TURNING POINT SCOTLAND
🌳Matureactive
SC194639 · private-limited-guarant-nsc-limited-exemption · incorporated 1999-03-25
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.
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
73/100
Strong
What this business does
Primary activity: Other human health activities
Sector: Human health & social work
ALSO REGISTERED FOR
- 87900Other residential care activities n.e.c.
Investor take
PursueActive trading company with a 65-year-old founder — textbook succession opportunity.
Opportunity 73/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 65). Biggest value-creation lever: Consolidate lender relationships. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).
🏦
Refinance opportunity
23 live charges · 9 lenders · oldest 26.3y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 26.3 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Legal-friction score 63/100 (high).
Data confidence
Overall: low (51/100)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
23 charges (23/23 with lender, 23/23 with type)
90
Directors & officers
63 officers (13 active, 63 linked, 62 with DOB)
90
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
6 connected companies via shared directors
63
Filing history
250 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (165 events)Click to expand
- 2025-10-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-24🔓Charge satisfied #17
- 2025-10-24🔓Charge satisfied #16
- 2025-10-24🔓Charge satisfied #15
- 2025-09-22📄accounts-with-accounts-type-groupaccounts · AA
- 2025-04-01📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-19➖SMITH, Louise resigneddirector
- 2024-10-16📄accounts-with-accounts-type-groupaccounts · AA
- 2024-07-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-05-28📄memorandum-articlesincorporation · MA
- 2024-05-28📄resolutionresolution · RESOLUTIONS
- 2024-05-10➕WALKER, Fiona Jane appointeddirector
- 2024-03-28📄change-person-director-company-with-change-dateofficers · CH01
- 2023-10-23📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2023-10-20📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2023-10-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-16🔒Charge registered #23Lender: Bank of Scotland PLC
- 2023-10-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-09🔒Charge registered #22Lender: Lloyds Bank PLC as Lender
- 2023-10-04📄accounts-with-accounts-type-groupaccounts · AA
- 2023-09-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-12➖MCAUSLAN, Paul resigneddirector
- 2023-09-01➕CLOW, Allan James appointeddirector
- 2023-09-01➕HUSBAND, Murray Stuart appointeddirector
- 2023-09-01➕MCLAREN, Alexander Douglas appointeddirector
- 2023-07-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-07-01➖BREWER, Gary William resigneddirector
- 2023-06-29📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-06-29🔓Charge satisfied #18
- 2022-02-01➕THOMSON, Jennifer appointeddirector
- 2022-02-01➕BREWER, Gary William appointeddirector
- 2021-09-07➕CASSIDY, Patricia Anne appointeddirector
- 2021-09-07➕GABBITAS, Peter appointeddirector
- 2021-09-07➕MAZZUCCO, Marc Paul appointeddirector
- 2021-09-07➖MACINTOSH, Robert resigneddirector
- 2021-09-07➖MCELROY, Dorothy resigneddirector
- 2021-09-07➕SMITH, Louise appointeddirector
- 2021-03-08➖JAGPAL, Daradjeet resigneddirector
- 2021-02-16➖SKETT, Emma Jane resigneddirector
- 2019-09-24➖FAZAL, Sheila Elizabeth resigneddirector
- 2019-09-24➖PIKE, Joanne Claire resigneddirector
- 2019-06-18➕COOK, Graeme James appointeddirector
- 2019-06-18➕GIBBS, Kathryn Lorna appointeddirector
- 2019-06-18➕SKETT, Emma Jane appointeddirector
Showing most recent 50 of 165 events
Owner dependency
55/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -12 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
17 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
🔒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
Active · Healthcare & medical · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| OPTICAL EXPRESS LIMITED→ SC161469 · est 1995 | £80.82M £58.19M–£103.45M | — | — | 54900 | 30y | 85 | 58y |
| GP MATTERS LIMITED→ SC424457 · est 2012 | £3.46M £2.49M–£4.43M | — | — | 500 | 14y | 85 | 61y |
| GATE HEALTHCARE LIMITED→ SC106549 · est 1987 | £2.91M £2.09M–£3.72M | — | — | 178 | 38y | 82 | 60y |
| LORIMER CARE HOMES LIMITED→ SC412450 · est 2011 | £2.26M £1.63M–£2.89M | — | — | 0 | 14y | 82 | 60y |
| GLENFAIRN LIMITED→ SC087540 · est 1984 | £1.83M £1.32M–£2.34M | — | — | 84 | 42y | 82 | 60y |
| ASPIRE HOUSING & PERSONAL DEVELOPMENT SERVICES LIMITED→ SC231773 · est 2002 | — | — | £354.7k | — | 24y | 83 | 77y |
| BCERTA LTD.→ SC355831 · est 2009 | — | — | — | — | 17y | 83 | 67y |
| COMMONWEALTH DENTAL PRACTICE LTD.→ SC381148 · est 2010 · no financials extracted | — | — | — | — | 15y | 83 | 58y |
| DAVID LIVINGSTONE INTERNATIONAL LIMITED→ SC118899 · est 1989 | — | — | £150.4k | — | 36y | 83 | 90y |
| DOON CARE LTD.→ SC262088 · est 2004 | — | — | £1.46M | — | 22y | 83 | 87y |
| DUNDONALD HOUSE NURSING HOME LIMITED→ SC296431 · est 2006 | — | — | — | — | 20y | 83 | 64y |
| FORWARD STEPS NURSERY LTD.→ SC235287 · est 2002 | — | — | £59.0k | — | 23y | 83 | 59y |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated1999-03-25
Jurisdictionscotland
Primary SIC86900 — Other human health activities
Registered office
