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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 8.3y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No material changes in the last 90 days.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒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 8.3y

70/100
ready

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

  • · Oldest live charge is 8.3 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
50
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
17 officers (5 active, 17 linked, 12 with DOB)
84
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
1 connected companies via shared directors
48
Filing history
76 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.

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
Metric2025-03-31
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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (49 events)Click to expand
  1. 2025-11-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-06-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  3. 2025-04-01
    ➖
    BOYTER, Alan Macdonald resigned
    director
  4. 2025-01-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-01-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-11-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-10-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2022-09-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2022-01-12
    ➕
    JOHNSTON, Hugh Laughlin appointed
    director
  10. 2022-01-12
    ➖
    RIDDOCH, Janet resigned
    director
  11. 2021-12-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-12-22
    📄
    accounts-with-accounts-type-small
    accounts · AA
  13. 2020-12-14
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2020-09-04
    ➖
    COLBURN, Neil resigned
    director
  15. 2020-02-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2019-12-27
    📄
    accounts-with-accounts-type-small
    accounts · AA
  17. 2019-06-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2019-06-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2019-06-14
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  20. 2019-06-14
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  21. 2019-03-01
    ➕
    BOYTER, Alan Macdonald appointed
    director
  22. 2019-03-01
    ➖
    BREMNER, Francis resigned
    director
  23. 2019-03-01
    ➕
    RIDDOCH, Janet appointed
    director
  24. 2019-03-01
    ➖
    WYNNE, Anna Emily Rose resigned
    director
  25. 2018-12-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  26. 2018-07-13
    🔒
    Charge registered #2
    Lender: Big Lottery Fund
  27. 2018-04-12
    🔒
    Charge registered #1
    Lender: David Peter Sumsion
  28. 2015-02-05
    ➕
    HUTCHINS, Owen appointed
    director
  29. 2015-02-05
    ➖
    MCINTYRE, Helen resigned
    director
  30. 2015-02-05
    ➕
    WYNNE, Anna Emily Rose appointed
    director
  31. 2014-02-12
    ➕
    HUTCHINS, Alison appointed
    director
  32. 2014-02-12
    ➕
    COLBURN, Neil appointed
    director
  33. 2014-02-12
    ➕
    MCINTYRE, Helen appointed
    director
  34. 2013-02-12
    ➖
    BLEAZARD, Rosemary Janette resigned
    director
  35. 2008-01-09
    ➕
    BLEAZARD, Rosemary Janette appointed
    director
  36. 2008-01-09
    ➖
    CHALMERS, Dorothy resigned
    director
  37. 2004-11-17
    🏢
    Company incorporated
    As CAIRNDOW COMMUNITY CHILDCARE LIMITED
  38. 2004-11-17
    ➕
    SUMSION, Virginia appointed
    secretary
  39. 2004-11-17
    ➕
    SUMSION, Virginia appointed
    director
  40. 2004-11-17
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  41. 2004-11-17
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  42. 2004-11-17
    ➕
    BREMNER, Francis appointed
    director
  43. 2004-11-17
    ➕
    CHALMERS, Dorothy appointed
    director
  44. 2004-11-17
    ➕
    JORDAN COMPANY SECRETARIES LIMITED appointed
    corporate-nominee-director
  45. 2004-11-17
    ➖
    JORDAN COMPANY SECRETARIES LIMITED resigned
    corporate-nominee-director
  46. 2004-11-17
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-nominee-director
  47. 2004-11-17
    ➖
    JORDANS (SCOTLAND) LIMITED resigned
    corporate-nominee-director
  48. 2004-11-17
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-director
  49. 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 22 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 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 22 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 →

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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
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

2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Big Lottery Fund
A registered charge1 property13/07/2018—
outstanding
David Peter Sumsion
A registered charge1 property12/04/2018—
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