CARE HOMES (SCOTLAND) LTD.

🌳Matureactive

SC257954 · ltd · incorporated 2003-10-21

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

—

year to Apr 2025

Net worth

£3.15M

book net assets

Opportunity

72/100

Strong

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What this business does

Primary activity: Residential nursing care activities

Sector: Human health & social work

Investor take

Special-situation opportunity

Distressed healthcare with salvageable qualities — special-situations priority.

Opportunity 72/100 (strong), bankability 42/100. Strong seller-intent signal (73/100, director aged 73). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (50/100).

🏦

Refinance opportunity

7 live charges · 3 lenders · oldest 20.3y

25/100

too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

· Oldest live charge is 20.3 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 45/100 (high).

Data confidence

Overall: medium (79/100)

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

Lenders & charges

7 charges (7/7 with lender, 7/7 with type)

Directors & officers

9 officers (6 active, 9 linked, 6 with DOB)

Ownership & PSC

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

Director network

2 connected companies via shared directors

Filing history

83 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

72/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £3,150,903

Key financials

2 years extracted from filed iXBRL accounts

Cash

£126k

Net Worth

£3.2m

Current Assets

£147k

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-04-05	2024-04-05
Total assets	£3.33M	—
Current assets	£147.3k	—
Cash	£125.8k	—
Debtors	£19.8k	£54.9k
Net assets	£3.15M	—

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

filings

Last 90 days

filings

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (41 events)Click to expand

2025-11-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-13
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-29
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-10
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-04
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-03
📄
accounts-with-accounts-type-full
accounts · AA
2020-01-08
📄
accounts-with-accounts-type-full
accounts · AA
2019-07-26
📄
mortgage-satisfy-charge-full
mortgage · MR04
2019-07-26
📄
mortgage-satisfy-charge-full
mortgage · MR04
2019-07-26
📄
mortgage-satisfy-charge-full
mortgage · MR04
2019-07-26
📄
mortgage-satisfy-charge-full
mortgage · MR04
2019-07-26
📄
mortgage-satisfy-charge-full
mortgage · MR04
2019-07-26
🔓
Charge satisfied #6
2019-07-26
🔓
Charge satisfied #5
2019-07-26
🔓
Charge satisfied #4
2019-07-26
🔓
Charge satisfied #3
2019-07-26
🔓
Charge satisfied #2
2019-04-15
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2019-04-10
🔒
Charge registered #7
Lender: Priory CC19 Limited
2019-01-09
📄
accounts-with-accounts-type-full
accounts · AA
2017-05-22
➕
OSWAL, Sarojini appointed
director
2017-05-22
➕
OSWAL, Shaun appointed
director
2015-12-02
🔒
Charge registered #6
Lender: Barclays Bank PLC
2014-03-10
🔓
Charge satisfied #1
2013-12-23
🔒
Charge registered #5
Lender: Barclays Bank PLC
2013-12-06
🔒
Charge registered #4
Lender: Barclays Bank PLC
2013-11-14
🔒
Charge registered #3
Lender: Barclays Bank PLC
2013-11-14
🔒
Charge registered #2
Lender: Barclays Bank PLC
2012-11-22
➕
OSWAL, Shalini appointed
director
2012-11-22
➕
OSWAL, Sheryl appointed
director
2010-04-05
➖
OSWAL, Shaun resigned
director
2006-01-18
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
2005-09-16
➕
OSWAL, Shaun appointed
director
2003-10-21
🏢
Company incorporated
As CARE HOMES (SCOTLAND) LTD.
2003-10-21
➕
OSWAL, Rainu appointed
secretary
2003-10-21
➕
OSWAL, Tribhavan appointed
director
2003-10-21
➕
BRIAN REID LTD. appointed
corporate-nominee-secretary
2003-10-21
➖
BRIAN REID LTD. resigned
corporate-nominee-secretary
2003-10-21
➕
STEPHEN MABBOTT LTD. appointed
corporate-nominee-director
2003-10-21
➖
STEPHEN MABBOTT LTD. resigned
corporate-nominee-director

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

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 73 — 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 73 years old. Natural succession window is now.
primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 23 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 med ·

Has insolvency history

medium

Companies House flags prior insolvency events. Review the insolvency filings for context.

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.

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr Tribavan Oswal Individual · British · DOB 10/1953 · age 73	—	—	board controlboard control	01/06/2017

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 · G postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
B SIRCAR AND SIRCAR LIMITED→ SC484487 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
BIRCHFIELD DENTAL CARE LIMITED→ SC666652 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
BLAIR EDWARD LIMITED→ SC314148 · est 2007 · no financials extracted	—	—	—	—	19y	—	—
BLOSSOM 24 LTD→ SC797799 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
C-CHANGE SCOTLAND→ SC262558 · est 2004 · no financials extracted	—	—	—	—	22y	—	—
CALEDONIAN OH SERVICES LTD→ SC808187 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
CAMCARE SUPPORT SERVICES LTD→ SC828805 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
CAMPBELL SKIN HEALTH LTD→ SC825111 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
CARE SOLUTIONS HOMECARE LTD→ SC508883 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
CARIES FAIRIES LIMITED→ SC505539 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
CARNS HEALTH CARE LIMITED→ SC838318 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
CAROLE CARE SOLUTIONS LIMITED→ SC821517 · est 2024 · no financials extracted	—	—	—	—	1y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

8 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

Incorporated2003-10-21

Jurisdictionscotland

Primary SIC87100 — Residential nursing care activities

Registered office

5 Witchwood Grove

Newton Mearns

Glasgow

G77 6GS

Scotland

Filing status

Accounts

Next due: 2027-01-05

Last made up to: 2025-04-05

Confirmation statement

Next due: 2026-11-24

Last: 2025-11-10