FIACAIL LIMITED
🌳Matureactive
SC472441 · ltd · incorporated 2014-03-13
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 9.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2024
Net worth
£27.9k
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Dental practice activities
Sector: Human health & social work
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
3 live charges · oldest 9.7y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 9.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — 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
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
37 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £27,857
Cash YoY
+23%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£123k
↑ 23% YoY
Net Worth
£28k
↑ 67% YoY
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-08-31 | 2023-08-31 |
|---|---|---|
| Cash | £123.1k | £100.0k |
| Net assets | £27.9k | £16.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 signals 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
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
3
filings
- • 1 confirmation-statement
- • 1 officers
- • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2025-12-08📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-05-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-11📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-11📄change-person-director-company-with-change-dateofficers · CH01
- 2024-05-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-08-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-05-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-01-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-04-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-01-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-15🔒Charge registered #3Lender: Bank of Scotland PLC
- 2016-09-14🔒Charge registered #2Lender: Bank of Scotland PLC
- 2016-08-22🔒Charge registered #1Lender: Bank of Scotland PLC
- 2016-07-21➕CALDER, Jane appointeddirector
- 2014-03-13🏢Company incorporatedAs FIACAIL LIMITED
- 2014-03-13➕FERGUSON, Eleanor, Dr appointeddirector
Owner dependency
63/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
49/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 12 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Jane Calder Individual · British · DOB 04/1981 · age 45 | 25–50% | 25–50% | 25-50% shares · 25-50% voting · firm interest | 06/04/2016 |
Dr Eleanor Ferguson Individual · British · DOB 04/1979 · age 47 | 25–50% | — | 25-50% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| ELAVATE AESTHETICS LTD→ SC882116 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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| INSIGHT COUNSELLING→ SC339990 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| JACK & JILL'S ELITE NURSERY LIMITED→ SC621216 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| KELI TOTS WRAPAROUND CARE LTD→ SC831836 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| LDG (DUNDEE) LTD→ SC874383 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| LIAM SIMPSON MEDICAL LTD→ SC877076 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| LITISHA FOOT CARE LTD→ SC844687 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| LOCHSIDE THERAPY LIMITED→ SC778888 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| M.HICKEY LIMITED→ SC500881 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| MACLEOD HEALTH LTD→ SC754611 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| MADE YOU SMILE LTD→ SC870367 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Typeltd
Incorporated2014-03-13
Jurisdictionscotland
Primary SIC86230 — Dental practice activities
Registered office
Broughty Ferry Dental Care 361 Brook Street
Broughty Ferry
Dundee
DD5 2DS
Scotland
Filing status
Accounts
Next due: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2027-03-27
Last: 2026-03-13
Officers (2 active · 0 resigned)
CALDER, Jane→
Activedirector · ~45y · appointed 2016-07-21
View their other companies + combined net worth →
FERGUSON, Eleanor, Dr→
Activedirector · ~47y · appointed 2014-03-13
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 15/09/2016 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 14/09/2016 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 22/08/2016 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (37 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-19
change-person-director-company-with-change-date
officers · CH01
2025-12-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-09
change-person-director-company-with-change-date
officers · CH01
2024-09-11
change-person-director-company-with-change-date
officers · CH01
2024-09-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-08-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-08-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-10
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-09-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-30