TALKING MATS LTD.

🌳Matureactive

SC399879 · private-limited-guarant-nsc · incorporated 2011-05-19

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

Opportunity decay

approaching window · 12-months

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

· Oldest live charge 13.0y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Aug 2025

Net worth

—

book net assets

Opportunity

78/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Other human health activities

Sector: Human health & social work

Investor take

Pursue

Active trading company with a 75-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 80/100. Strong seller-intent signal (63/100, director aged 75). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 13.0y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 13.0 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 23/100 — clean.

Data confidence

Overall: medium (78/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

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

Directors & officers

9 officers (3 active, 9 linked, 9 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

52 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

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.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-08-31	2024-08-31

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

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 (36 events)Click to expand

2026-04-21
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-29
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-09-23
➖
CLARK, Elizabeth, Dr resigned
director
2025-06-18
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-06-18
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-06-10
➖
BEIRNE, Pauline resigned
director
2025-06-10
➖
MCCOULL, Ian Thomas resigned
director
2024-10-09
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-16
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-24
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-05
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-07-05
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-07-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-03-31
➖
CAMERON, Lois Frances resigned
director
2023-01-26
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-05-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-05-14
➕
BEIRNE, Pauline appointed
director
2022-05-14
➕
CLARK, Elizabeth, Dr appointed
director
2022-03-01
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-03-22
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-03-22
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-02-24
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-20
➖
ABBESS, Eileen resigned
director
2020-10-22
📄
appoint-person-director-company-with-name-date
officers · AP01
2020-10-22
📄
appoint-person-director-company-with-name-date
officers · AP01
2020-04-01
➕
MCANDREW, Kenny appointed
director
2019-09-01
➕
MACKAY, Margo appointed
director
2019-09-01
➖
COBBAN, Raonaid Mary resigned
director
2019-09-01
➕
MCCOULL, Ian Thomas appointed
director
2014-07-04
➕
COBBAN, Raonaid Mary appointed
director
2013-05-07
🔒
Charge registered #1
Lender: Big Issue Invest Limited
2012-01-20
➕
ABBESS, Eileen appointed
director
2011-05-19
🏢
Company incorporated
As TALKING MATS LTD.
2011-05-19
➕
MURPHY, Joan Fairie, Dr appointed
director
2011-05-19
➕
CAMERON, Lois Frances appointed
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

+Founder age: Director aged approximately 75 — 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 75 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 ·

3 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: BEIRNE, Pauline resigned 2025-06-10; CLARK, Elizabeth, Dr resigned 2025-09-23; MCCOULL, Ian Thomas resigned 2025-06-10

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Ms Margo Mackay Individual · British · DOB 10/1967 · age 59	—	—	sig. influencesignificant influence	31/03/2023

1 historic (ceased) PSC

Mrs Lois Frances Cameronceased 31/03/2023· significant influence

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

Similar companies

Active · Healthcare & medical · FK postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
CAMPHILL(BLAIR DRUMMOND)TRUST LIMITED→ SC059206 · est 1976 · no financials extracted	—	—	—	—	50y	83	84y
DUNBLANE KIDS CLUB→ SC176437 · est 1997 · no financials extracted	—	—	—	—	28y	83	70y
RECOVERY SCOTLAND LTD.→ SC155475 · est 1995 · no financials extracted	—	—	—	—	31y	83	76y
ACREWOOD NURSERY LIMITED→ SC231967 · est 2002	—	—	—	1500	23y	82	69y
CARE VISIONS GROUP LIMITED→ SC204261 · est 2000 · no financials extracted	—	—	—	—	26y	82	61y
LITTLE STARS (STIRLING) LIMITED→ SC396870 · est 2011	—	—	£2.25M	—	15y	82	70y
OCHIL EYES LIMITED→ SC376726 · est 2010	—	—	£6.1k	—	16y	82	61y
CENTRAL ADVOCACY PARTNERS→ SC213637 · est 2000 · no financials extracted	—	—	—	—	25y	81	79y
FORTH VALLEY DENTAL CARE LIMITED→ SC227043 · est 2002	—	—	£750	—	24y	81	63y
FRAMEWORK CLINICS LTD→ SC350211 · est 2008	—	—	£1.8k	—	17y	81	63y
GRANGEMOUTH CARERS LIMITED→ SC131185 · est 1991 · no financials extracted	—	—	—	—	35y	81	75y
PLAY ALLOA→ SC379003 · est 2010 · no financials extracted	—	—	—	—	15y	81	69y

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

Incorporated2011-05-19

Jurisdictionscotland

Primary SIC86900 — Other human health activities

Registered office

16a Beta Centre Stirling University Innovation Park

Stirling

FK9 4NF

Scotland

Filing status

Accounts

Next due: 2027-05-31

Last made up to: 2025-08-31

Confirmation statement

Next due: 2026-07-19

Last: 2025-07-05

Officers (3 active · 6 resigned)

MACKAY, Margo→

director · ~59y · appointed 2019-09-01

View their other companies + combined net worth →

Active

MCANDREW, Kenny→

director · ~56y · appointed 2020-04-01

View their other companies + combined net worth →

Active

MURPHY, Joan Fairie, Dr→

director · ~75y · appointed 2011-05-19

View their other companies + combined net worth →

Active

ABBESS, Eileen→

director · ~60y · appointed 2012-01-20 · resigned 2020-12-20

Resigned

BEIRNE, Pauline→

director · ~65y · appointed 2022-05-14 · resigned 2025-06-10

Resigned

CAMERON, Lois Frances→

director · ~68y · appointed 2011-05-19 · resigned 2023-03-31

Resigned

CLARK, Elizabeth, Dr→

director · ~64y · appointed 2022-05-14 · resigned 2025-09-23

Resigned

COBBAN, Raonaid Mary→

director · ~81y · appointed 2014-07-04 · resigned 2019-09-01

Resigned

MCCOULL, Ian Thomas→

director · ~65y · appointed 2019-09-01 · resigned 2025-06-10

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	Big Issue Invest Big Issue Invest Limited	A registered charge	1 property	07/05/2013	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (52 total)

accounts-with-accounts-type-micro-entity

accounts · AA

2026-04-21

termination-director-company-with-name-termination-date

officers · TM01

2025-09-29

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-07-08

termination-director-company-with-name-termination-date

officers · TM01

2025-06-18

termination-director-company-with-name-termination-date

officers · TM01

2025-06-18

accounts-with-accounts-type-micro-entity

accounts · AA

2024-10-09

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-07-12

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2024-05-16

accounts-with-accounts-type-micro-entity

accounts · AA

2024-04-24

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-07-05

notification-of-a-person-with-significant-control

persons-with-significant-control · PSC01

2023-07-05

cessation-of-a-person-with-significant-control

persons-with-significant-control · PSC07

2023-07-05

termination-director-company-with-name-termination-date

officers · TM01

2023-07-05

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-05-19

accounts-with-accounts-type-micro-entity

accounts · AA

2023-01-26