CAIRNDOW COMMUNITY CHILDCARE LIMITED

🌳Matureactive

SC276132 · private-limited-guarant-nsc · incorporated 2004-11-17

Investment thesis

Looks cheap but ownership + security both unclear — probable value trap.

Why interesting: Headline metrics may be attractive.

Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 8.0y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£1.66M

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Pre-primary education

Sector: Education

Investor take

Pursue

Active trading company with a 66-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 8.0y

70/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 8.0 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 20/100 — clean.

Data confidence

Overall: medium (63/100)

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

1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

17 officers (5 active, 17 linked, 12 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

1 connected companies via shared directors

Filing history

76 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

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.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £1,660,131

Key financials

1 year extracted from filed iXBRL accounts

Cash

—

Net Worth

£1.7m

Current Assets

£14k

Current Liabilities

—

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31
Total assets	£1.71M
Current assets	£13.8k
Net assets	£1.66M

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

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (49 events)Click to expand

2025-11-17
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-08
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-04-01
➖
BOYTER, Alan Macdonald resigned
director
2025-01-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-08
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-09-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-01-12
➕
JOHNSTON, Hugh Laughlin appointed
director
2022-01-12
➖
RIDDOCH, Janet resigned
director
2021-12-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-22
📄
accounts-with-accounts-type-small
accounts · AA
2020-12-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-09-04
➖
COLBURN, Neil resigned
director
2020-02-14
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2019-12-27
📄
accounts-with-accounts-type-small
accounts · AA
2019-06-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2019-06-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2019-06-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-06-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-03-01
➕
BOYTER, Alan Macdonald appointed
director
2019-03-01
➖
BREMNER, Francis resigned
director
2019-03-01
➕
RIDDOCH, Janet appointed
director
2019-03-01
➖
WYNNE, Anna Emily Rose resigned
director
2018-12-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-07-13
🔒
Charge registered #2
Lender: Big Lottery Fund
2018-04-12
🔒
Charge registered #1
Lender: David Peter Sumsion
2015-02-05
➕
HUTCHINS, Owen appointed
director
2015-02-05
➖
MCINTYRE, Helen resigned
director
2015-02-05
➕
WYNNE, Anna Emily Rose appointed
director
2014-02-12
➕
HUTCHINS, Alison appointed
director
2014-02-12
➕
COLBURN, Neil appointed
director
2014-02-12
➕
MCINTYRE, Helen appointed
director
2013-02-12
➖
BLEAZARD, Rosemary Janette resigned
director
2008-01-09
➕
BLEAZARD, Rosemary Janette appointed
director
2008-01-09
➖
CHALMERS, Dorothy resigned
director
2004-11-17
🏢
Company incorporated
As CAIRNDOW COMMUNITY CHILDCARE LIMITED
2004-11-17
➕
SUMSION, Virginia appointed
secretary
2004-11-17
➕
SUMSION, Virginia appointed
director
2004-11-17
➕
OSWALDS OF EDINBURGH LIMITED appointed
corporate-nominee-secretary
2004-11-17
➖
OSWALDS OF EDINBURGH LIMITED resigned
corporate-nominee-secretary
2004-11-17
➕
BREMNER, Francis appointed
director
2004-11-17
➕
CHALMERS, Dorothy appointed
director
2004-11-17
➕
JORDAN COMPANY SECRETARIES LIMITED appointed
corporate-nominee-director
2004-11-17
➖
JORDAN COMPANY SECRETARIES LIMITED resigned
corporate-nominee-director
2004-11-17
➕
JORDANS (SCOTLAND) LIMITED appointed
corporate-nominee-director
2004-11-17
➖
JORDANS (SCOTLAND) LIMITED resigned
corporate-nominee-director
2004-11-17
➕
OSWALDS OF EDINBURGH LIMITED appointed
corporate-nominee-director
2004-11-17
➖
OSWALDS OF EDINBURGH LIMITED 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

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 66 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 21 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