Merchants House
7 West George Street
Glasgow
G2 1BA
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-08
Last: 2026-03-25
Officers (13 active · 50 resigned)
TC YOUNG LLP→
Activecorporate-secretary · appointed 1999-03-25
View their other companies + combined net worth →
BUNCE, Alison→
Activedirector · ~63y · appointed 2018-05-21
View their other companies + combined net worth →
CASSIDY, Patricia Anne→
Activedirector · ~65y · appointed 2021-09-07
View their other companies + combined net worth →
CLOW, Allan James→
Activedirector · ~57y · appointed 2023-09-01
View their other companies + combined net worth →
COOK, Graeme James→
Activedirector · ~57y · appointed 2019-06-18
View their other companies + combined net worth →
GABBITAS, Peter→
Activedirector · ~65y · appointed 2021-09-07
View their other companies + combined net worth →
GIBBS, Kathryn Lorna→
Activedirector · ~59y · appointed 2019-06-18
View their other companies + combined net worth →
HUSBAND, Murray Stuart→
Activedirector · ~50y · appointed 2023-09-01
View their other companies + combined net worth →
MAZZUCCO, Marc Paul→
Activedirector · ~61y · appointed 2021-09-07
View their other companies + combined net worth →
MCLAREN, Alexander Douglas→
Activedirector · ~52y · appointed 2023-09-01
View their other companies + combined net worth →
PLUMMER, Stephen Philip→
Activedirector · ~61y · appointed 2018-05-08
View their other companies + combined net worth →
THOMSON, Jennifer→
Activedirector · ~44y · appointed 2022-02-01
View their other companies + combined net worth →
WALKER, Fiona Jane→
Activedirector · ~52y · appointed 2024-05-10
View their other companies + combined net worth →
ABRAHAM, Estella Emily→
Resigneddirector · ~71y · appointed 2003-05-13 · resigned 2006-09-16
ALEXANDER, Morag→
Resigneddirector · ~83y · appointed 1999-03-25 · resigned 2005-10-13
ALLAN, Callum Macphail→
Resigneddirector · ~84y · appointed 2005-09-14 · resigned 2013-09-17
ARTACHO, Morgane→
Resigneddirector · ~48y · appointed 2009-02-11 · resigned 2011-01-12
BELL, Graham Mcneil→
Resigneddirector · ~72y · appointed 1999-03-25 · resigned 2001-09-19
BOYD, Lesley Jane→
Resigneddirector · ~78y · appointed 1999-03-25 · resigned 2003-08-30
BREWER, Gary William→
Resigneddirector · ~65y · appointed 2022-02-01 · resigned 2023-07-01
Click a director name to see their full track record across all companies.
Mortgages & charges
23
Total charges
17
Outstanding
6
Active lenders
Status:Lender:23 of 23 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 16/10/2023 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC as Lender | A registered charge | 1 property | 09/10/2023 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 01/09/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Bond & floating charge | 1 property | 13/09/2006 | — | |
| outstanding | Renfrewshire Council | Standard security | 1 property | 09/03/2006 | — | |
| satisfied | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 23/02/2006 | 29/06/2023 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 20/02/2006 | 24/10/2025 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 20/02/2006 | 24/10/2025 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 20/02/2006 | 24/10/2025 | |
| outstanding | Lloyds Banking Group Lloyds Tsb Scotland PLC | Standard security | 1 property | 15/02/2006 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 25/02/2005 | — | |
| outstanding | Inverclyde Council | Standard security | 1 property | 10/02/2004 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 23/10/2003 | 22/07/2009 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 25/08/2003 | — | |
| outstanding | Renfrewshire Council | Standard security | 1 property | 05/08/2003 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 25/10/2002 | 04/03/2006 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 04/04/2002 | — | |
| outstanding | The Renfrewshire Council | Standard security | 1 property | 21/03/2002 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 14/02/2002 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 07/01/2002 | — | |
| outstanding | The Scottish Ministers | Standard security | 1 property | 12/12/2001 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 25/04/2001 | — | |
| outstanding | Scottish Homes | Standard security | 1 property | 24/02/2000 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (250 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-08
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-24
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-24
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-24
accounts-with-accounts-type-group
accounts · AA
2025-09-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-01
change-person-director-company-with-change-date
officers · CH01
2025-04-01
termination-director-company-with-name-termination-date
officers · TM01
2024-10-23
accounts-with-accounts-type-group
accounts · AA
2024-10-16
appoint-person-director-company-with-name-date
officers · AP01
2024-07-09
memorandum-articles
incorporation · MA
2024-05-28
resolution
resolution · RESOLUTIONS
2024-05-28
change-person-director-company-with-change-date
officers · CH01
2024-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-27
mortgage-alter-floating-charge-with-number
mortgage · 466(Scot)
2023-10-23