SLEAT COMMUNITY TRUST
Opportunity 67/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 76). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
8 live charges · 5 lenders · oldest 18.3y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 18.3 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 38/100 — workable, but lender will want more DD.
Data confidence
Overall: low (47/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 3 officers
- • 3 officers
- • 1 accounts
Corporate timeline (179 events)Click to expand
- 2026-01-30📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-01-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-22➕LOCKLEY, Sophia Rose appointeddirector
- 2026-01-22➖HOWARTH, Ciorstan May resigneddirector
- 2026-01-22➖STOKES, Ade resigneddirector
- 2025-12-24📄accounts-with-accounts-type-groupaccounts · AA
- 2025-07-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-07-09📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-30➕MUNRO, Gillian appointeddirector
- 2025-03-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-27➕HOWARTH, Ciorstan May appointeddirector
- 2025-01-23➕MACDONALD, Donald appointeddirector
- 2025-01-23➕MACDONALD, John Morrison appointeddirector
- 2025-01-23➕MACINNES, Duncan appointeddirector
- 2025-01-23➖MACLEAN, Mary Flora Macdonald resigneddirector
- 2025-01-23➖MACLENNAN, Domhnall Angaidh resigneddirector
- 2025-01-23➖MORRISON, Ruairidh resigneddirector
- 2025-01-23➖PENDLEBURY, Christopher John resigneddirector
- 2025-01-06📄accounts-with-accounts-type-groupaccounts · AA
- 2024-12-18📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-12-16➕MACLEOD, Myrielle Christine appointedsecretary
- 2024-12-11📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-12-11🔓Charge satisfied #8
- 2024-12-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-12-10🔓Charge satisfied #6
- 2024-04-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-03-31➖MACGILLIVRAY, Martin John resigneddirector
- 2024-03-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-02-28➖NOLLENT, Carol Andrea, Professor resigneddirector
- 2024-02-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-09🔓Charge satisfied #5
- 2024-02-09🔓Charge satisfied #4
- 2024-01-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-25🔓Charge satisfied #3
- 2023-12-11➕MCKAY, Patrick Neil appointeddirector
- 2023-12-11➕WILLIAMSON, Andrew, Dr. appointeddirector
- 2023-12-11➕PENDLEBURY, Christopher John appointeddirector
- 2023-12-11➕STOKES, Ade appointeddirector
- 2023-11-22➖MACINNES, Jean resigneddirector
- 2023-11-22➖MACINNES, John Duncan resigneddirector
- 2023-07-24➖HESS, Sarah Claire resignedsecretary
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -10 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 76 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
Red flags
1 high · 2 med ·Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-03-15
Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: HOWARTH, Ciorstan May resigned 2026-01-22; STOKES, Ade resigned 2026-01-22
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
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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 →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
Registered office
Filing status
Officers (11 active · 64 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | The Highland Council | A registered charge | 1 property | 02/09/2020 | 11/12/2024 | |
| satisfied | The Highland Council | A registered charge | 1 property | 29/02/2020 | 10/09/2020 | |
| satisfied | Sis (Community Finance) Sis (Community Finance) Limited | A registered charge | — | 10/04/2019 | 10/12/2024 | |
| satisfied | Sis (Community Finance) Sis (Community Finance) Limited | A registered charge | 5 properties | 02/04/2019 | 09/02/2024 | |
| satisfied | Social Investment Scotland | Standard security | 1 property | 08/06/2011 | 09/02/2024 | |
| satisfied | Triodos Bank Nv | Standard security | 1 property | 06/06/2011 | 25/01/2024 | |
| satisfied | Social Investment Scotland | Bond & floating charge | 1 property | 31/05/2011 | 11/04/2019 | |
| satisfied | Big Lottery Fund | Standard security | 1 property | 22/01/2008 | 02/03/2020 |