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 19.0y 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 19.0y

65/100

clean up first

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

· Oldest live charge is 19.0 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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

14 officers (5 active, 14 linked, 7 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

Network not yet resolved

Filing history

82 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

filing

• 1 accounts

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (41 events)Click to expand

2026-04-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-24
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-06-17
➕
MCGARVA, Anne appointed
director
2024-04-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-24
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-09-29
➖
SANDERSON, Josephine Anne resigned
director
2023-03-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-31
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-01-29
📄
change-person-secretary-company-with-change-date
officers · CH03
2022-01-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-01-28
➕
CARMICHAEL, Gordon Andrew appointed
director
2022-01-28
➕
SANDERSON, Josephine Anne appointed
director
2021-06-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-02-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-11-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-06-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2018-05-31
➕
SHAW, Margaret appointed
director
2018-01-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-11-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2015-11-10
➖
MITCHELL, Nicholas resigned
director
2012-02-28
➕
MITCHELL, Nicholas appointed
director
2010-08-16
➕
CARMICHAEL, Gordon appointed
secretary
2010-08-16
➖
SIRISENA, Nirosha resigned
secretary
2009-02-01
➖
BOWMAN, Margaret resigned
secretary
2009-02-01
➕
SIRISENA, Nirosha appointed
secretary
2007-04-10
🔒
Charge registered #1
Lender: Sis (Community Finance) Limited
2006-08-31
➖
SNEIDER, Sylvia resigned
secretary
2006-07-03
➕
BOWMAN, Margaret appointed
secretary
2001-11-26
➕
SNEIDER, Sylvia appointed
secretary
2001-11-03
➖
WATKINS, Clarice resigned
secretary
1997-04-05
➖
CUMMING, Jean Stokes resigned
secretary
1997-04-05
➕
WATKINS, Clarice appointed
secretary
1997-04-05
➖
GRAHAM, Gail resigned
director
1996-06-04
🏢
Company incorporated
As CRISIS
1996-06-04
➕
CUMMING, Jean Stokes appointed
director
1996-06-04
➕
CUMMING, Jean Stokes appointed
secretary
1996-06-04
➕
GRAHAM, Gail appointed
director
1996-06-04
➕
FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED appointed
corporate-nominee-director
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

Name	Shares	Voting rights	Nature of control	Notified
Mrs Jean Stokes Cumming Individual · British · DOB 10/1949 · age 77	—	—	board controlboard control · trust interest · firm interest	06/04/2016

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

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	Sis (Community Finance) Sis (Community Finance) Limited	Standard security	1 property	10/04/2007	—

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