THE RUBY TRUST

🌳Matureactive
SC231679 · private-limited-guarant-nsc-limited-exemption · incorporated 2002-05-17
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 19.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£28.2k
book net assets
Opportunity
83/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Other residential care activities n.e.c.
Sector: Human health & social work
Investor take
Pursue
Active trading company with a 72-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 72). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · oldest 19.6y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 19.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (64/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
15 officers (5 active, 15 linked, 10 with DOB)
83
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
2 connected companies via shared directors
51
Filing history
83 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.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £28,207

Key financials

1 year extracted from filed iXBRL accounts
Cash
£28k
Net Worth
£28k
Current Assets
£28k
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-09-30
Total assets£28.2k
Current assets£28.2k
Cash£28.1k
Debtors£96
Net assets£28.2k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

3 signals 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
0
filings
Counts from Companies House filing history.
Corporate timeline (44 events)Click to expand
  1. 2025-05-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-02-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-01-29
    ➕
    MCGHEE, Thomas David appointed
    secretary
  4. 2024-01-29
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  5. 2023-11-22
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  6. 2023-09-22
    ➖
    MCQUEEN, Margaret Louisa resigned
    secretary
  7. 2023-04-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-03-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-07-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2021-05-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-05-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-03-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-03-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-06-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2016-06-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2016-06-14
    📄
    annual-return-company-with-made-up-date-no-member-list
    annual-return · AR01
  17. 2016-06-14
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  18. 2016-06-14
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  19. 2016-06-03
    ➖
    CAMERON, Ian resigned
    secretary
  20. 2016-06-03
    ➕
    MCQUEEN, Margaret Louisa appointed
    secretary
  21. 2013-04-04
    ➕
    CAMERON, Ian appointed
    secretary
  22. 2013-04-04
    ➖
    MCCANN, Rebecca resigned
    secretary
  23. 2011-05-18
    ➖
    MCMURRAY, Samuel John Moag resigned
    secretary
  24. 2010-08-31
    ➕
    GRAY, Heather Margaret appointed
    director
  25. 2010-07-06
    ➕
    MILLER, James Hunter appointed
    director
  26. 2010-06-29
    ➕
    CLARK, Stephen John appointed
    director
  27. 2010-03-17
    ➖
    MCCAFFREY, Edward resigned
    director
  28. 2009-11-10
    ➖
    MCMURRAY, Samuel John Moag resigned
    director
  29. 2008-03-26
    ➕
    MCMURRAY, Samuel John Moag appointed
    secretary
  30. 2008-03-26
    ➕
    MCCAFFREY, Edward appointed
    director
  31. 2008-03-26
    ➖
    MCCANN, Rebecca resigned
    director
  32. 2008-03-26
    ➖
    MCGHEE, Morag Anne resigned
    director
  33. 2008-03-26
    ➕
    MCMURRAY, Samuel John Moag appointed
    director
  34. 2007-03-06
    ➕
    MCGHEE, Morag Anne appointed
    director
  35. 2007-03-06
    ➖
    TELFORD, James Mackie resigned
    director
  36. 2006-11-16
    🔒
    Charge registered #2
    Lender: Aib Group (UK) PLC
  37. 2006-10-10
    🔒
    Charge registered #1
    Lender: Aib Group (UK) PLC
  38. 2004-01-19
    ➖
    COSH, William resigned
    director
  39. 2002-05-17
    🏢
    Company incorporated
    As THE RUBY TRUST
  40. 2002-05-17
    ➕
    MCGHEE, Thomas David appointed
    director
  41. 2002-05-17
    ➕
    MCCANN, Rebecca appointed
    secretary
  42. 2002-05-17
    ➕
    COSH, William appointed
    director
  43. 2002-05-17
    ➕
    MCCANN, Rebecca appointed
    director
  44. 2002-05-17
    ➕
    TELFORD, James Mackie appointed
    director

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 24 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 72 — 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 72 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 24 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.)
🔒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 · Healthcare & medical · PA postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
ARGYLL AND BUTE CARE AND REPAIR→
SC221948 · est 2001
———1324y8381y
CRISIS→
SC166079 · est 1996 · no financials extracted
————29y8383y
MID ARGYLL YOUTH DEVELOPMENT SERVICES→
SC396832 · est 2011 · no financials extracted
————15y8374y
THE HAVEN KILMACOLM→
SC252971 · est 2003
——£639.0k—22y8379y
ABBEY LABORATORY LIMITED→
SC227760 · est 2002
——£5.0k—24y8261y
ABDUL HALEEM LIMITED→
SC343438 · est 2008
——£1.68M—17y8259y
ARGYLL HOMECARE LIMITED→
SC275774 · est 2004
———230021y8259y
COMPLETE DENTISTRY LIMITED→
SC343834 · est 2008
——£244.7k—17y8259y
RAM 211 LIMITED→
SC384523 · est 2010
———2115y8268y
CATCH SCOTLAND LTD→
SC386586 · est 2010
——£345.6k—15y8182y
CROSSROADS (NORTH ARGYLL) CARE ATTENDANT SCHEME→
SC231988 · est 2002 · no financials extracted
————24y8183y
CURAM THIRIODH→
SC397576 · est 2011 · no financials extracted
————15y8177y
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-limited-exemption
Incorporated2002-05-17
Jurisdictionscotland
Primary SIC87900 — Other residential care activities n.e.c.

Registered office

Trojan House
Phoenix Business Park
Paisley
PA1 2BH
Scotland

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-05-31
Last: 2025-05-17

Officers (5 active · 10 resigned)

MCGHEE, Thomas David→
secretary · appointed 2024-01-29
View their other companies + combined net worth →
Active
CLARK, Stephen John→
director · ~72y · appointed 2010-06-29
View their other companies + combined net worth →
Active
GRAY, Heather Margaret→
director · ~59y · appointed 2010-08-31
View their other companies + combined net worth →
Active
MCGHEE, Thomas David→
director · ~71y · appointed 2002-05-17
View their other companies + combined net worth →
Active
MILLER, James Hunter→
director · ~70y · appointed 2010-07-06
View their other companies + combined net worth →
Active
CAMERON, Ian→
secretary · appointed 2013-04-04 · resigned 2016-06-03
Resigned
MCCANN, Rebecca→
secretary · appointed 2002-05-17 · resigned 2013-04-04
Resigned
MCMURRAY, Samuel John Moag→
secretary · appointed 2008-03-26 · resigned 2011-05-18
Resigned
MCQUEEN, Margaret Louisa→
secretary · appointed 2016-06-03 · resigned 2023-09-22
Resigned
COSH, William→
director · ~71y · appointed 2002-05-17 · resigned 2004-01-19
Resigned
MCCAFFREY, Edward→
director · ~66y · appointed 2008-03-26 · resigned 2010-03-17
Resigned
MCCANN, Rebecca→
director · ~64y · appointed 2002-05-17 · resigned 2008-03-26
Resigned
MCGHEE, Morag Anne→
director · ~60y · appointed 2007-03-06 · resigned 2008-03-26
Resigned
MCMURRAY, Samuel John Moag→
director · ~72y · appointed 2008-03-26 · resigned 2009-11-10
Resigned
TELFORD, James Mackie→
director · ~71y · appointed 2002-05-17 · resigned 2007-03-06
Resigned

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Standard security1 property16/11/2006—
outstanding
Aib Group (UK)
Aib Group (UK) PLC
Floating charge1 property10/10/2006—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (83 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-19
appoint-person-secretary-company-with-name-date
officers · AP03
2024-01-29
termination-secretary-company-with-name-termination-date
officers · TM02
2023-11-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-07-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-26