CUMLODEN MANOR NURSING HOME LIMITED
🌳Matureactive
SC228825 · ltd · incorporated 2002-03-06
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 24.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Residential nursing care activities
Sector: Human health & social work
ALSO REGISTERED FOR
- 87300Residential care activities for the elderly and disabled
Investor take
PursueActive trading company with a 77-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 77). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · oldest 24.1y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 24.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 4 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
67 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 6200 | 7500 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
- 2025-06-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-13➕FERGUSON, Alexandrina appointeddirector
- 2024-11-13➕MCNAIR, Kevin appointeddirector
- 2024-11-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-03-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-08📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-01➖HENDERSON, James Brown resignedsecretary
- 2022-03-03📄gazette-filings-brought-up-to-dategazette · DISS40
- 2022-03-02📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-03-01📄gazette-notice-compulsorygazette · GAZ1
- 2021-03-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-01-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-03-05📄gazette-filings-brought-up-to-dategazette · DISS40
- 2019-03-04📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-02-26📄gazette-notice-compulsorygazette · GAZ1
- 2018-04-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2008-10-10➖PAGAN, Caroll Anne resignedsecretary
- 2008-10-01➕HENDERSON, James Brown appointedsecretary
- 2008-01-25➖PAGAN, Robert Charles Johnstone Jardine resigneddirector
- 2002-07-15🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2002-04-03🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2002-03-06🏢Company incorporatedAs CUMLODEN MANOR NURSING HOME LIMITED
- 2002-03-06➕PAGAN, Caroll Anne appointeddirector
- 2002-03-06➕PAGAN, Caroll Anne appointedsecretary
- 2002-03-06➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2002-03-06➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 2002-03-06➕PAGAN, Robert Charles Johnstone Jardine appointeddirector
- 2002-03-06➕JORDANS (SCOTLAND) LIMITED appointedcorporate-nominee-director
- 2002-03-06➖JORDANS (SCOTLAND) LIMITED resignedcorporate-nominee-director
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 77 — succession pressure is live.
Succession & seller-readiness
80/100
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 77 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Caroll Anne Pagan Individual · British · DOB 12/1949 · age 77 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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Active · Healthcare & medical · DG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALCOHOL AND DRUGS SUPPORT SOUTH WEST SCOTLAND→ SC227133 · est 2002 · no financials extracted | — | — | — | — | 24y | 81 | 79y |
| CROSSROADS (ANNANDALE & ESKDALE) CARE ATTENDANT SCHEME→ SC178298 · est 1997 · no financials extracted | — | — | — | — | 28y | 81 | 72y |
| CROSSROADS (DUMFRIES & LOWER NITHSDALE) CARE ATTENDANT SCHEME→ SC173600 · est 1997 · no financials extracted | — | — | — | — | 29y | 81 | 88y |
| DUMFRIES ORTHODONTICS (HOLDINGS) LIMITED→ SC775559 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| DUMFRIES SMILE CENTRE LTD→ SC857750 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HALZEE HOLDINGS LIMITED→ SC870687 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| INDEPENDENT LIVING SUPPORT→ SC307309 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| KATHRYN WATT CLINICAL PSYCHOLOGY LIMITED→ SC807800 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| MAISICH LTD→ SC842227 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| MENOPAUSE MATTERS LIMITED→ SC222055 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| OM SAI KRIPA LTD→ SC558981 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| S & A HOUSING SUPPORT SERVICES LIMITED→ SC495858 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated2002-03-06
Jurisdictionscotland
Primary SIC87100 — Residential nursing care activities
Registered office
Cumloden Manor Nursing Home
Cumloden Road
Newton Stewart
Dumfries & Galloway
DG8 6AA
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-20
Last: 2026-03-06
Officers (3 active · 5 resigned)
FERGUSON, Alexandrina→
Activedirector · ~40y · appointed 2024-11-13
View their other companies + combined net worth →
MCNAIR, Kevin→
Activedirector · ~58y · appointed 2024-11-13
View their other companies + combined net worth →
PAGAN, Caroll Anne→
Activedirector · ~77y · appointed 2002-03-06
View their other companies + combined net worth →
HENDERSON, James Brown→
Resignedsecretary · appointed 2008-10-01 · resigned 2022-04-01
PAGAN, Caroll Anne→
Resignedsecretary · appointed 2002-03-06 · resigned 2008-10-10
OSWALDS OF EDINBURGH LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-03-06 · resigned 2002-03-06
PAGAN, Robert Charles Johnstone Jardine→
Resigneddirector · ~81y · appointed 2002-03-06 · resigned 2008-01-25
JORDANS (SCOTLAND) LIMITED→
Resignedcorporate-nominee-director · appointed 2002-03-06 · resigned 2002-03-06
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 15/07/2002 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 03/04/2002 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (67 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-19
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-03-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-20
appoint-person-director-company-with-name-date
officers · AP01
2024-11-13
appoint-person-director-company-with-name-date
officers · AP01
2024-11-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-20
termination-secretary-company-with-name-termination-date
officers · TM02
2023-06-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-14
gazette-filings-brought-up-to-date
gazette · DISS40
2022-03-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-03-02