INVERCLYDE ASSOCIATION FOR MENTAL HEALTH

🌳Matureactive

SC193571 · private-limited-guarant-nsc-limited-exemption · incorporated 1999-02-18

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.

Why now

Window steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 25.4y old — refinance window within 12 months

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒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: Residential care activities for learning difficulties, mental health and substance abuse

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 75/100. 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

2 live charges · 2 lenders · oldest 25.4y

50/100

clean up first

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

· Oldest live charge is 25.4 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: low (49/100)

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

25 officers (6 active, 25 linked, 20 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

1 connected companies via shared directors

Filing history

106 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (65 events)Click to expand

2025-12-16
📄
accounts-with-accounts-type-group
accounts · AA
2025-11-06
➕
LIND, Isabella Elizabeth appointed
director
2025-11-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-12-18
📄
accounts-with-accounts-type-group
accounts · AA
2023-11-08
📄
accounts-with-made-up-date
accounts · AA
2022-10-28
📄
accounts-with-accounts-type-group
accounts · AA
2022-08-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-08-18
➕
COLLINS, Irene appointed
director
2022-07-05
➕
MCCOWAN, Fraser Scott appointed
secretary
2022-07-05
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2022-05-31
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-05-23
➖
MEDINELLI, Elaine resigned
director
2022-05-09
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2022-05-01
➖
MCGRANAGHAN, Diane resigned
secretary
2022-01-27
➖
KELLY, Sylvia resigned
director
2022-01-27
➖
THOMSON, Boyd resigned
director
2022-01-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-01-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-12-13
📄
accounts-with-accounts-type-group
accounts · AA
2021-01-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-01-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2020-12-30
📄
accounts-with-accounts-type-group
accounts · AA
2020-09-01
➕
BOA, Val appointed
director
2020-09-01
➕
FITZPATRICK, Brian appointed
director
2020-01-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-01-17
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2020-01-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-01-16
➕
MCGRANAGHAN, Diane appointed
secretary
2020-01-16
➖
TAIT, Margaret resigned
secretary
2020-01-16
➖
MCGRANAGHAN, Diane resigned
director
2020-01-16
➖
ROGERS, Euphemia resigned
director
2019-07-09
🔒
Charge registered #2
Lender: Big Lottery Fund
2017-02-04
➖
HILL, Robert Maxwell resigned
director
2016-06-17
➖
MCILWEE, Joseph resigned
director
2015-02-26
➖
ROBERTSON, Allan resigned
director
2015-01-01
➕
MEDINELLI, Elaine appointed
director
2013-12-01
➖
THOMSON, Robert resigned
director
2012-10-24
➕
MCILWEE, Joseph appointed
director
2012-06-28
➖
MCDONALD, Elizabeth resigned
director
2012-06-12
➕
MCGRANAGHAN, Diane appointed
director
2012-01-01
➖
MCINTOSH, Angus resigned
director
2011-09-27
➕
THOMSON, Boyd appointed
director
2011-05-03
➕
DYER, John Edward appointed
director
2011-05-03
➕
MCDONALD, Elizabeth appointed
director
2010-04-01
➖
MCCULLY, Mary Isobel resigned
director
2008-10-01
➖
DUNCAN, Jessie resigned
director
2008-01-28
➕
KELLY, Sylvia appointed
director
2008-01-28
➕
ROBERTSON, Allan appointed
director
2007-09-24
➕
HILL, Robert Maxwell appointed
director
2006-12-08
➖
MCKAY, Margaret resigned
director

Showing most recent 50 of 65 events

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

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 83 — succession pressure is live.

Succession & seller-readiness

73/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 83 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

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 →

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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.

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Company details

Statusactive

Typeprivate-limited-guarant-nsc-limited-exemption

Incorporated1999-02-18

Jurisdictionscotland

Primary SIC87200 — Residential care activities for learning difficulties, mental health and substance abuse

Registered office

4 Lower Lynedoch Street

Greenock

Renfrewshire

PA15 4AB

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-02-17

Last: 2026-02-03