accounts-type-small
accounts · AA
2023-05-02
appoint-person-director-company-with-name-date
officers · AP01
2023-03-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-15
accounts-with-accounts-type-small
accounts · AA
2022-04-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-04-28
termination-director-company-with-name-termination-date
officers · TM01
2022-04-21
termination-director-company-with-name-termination-date
officers · TM01
2022-01-12
appoint-person-director-company-with-name-date
officers · AP01
2022-01-10