BANDRUM NURSING HOME LIMITED

🌳Matureactive

SC099467 · ltd · incorporated 1986-06-06

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.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Medical nursing home activities

Sector: Human health & social work

Investor take

Pursue

Active trading company with a 88-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (63/100, director aged 88). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

11 live charges · 8 lenders · oldest 38.9y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 38.9 years old — likely at or near maturity.
· 8 lenders named — inter-creditor friction likely.
· Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (58/100)

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

No iXBRL financials extracted

Lenders & charges

11 charges (11/11 with lender, 11/11 with type)

Directors & officers

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

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

8 connected companies via shared directors

Filing history

187 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

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

filings

• 3 persons-with-significant-control

Last 90 days

filings

• 3 persons-with-significant-control

Last 180 days

filings

• 3 persons-with-significant-control
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (61 events)Click to expand

2026-04-21
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-04-21
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-04-21
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-19
📄
accounts-with-accounts-type-full
accounts · AA
2025-03-07
📄
accounts-with-accounts-type-full
accounts · AA
2024-03-05
📄
accounts-with-accounts-type-full
accounts · AA
2023-04-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-04-27
➕
ARMSTRONG, Alexandra Cleland appointed
director
2023-01-12
📄
accounts-with-accounts-type-full
accounts · AA
2022-11-02
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-11-02
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-07
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-09-05
📄
capital-cancellation-shares
capital · SH06
2022-09-05
📄
capital-return-purchase-own-shares
capital · SH03
2021-12-23
📄
accounts-with-accounts-type-full
accounts · AA
2021-12-22
📄
mortgage-satisfy-charge-full
mortgage · MR04
2021-12-22
📄
mortgage-satisfy-charge-full
mortgage · MR04
2021-12-22
🔓
Charge satisfied #11
2021-12-22
🔓
Charge satisfied #10
2021-06-21
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-06-18
🔒
Charge registered #13
Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
2021-06-02
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-05-17
🔒
Charge registered #12
Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
2020-12-30
📄
accounts-with-accounts-type-full
accounts · AA
2020-12-17
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-05-31
➖
BARTER, Victoria resigned
director
2019-09-16
➕
JEFFCOAT, Marilyn Annette appointed
secretary
2019-09-16
➖
GOLDSMITH, Christine Nicola resigned
secretary
2018-08-08
➕
BARTER, Victoria appointed
director
2013-11-14
➖
BEASE, Robert Mclean resigned
director
2010-10-18
➕
PAYNE, Rachel Charlotte Fitzgerald appointed
director
2010-10-18
➕
GOLDSMITH, Christine Nicola appointed
secretary
2010-10-18
➖
PAYNE, Rachel Charlotte Fitzgerald resigned
secretary
2009-04-30
➕
PAYNE, Rachel Charlotte Fitzgerald appointed
secretary
2009-04-30
➖
DAVIDSON CHALMERS (SECRETARIAL SERVICES) LIMITED resigned
corporate-secretary
2009-01-08
🔓
Charge satisfied #8
2009-01-07
🔓
Charge satisfied #9
2009-01-07
🔓
Charge satisfied #7
2008-12-30
🔒
Charge registered #11
Lender: Barclays Bank PLC
2008-11-25
🔒
Charge registered #10
Lender: Barclays Bank PLC
2001-08-02
🔓
Charge satisfied #5
2001-07-25
🔓
Charge satisfied #6
2000-10-09
🔒
Charge registered #9
Lender: The Royal Bank of Scotland PLC
2000-08-31
🔒
Charge registered #8
Lender: The Royal Bank of Scotland PLC
2000-08-28
➕
DAVIDSON CHALMERS (SECRETARIAL SERVICES) LIMITED appointed
corporate-secretary
2000-08-28
➖
DAVIDSON CHALMERS (SECRETARIAL SERVICES) LIMITED resigned
corporate-secretary
2000-06-01
➕
JEFFCOAT, Marilyn Annette appointed
director
1995-10-31
➖
BENNETT & ROBERTSON LLP resigned
corporate-secretary
1995-10-31
➕
DAVIDSON CHALMERS (SECRETARIAL SERVICES) LIMITED appointed
corporate-secretary
1992-05-08
➖
PAYNE, Patricia Christine resigned
secretary

Showing most recent 50 of 61 events

Owner dependency

73/100

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 26 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 88 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

90/100

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 88 years old. Natural succession window is now.
primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 40 years old and no new directors in the last 3 years — succession not yet being planned internally.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Bandrum Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Bandrum Holdings Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

BANDRUM NURSING HOME LIMITED

This company · SC099467

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Bandrum Holdings Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	30/03/2026

2 historic (ceased) PSCs

Ms Rachel Charlotte Fitzgerald Payneceased 30/03/2026· 25-50% shares · 25-50% voting
Mrs Patricia Christine Payneceased 30/03/2026· 50-75% shares · 50-75% voting

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

🔒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 · KY postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ABBOTSFORD CARE (GLENROTHES) LIMITED→ SC370558 · est 2009	£11.35M £8.17M–£14.53M	£18.42M	—	60000	16y	81	70y
THE DAISYCHAIN NURSERY KIRKCALDY LTD.→ SC263422 · est 2004	—	—	—	5200	22y	83	78y
PITLAIR LIMITED→ SC164594 · est 1996	—	—	—	5800	30y	82	80y
R MITEVA & ASSOCIATES LIMITED→ SC379836 · est 2010	—	—	£574.1k	—	15y	82	63y
RIVENDELL CARE SERVICES LIMITED→ SC329079 · est 2007	—	—	£273.5k	—	18y	82	86y
CHARLESTOWN PHARMACY LIMITED→ SC391110 · est 2011	—	—	—	5	15y	81	64y
FIFE INTENSIVE REHABILITATION AND SUBSTANCE USE TEAM (FIRST) LIMITED→ SC298843 · est 2006 · no financials extracted	—	—	—	—	20y	81	80y
FIFE SHOPPING & SUPPORT SERVICES LTD→ SC384248 · est 2010 · no financials extracted	—	—	—	—	15y	81	69y
GIBSON TRAINING AND CARE LIMITED→ SC331626 · est 2007	—	—	£81	—	18y	81	82y
QA CONNECTIONS LTD→ SC379457 · est 2010 · no financials extracted	—	—	—	—	15y	81	64y
THE FIFE HERBAL DISPENSARY LIMITED→ SC284939 · est 2005	—	—	—	—	20y	81	80y
COLORECTAL LTD.→ SC261429 · est 2004	—	—	—	100	22y	80	64y

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.

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Company details

Statusactive

Typeltd

Incorporated1986-06-06

Jurisdictionscotland

Primary SIC86102 — Medical nursing home activities

Registered office

Bandrum Nursing Home

Saline

By Dunfermline

Fife

KY12 9HR

United Kingdom

Filing status

Accounts

Next due: 2027-05-31

Last made up to: 2025-08-31

Confirmation statement

Next due: 2026-09-14

Last: 2025-08-31