CRAIGARD CARE LIMITED
⚰️Wound downdissolved
SC163364 · ltd · incorporated 1996-02-14
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
46/100
Watch
What this business does
Primary activity: Residential nursing care activities
Sector: Human health & social work
Investor take
Pass (distressed without resilience)Distressed unclear — structural issues outweigh the discount.
Opportunity 46/100 (watch), bankability 40/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: asset disposal / carve-out (55/100). Current lenders should be on monthly review.
🏦
Refinance opportunity
11 live charges · 2 lenders · oldest 30.1y
40/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 30.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 60/100 (high).
Data confidence
Overall: medium (55/100)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
0
Lenders & charges
11 charges (11/11 with lender, 11/11 with type)
90
Directors & officers
5 officers (4 active, 5 linked, 3 with DOB)
82
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
102 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
46/100Watch
PassWatchWorth a lookStrongExceptional
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Business quality
0
Concerning — overdue filings or status flags present.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
38
Multiple red flags — proceed with caution.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (42 events)Click to expand
- 2025-05-27⚠️gazette-dissolved-liquidationgazette · GAZ2
- 2025-05-27🏁Company dissolved
- 2025-02-27⚠️liquidation-in-administration-move-to-dissolution-scotland-2insolvency · AM23(Scot)
- 2024-10-14⚠️liquidation-in-administration-progress-report-scotlandinsolvency · AM10(Scot)
- 2024-04-11⚠️liquidation-in-administration-progress-report-scotlandinsolvency · AM10(Scot)
- 2024-02-16⚠️liquidation-in-administration-extension-of-period-scotlandinsolvency · AM19(Scot)
- 2023-09-19⚠️liquidation-in-administration-progress-report-scotlandinsolvency · AM10(Scot)
- 2023-05-23⚠️liquidation-in-administration-statement-of-affairs-with-form-attached-scotlandinsolvency · AM02(Scot)
- 2023-04-05⚠️liquidation-in-administration-notice-deemed-approval-of-proposals-scotlandinsolvency · AM06(Scot)
- 2023-04-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-04-01🔓Charge satisfied #7
- 2023-03-13⚠️liquidation-in-administration-notice-administrators-proposals-scotlandinsolvency · AM03(Scot)
- 2023-03-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-03-07⚠️liquidation-in-administration-appointment-of-administrator-scotlandinsolvency · AM01(Scot)
- 2021-12-23📄accounts-with-accounts-type-fullaccounts · AA
- 2021-01-14📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2020-12-24📄accounts-with-accounts-type-fullaccounts · AA
- 2019-12-20📄accounts-with-accounts-type-fullaccounts · AA
- 2018-12-27📄accounts-with-accounts-type-fullaccounts · AA
- 2018-01-03📄accounts-with-accounts-type-fullaccounts · AA
- 2015-06-02🔒Charge registered #11Lender: The Royal Bank of Scotland PLC
- 2011-02-05➕COWIE, Stephen Andrew appointeddirector
- 2004-11-03🔒Charge registered #10Lender: The Royal Bank of Scotland PLC
- 2004-11-03🔒Charge registered #9Lender: The Royal Bank of Scotland PLC
- 2004-11-03🔒Charge registered #8Lender: The Royal Bank of Scotland PLC
- 2004-07-29🔓Charge satisfied #4
- 2004-07-29🔓Charge satisfied #3
- 2004-07-29🔓Charge satisfied #2
- 2004-05-29🔓Charge satisfied #1
- 2004-04-29🔒Charge registered #7Lender: The Royal Bank of Scotland PLC
- 2004-04-29🔒Charge registered #6Lender: The Royal Bank of Scotland PLC
- 2004-04-13🔒Charge registered #5Lender: The Royal Bank of Scotland PLC
- 1998-11-09🔒Charge registered #4Lender: The Governor and Company of the Bank of Scotland
- 1997-06-27🔒Charge registered #3Lender: The Governor and Company of the Bank of Scotland
- 1996-05-24🔒Charge registered #2Lender: The Governor and Company of the Bank of Scotland
- 1996-04-29🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 1996-02-20➕COWIE, Colin Stephen appointeddirector
- 1996-02-20➕COWIE, Patricia Ann appointeddirector
- 1996-02-20➖BONSQUARE NOMINEES LIMITED resignedcorporate-director
- 1996-02-14🏢Company incorporatedAs CRAIGARD CARE LIMITED
- 1996-02-14➕JAMES AND GEORGE COLLIE LLP appointedcorporate-secretary
- 1996-02-14➕BONSQUARE NOMINEES LIMITED appointedcorporate-director
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 84 — 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 candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 84 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 30 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
2 high · 1 med · 1 lowCompany dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2025-05-27
10 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2025-05-27: gazette-dissolved-liquidation; 2025-02-27: liquidation-in-administration-move-to-dissolution-scotland-2
