MATERIAL THINGS GREENOCK LIMITED

🌳Matureactive
SC499551 · ltd · incorporated 2015-03-04
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
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Turnover
—
year to Mar 2025
Net worth
£75.0k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: SIC 47510
Sector: Wholesale & retail
Investor take
Pursue
Asset-holding vehicle with a 66-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

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
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
32 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £75,020

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£75k
↑ 183% YoY
Current Assets
£91k
↓ 29% YoY
Current Liabilities
—
£0£26k£52k£77k£103k£129kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£96.6k£126.6k
Current assets£91.0k£128.8k
Net assets£75.0k£26.5k

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

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 officers
Last 180 days
2
filings
  • • 1 officers
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2026-02-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2025-09-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-12-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-12-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-12-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-10-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2022-09-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2022-09-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2022-06-06
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2022-06-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2022-06-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2021-11-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2020-11-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2019-10-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2019-01-21
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2018-07-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2016-06-12
    ➕
    POLLOCK, Lucinda Fiona appointed
    director
  18. 2015-03-04
    🏢
    Company incorporated
    As MATERIAL THINGS GREENOCK LIMITED
  19. 2015-03-04
    ➕
    POLLOCK, Joyce Wills appointed
    director

Owner dependency

86/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 66 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

61/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Joyce Wills Pollock
Individual · British · DOB 07/1960 · age 66
75–100%
—75-100% shares01/11/2016

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 →
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7 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.

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Company details

Statusactive
Typeltd
Incorporated2015-03-04
Jurisdictionscotland
Primary SIC47510 — SIC 47510

Registered office

42a Hilltop Crescent
Gourock
PA19 1YW
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-26
Last: 2026-01-12

Officers (2 active · 0 resigned)

POLLOCK, Joyce Wills→
director · ~66y · appointed 2015-03-04
View their other companies + combined net worth →
Active
POLLOCK, Lucinda Fiona→
director · ~34y · appointed 2016-06-12
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Recent filings (32 total)

change-person-director-company-with-change-date
officers · CH01
2026-02-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-16
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-12
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-12
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-12
change-person-director-company-with-change-date
officers · CH01
2022-10-11
change-person-director-company-with-change-date
officers · CH01
2022-09-13
change-person-director-company-with-change-date
officers · CH01
2022-09-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-06-06
change-person-director-company-with-change-date
officers · CH01
2022-06-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-06-06