CRISIS

🌳Matureactive
SC166079 · private-limited-guarant-nsc-limited-exemption · incorporated 1996-06-04
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 19.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Other human health activities
Sector: Human health & social work
Investor take
Pursue
Active trading company with a 83-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 83). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 19.1y

65/100
clean up first

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

  • · Oldest live charge is 19.1 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: low (54/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
14 officers (5 active, 14 linked, 7 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
82 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.

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (41 events)Click to expand
  1. 2026-04-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-06-24
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  4. 2024-06-17
    ➕
    MCGARVA, Anne appointed
    director
  5. 2024-04-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-11-24
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2023-09-29
    ➖
    SANDERSON, Josephine Anne resigned
    director
  8. 2023-03-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-03-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-01-31
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2022-01-29
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  12. 2022-01-29
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2022-01-28
    ➕
    CARMICHAEL, Gordon Andrew appointed
    director
  14. 2022-01-28
    ➕
    SANDERSON, Josephine Anne appointed
    director
  15. 2021-06-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2020-02-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2018-11-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2018-06-05
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2018-05-31
    ➕
    SHAW, Margaret appointed
    director
  20. 2018-01-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2016-11-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2015-11-10
    ➖
    MITCHELL, Nicholas resigned
    director
  23. 2012-02-28
    ➕
    MITCHELL, Nicholas appointed
    director
  24. 2010-08-16
    ➕
    CARMICHAEL, Gordon appointed
    secretary
  25. 2010-08-16
    ➖
    SIRISENA, Nirosha resigned
    secretary
  26. 2009-02-01
    ➖
    BOWMAN, Margaret resigned
    secretary
  27. 2009-02-01
    ➕
    SIRISENA, Nirosha appointed
    secretary
  28. 2007-04-10
    🔒
    Charge registered #1
    Lender: Sis (Community Finance) Limited
  29. 2006-08-31
    ➖
    SNEIDER, Sylvia resigned
    secretary
  30. 2006-07-03
    ➕
    BOWMAN, Margaret appointed
    secretary
  31. 2001-11-26
    ➕
    SNEIDER, Sylvia appointed
    secretary
  32. 2001-11-03
    ➖
    WATKINS, Clarice resigned
    secretary
  33. 1997-04-05
    ➖
    CUMMING, Jean Stokes resigned
    secretary
  34. 1997-04-05
    ➕
    WATKINS, Clarice appointed
    secretary
  35. 1997-04-05
    ➖
    GRAHAM, Gail resigned
    director
  36. 1996-06-04
    🏢
    Company incorporated
    As CRISIS
  37. 1996-06-04
    ➕
    CUMMING, Jean Stokes appointed
    director
  38. 1996-06-04
    ➕
    CUMMING, Jean Stokes appointed
    secretary
  39. 1996-06-04
    ➕
    GRAHAM, Gail appointed
    director
  40. 1996-06-04
    ➕
    FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED appointed
    corporate-nominee-director
  41. 1996-06-04
    ➖
    FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED resigned
    corporate-nominee-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 30 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 83 — 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 83 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 30 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mrs Jean Stokes Cumming
Individual · British · DOB 10/1949 · age 77
——board controlboard control · trust interest · firm interest06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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-limited-exemption
Incorporated1996-06-04
Jurisdictionscotland
Primary SIC86900 — Other human health activities

Registered office

Riverside House
Old Ferry Road
Erskine
Renfrewshire
PA8 6AX

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-06-28
Last: 2025-06-14

Officers (5 active · 9 resigned)

CARMICHAEL, Gordon→
secretary · appointed 2010-08-16
View their other companies + combined net worth →
Active
CARMICHAEL, Gordon Andrew→
director · ~69y · appointed 2022-01-28
View their other companies + combined net worth →
Active
CUMMING, Jean Stokes→
director · ~77y · appointed 1996-06-04
View their other companies + combined net worth →
Active
MCGARVA, Anne→
director · ~65y · appointed 2024-06-17
View their other companies + combined net worth →
Active
SHAW, Margaret→
director · ~83y · appointed 2018-05-31
View their other companies + combined net worth →
Active
BOWMAN, Margaret→
secretary · appointed 2006-07-03 · resigned 2009-02-01
Resigned
CUMMING, Jean Stokes→
secretary · appointed 1996-06-04 · resigned 1997-04-05
Resigned
SIRISENA, Nirosha→
secretary · appointed 2009-02-01 · resigned 2010-08-16
Resigned
SNEIDER, Sylvia→
secretary · appointed 2001-11-26 · resigned 2006-08-31
Resigned
WATKINS, Clarice→
secretary · appointed 1997-04-05 · resigned 2001-11-03
Resigned
GRAHAM, Gail→
director · ~64y · appointed 1996-06-04 · resigned 1997-04-05
Resigned
MITCHELL, Nicholas→
director · ~80y · appointed 2012-02-28 · resigned 2015-11-10
Resigned
SANDERSON, Josephine Anne→
director · ~75y · appointed 2022-01-28 · resigned 2023-09-29
Resigned
FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED→
corporate-nominee-director · appointed 1996-06-04 · resigned 1996-06-04
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Sis (Community Finance)
Sis (Community Finance) Limited
Standard security1 property10/04/2007—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (82 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-01
appoint-person-director-company-with-name-date
officers · AP01
2024-06-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-01
termination-director-company-with-name-termination-date
officers · TM01
2023-11-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-30
appoint-person-director-company-with-name-date
officers · AP01
2022-01-31
change-person-secretary-company-with-change-date
officers · CH03
2022-01-29
appoint-person-director-company-with-name-date
officers · AP01
2022-01-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-24