AOEC TRUST LIMITED
🌳Matureactive
SC405625 · private-limited-guarant-nsc · incorporated 2011-08-18
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 12.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Primary education
Sector: Education
ALSO REGISTERED FOR
- 85590Other education n.e.c.
Investor take
PursueActive trading company with a 84-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (73/100, director aged 84). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
3 live charges · oldest 12.3y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 12.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 23/100 — clean.
Data confidence
Overall: low (53/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
13 officers (6 active, 13 linked, 13 with DOB)
90
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
12 connected companies via shared directors
81
Filing history
54 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 officers
Last 180 days
1
filing
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (45 events)Click to expand
- 2026-02-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-16➖BRUCE, George David Miller resigneddirector
- 2025-05-29📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-07📄accounts-with-accounts-type-fullaccounts · AA
- 2025-04-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-22🔓Charge satisfied #3
- 2025-04-22🔓Charge satisfied #2
- 2025-04-22🔓Charge satisfied #1
- 2024-08-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-08-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-31➕HART, Karen Ann appointeddirector
- 2024-07-31➖SPRINGALL, Monica resigneddirector
- 2024-05-03📄accounts-with-accounts-type-fullaccounts · AA
- 2024-01-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-01-01➖SIM, James resigneddirector
- 2023-12-11➕HALL, Richard Stephen appointeddirector
- 2023-12-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-08-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-08-25➖TUCKETT, Malcolm John resigneddirector
- 2023-05-03📄accounts-with-accounts-type-fullaccounts · AA
- 2022-05-04📄accounts-with-accounts-type-fullaccounts · AA
- 2021-04-28📄accounts-with-accounts-type-fullaccounts · AA
- 2020-07-31📄accounts-with-accounts-type-fullaccounts · AA
- 2019-04-29📄accounts-with-accounts-type-fullaccounts · AA
- 2018-10-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-10-01➕BAIN, Elizabeth Blyth appointeddirector
- 2018-01-01➖EVANS, Elizabeth Margaret Ruth resigneddirector
- 2017-10-30➕LOGIE, Sharon appointeddirector
- 2017-08-22➖MCCOWAN, Fraser Scott resigneddirector
- 2017-06-19➕SPRINGALL, Monica appointeddirector
- 2017-03-23➕FRASER, James Briengan appointeddirector
- 2017-02-24➖THORPE, David Arthur Gordon resigneddirector
- 2015-04-07➕SIM, James appointeddirector
- 2014-01-09🔒Charge registered #3Lender: Social Investment Scotland (Co. No. SC223302)
- 2014-01-09🔒Charge registered #2Lender: Social Investment Scotland (Co. No. SC223302)
- 2014-01-09🔒Charge registered #1Lender: Social Investment Scotland (Co. No. SC223302)
- 2011-09-19➕FOSTER, Jan appointeddirector
- 2011-09-19➕MCCOWAN, Fraser Scott appointeddirector
- 2011-09-19➕TUCKETT, Malcolm John appointeddirector
- 2011-08-18🏢Company incorporatedAs AOEC TRUST LIMITED
- 2011-08-18➕BRUCE, George David Miller appointeddirector
- 2011-08-18➕EVANS, Elizabeth Margaret Ruth appointeddirector
- 2011-08-18➕THORPE, David Arthur Gordon appointeddirector
Owner dependency
55/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 84 — succession pressure is live.
Succession & seller-readiness
73/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 84 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 15 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple 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
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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
Incorporated2011-08-18
Jurisdictionscotland
Primary SIC85200 — Primary education
Registered office
Ardroy Outdoor Education Centre
Lochgoilhead
Cairndow
PA24 8AE
Scotland
Filing status
Accounts
Next due: 2026-04-30
Last made up to: 2024-07-31
Confirmation statement
Next due: 2026-09-01
Last: 2025-08-18
Officers (6 active · 7 resigned)
BAIN, Elizabeth Blyth→
Activedirector · ~84y · appointed 2018-10-01
View their other companies + combined net worth →
Active
FRASER, James Briengan→
Activedirector · ~72y · appointed 2017-03-23
View their other companies + combined net worth →
HALL, Richard Stephen→
Activedirector · ~60y · appointed 2023-12-11
View their other companies + combined net worth →
HART, Karen Ann→
Activedirector · ~63y · appointed 2024-07-31
View their other companies + combined net worth →
LOGIE, Sharon→
Activedirector · ~64y · appointed 2017-10-30
View their other companies + combined net worth →
BRUCE, George David Miller→
Resigneddirector · ~86y · appointed 2011-08-18 · resigned 2026-02-16
EVANS, Elizabeth Margaret Ruth→
Resigneddirector · ~74y · appointed 2011-08-18 · resigned 2018-01-01
MCCOWAN, Fraser Scott→
Resigneddirector · ~64y · appointed 2011-09-19 · resigned 2017-08-22
SIM, James→
Resigneddirector · ~83y · appointed 2015-04-07 · resigned 2024-01-01
SPRINGALL, Monica→
Resigneddirector · ~58y · appointed 2017-06-19 · resigned 2024-07-31
THORPE, David Arthur Gordon→
Resigneddirector · ~71y · appointed 2011-08-18 · resigned 2017-02-24
TUCKETT, Malcolm John→
Resigneddirector · ~73y · appointed 2011-09-19 · resigned 2023-08-25
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Social Investment Scotland (Co. No. SC223302) | A registered charge | 7 properties | 09/01/2014 | 22/04/2025 | |
| satisfied | Social Investment Scotland (Co. No. SC223302) | A registered charge | 8 properties | 09/01/2014 | 22/04/2025 | |
| satisfied | Social Investment Scotland (Co. No. SC223302) | A registered charge | 11 properties | 09/01/2014 | 22/04/2025 |
Recent filings (54 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-02-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-19
change-person-director-company-with-change-date
officers · CH01
2025-05-29
accounts-with-accounts-type-full
accounts · AA
2025-05-07
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-22
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-22
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-29
appoint-person-director-company-with-name-date
officers · AP01
2024-08-08
termination-director-company-with-name-termination-date
officers · TM01
2024-08-07
accounts-with-accounts-type-full
accounts · AA
2024-05-03
termination-director-company-with-name-termination-date
officers · TM01
2024-01-08
appoint-person-director-company-with-name-date
officers · AP01
2023-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-28
termination-director-company-with-name-termination-date
officers · TM01
2023-08-28