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

🔒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 · Education & training · PA postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
IONAD CHALUIM CHILLE ILE→ SC209046 · est 2000 · no financials extracted	—	—	—	—	25y	83	91y
ST COLUMBA'S DRIMNIN TRUST LIMITED→ SC289026 · est 2005	—	—	£22.9k	—	20y	83	80y
THE ACTUAL REALITY TRUST→ SC211025 · est 2000 · no financials extracted	—	—	—	—	25y	83	73y
CARLI'S KINDERGARTEN LTD→ SC290076 · est 2005	—	—	£49.5k	—	20y	82	73y
PROFESSIONAL DIVING ACADEMY LIMITED→ SC264798 · est 2004	—	—	£309.0k	—	22y	82	71y
CO-ROINN GHAIDHLIG MHUILE AGUS IDHE (MULL & IONA GAELIC PARTNERSHIP)→ SC280109 · est 2005 · no financials extracted	—	—	—	—	21y	81	80y
ENGAGE RENFREWSHIRE→ SC120101 · est 1989 · no financials extracted	—	—	—	—	36y	81	68y
LEISURE EDUCATION→ SC087812 · est 1984	—	—	£0	—	41y	81	87y
PRACTICAL FINANCIAL EXAMS LIMITED→ SC660494 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
RIVERSIDE RASCALS LIMITED→ SC656587 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
SHIFT UP DRIVING ACADEMY LTD→ SC840074 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
SPNO TRAINING & LOGISTICS LTD→ SC513388 · est 2015 · no financials extracted	—	—	—	—	10y	—	—

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

Typeprivate-limited-guarant-nsc

Incorporated2004-11-17

Jurisdictionscotland

Primary SIC85100 — Pre-primary education

Registered office

The Fyne Den

Cairndow

Argyll

PA26 8BL

Scotland

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-11-26

Last: 2025-11-12

Officers (5 active · 12 resigned)

SUMSION, Virginia→

secretary · appointed 2004-11-17

View their other companies + combined net worth →

Active

HUTCHINS, Alison→

director · ~47y · appointed 2014-02-12

View their other companies + combined net worth →

Active

HUTCHINS, Owen→

director · ~51y · appointed 2015-02-05

View their other companies + combined net worth →

Active

JOHNSTON, Hugh Laughlin→

director · ~59y · appointed 2022-01-12

View their other companies + combined net worth →

Active

SUMSION, Virginia→

director · ~66y · appointed 2004-11-17

View their other companies + combined net worth →

Active

OSWALDS OF EDINBURGH LIMITED→

corporate-nominee-secretary · appointed 2004-11-17 · resigned 2004-11-17

Resigned

BLEAZARD, Rosemary Janette→

director · ~59y · appointed 2008-01-09 · resigned 2013-02-12

Resigned

BOYTER, Alan Macdonald→

director · ~65y · appointed 2019-03-01 · resigned 2025-04-01

Resigned

BREMNER, Francis→

director · ~62y · appointed 2004-11-17 · resigned 2019-03-01

Resigned

CHALMERS, Dorothy→

director · ~62y · appointed 2004-11-17 · resigned 2008-01-09

Resigned

COLBURN, Neil→

director · ~55y · appointed 2014-02-12 · resigned 2020-09-04

Resigned

MCINTYRE, Helen→

director · ~48y · appointed 2014-02-12 · resigned 2015-02-05

Resigned

RIDDOCH, Janet→

director · ~61y · appointed 2019-03-01 · resigned 2022-01-12

Resigned

WYNNE, Anna Emily Rose→

director · ~49y · appointed 2015-02-05 · resigned 2019-03-01

Resigned

JORDAN COMPANY SECRETARIES LIMITED→

corporate-nominee-director · appointed 2004-11-17 · resigned 2004-11-17

Resigned

JORDANS (SCOTLAND) LIMITED→

corporate-nominee-director · appointed 2004-11-17 · resigned 2004-11-17

Resigned

OSWALDS OF EDINBURGH LIMITED→

corporate-nominee-director · appointed 2004-11-17 · resigned 2004-11-17

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:2 of 2 shown

			Type	Properties
	outstanding	Big Lottery Fund	A registered charge	1 property	13/07/2018	—
	outstanding	David Peter Sumsion	A registered charge	1 property	12/04/2018	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (76 total)

accounts-with-accounts-type-micro-entity

accounts · AA

2025-11-17

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-11-13

termination-director-company-with-name-termination-date

officers · TM01

2025-06-08

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-01-07

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-11-12

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-01-12

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-11-12

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-11-15

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-11-13

appoint-person-director-company-with-name-date

officers · AP01

2022-10-08

termination-director-company-with-name-termination-date

officers · TM01

2022-09-03

accounts-with-accounts-type-total-exemption-full

accounts · AA

2021-12-30

confirmation-statement-with-no-updates

confirmation-statement · CS01

2021-11-16

accounts-with-accounts-type-small

accounts · AA

2020-12-22

termination-director-company-with-name-termination-date

officers · TM01

2020-12-14