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
6 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Colin Stephen Cowie Individual · British · DOB 10/1942 · age 84 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Patricia Ann Cowie Individual · British · DOB 12/1946 · age 80 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Healthcare & medical · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| SUMMIT HEALTHCARE (WISHAW) LIMITED→ SC182649 · est 1998 | £14.49M £10.43M–£18.54M | — | — | 0 | 28y | 84 | 60y |
| AYRSHIRE HOSPITALS LIMITED→ SC248921 · est 2003 | £4.40M £3.17M–£5.63M | — | — | 0 | 23y | 84 | 64y |
| STONEHOUSE HOSPITALS LIMITED→ SC251033 · est 2003 | £706.3k £508.5k–£904.0k | — | — | 0 | 23y | 92 | 64y |
| RENAISSANCE CARE (UK) LTD→ SC379961 · est 2010 | £438.4k £315.7k–£561.2k | — | — | 4 | 16y | 88 | 69y |
| PRESTIGE NURSING (SCOTLAND) LIMITED→ SC143810 · est 1993 | — | — | — | 28800 | 33y | 84 | 63y |
| ANSWER PROJECT→ SC212773 · est 2000 · no financials extracted | — | — | — | — | 25y | 83 | 79y |
| CRANSTON NURSERIES LIMITED→ SC253519 · est 2003 | — | — | £360.3k | — | 22y | 83 | 76y |
| EDINBURGH SPORTS INJURY CLINIC LIMITED→ SC245755 · est 2003 | — | — | £97.9k | — | 23y | 83 | 61y |
| ELDER HOMES LIMITED→ SC154896 · est 1994 · no financials extracted | — | — | — | — | 31y | 83 | 80y |
| FLORABANK HOME LIMITED→ SC170166 · est 1996 · no financials extracted | — | — | — | — | 29y | 83 | 81y |
| MCSENCE LIMITED→ SC129794 · est 1991 · no financials extracted | — | — | — | — | 35y | 83 | 76y |
| OPEX LTD.→ SC191607 · est 1998 | — | — | — | 3400 | 27y | 83 | 72y |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
11 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
Statusdissolved
Typeltd
Incorporated1996-02-14
Jurisdictionscotland
Primary SIC87100 — Residential nursing care activities
Registered office
C/O Frp Advisory Trading Limited Apex 3
95 Haymarket Terrace
Edinburgh
EH12 5HD
Filing status
Accounts
Next due: —
Last made up to: 2021-03-31
Confirmation statement
Next due: —
Last: 2023-02-14
Officers (0 active · 1 resigned)
JAMES AND GEORGE COLLIE LLP→
Activecorporate-secretary · appointed 1996-02-14
View their other companies + combined net worth →
COWIE, Colin Stephen→
Activedirector · ~84y · appointed 1996-02-20
View their other companies + combined net worth →
COWIE, Patricia Ann→
Activedirector · ~80y · appointed 1996-02-20
View their other companies + combined net worth →
COWIE, Stephen Andrew→
Activedirector · ~61y · appointed 2011-02-05
View their other companies + combined net worth →
BONSQUARE NOMINEES LIMITED→
Resignedcorporate-director · appointed 1996-02-14 · resigned 1996-02-20
Click a director name to see their full track record across all companies.
Mortgages & charges
11
Total charges
6
Outstanding
1
Active lenders
Status:Lender:11 of 11 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 02/06/2015 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 03/11/2004 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 03/11/2004 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 03/11/2004 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 29/04/2004 | 01/04/2023 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 29/04/2004 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 13/04/2004 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 09/11/1998 | 29/07/2004 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 27/06/1997 | 29/07/2004 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 24/05/1996 | 29/07/2004 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Bond & floating charge | 1 property | 29/04/1996 | 29/05/2004 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (102 total)
gazette-dissolved-liquidation
gazette · GAZ2
2025-05-27
liquidation-in-administration-move-to-dissolution-scotland-2
insolvency · AM23(Scot)
2025-02-27
liquidation-in-administration-progress-report-scotland
insolvency · AM10(Scot)
2024-10-14
liquidation-in-administration-progress-report-scotland
insolvency · AM10(Scot)
2024-04-11
liquidation-in-administration-extension-of-period-scotland
insolvency · AM19(Scot)
2024-02-16
liquidation-in-administration-progress-report-scotland
insolvency · AM10(Scot)
2023-09-19
liquidation-in-administration-statement-of-affairs-with-form-attached-scotland
insolvency · AM02(Scot)
2023-05-23
liquidation-in-administration-notice-deemed-approval-of-proposals-scotland
insolvency · AM06(Scot)
2023-04-05
mortgage-satisfy-charge-full
mortgage · MR04
2023-04-01
liquidation-in-administration-notice-administrators-proposals-scotland
insolvency · AM03(Scot)
2023-03-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-03-08
liquidation-in-administration-appointment-of-administrator-scotland
insolvency · AM01(Scot)
2023-03-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-18
accounts-with-accounts-type-full
accounts · AA
2021-12-23