STERLING CARE GROUP LIMITED

🌳Matureactive
SC350350 · ltd · incorporated 2008-10-23
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 17.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Residential nursing care activities
Sector: Human health & social work
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. 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 (65/100).

🏦

Refinance opportunity

2 live charges · oldest 17.4y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 17.4 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 (59/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
62 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-04-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-01-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-01-13
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  4. 2024-01-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-01-09
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  6. 2022-12-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-12-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-12-01
    📄
    capital-alter-shares-subdivision
    capital · SH02
  10. 2020-11-30
    📄
    resolution
    resolution · RESOLUTIONS
  11. 2020-11-19
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  12. 2020-11-19
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2020-11-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2020-11-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2020-11-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2020-11-09
    ➕
    MOHAMMED, Usman appointed
    director
  17. 2019-10-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2018-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2008-12-08
    🔒
    Charge registered #2
    Lender: Clydesdale Bank PLC
  20. 2008-12-08
    🔒
    Charge registered #1
    Lender: Clydesdale Bank PLC
  21. 2008-12-05
    ➕
    MOHAMMED, Arti appointed
    director
  22. 2008-12-05
    ➖
    HBJGW SECRETARIAL LIMITED resigned
    corporate-secretary
  23. 2008-12-05
    ➖
    ALMOND, Deborah Jane resigned
    director
  24. 2008-10-23
    🏢
    Company incorporated
    As STERLING CARE GROUP LIMITED
  25. 2008-10-23
    ➕
    HBJGW SECRETARIAL LIMITED appointed
    corporate-secretary
  26. 2008-10-23
    ➕
    ALMOND, Deborah Jane appointed
    director

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

59/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 17 years.
  • secondaryStable-but-static management: Company is 18 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.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Usman Mohammed
Individual · British · DOB 11/1992 · age 34
25–50%
25–50%board control25-50% shares · 25-50% voting · board control09/11/2020
Mrs Arti Mohammed
Individual · British · DOB 11/1983 · age 43
25–50%
25–50%board control25-50% shares · 25-50% voting · board control06/04/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2008-10-23
Jurisdictionscotland
Primary SIC87100 — Residential nursing care activities

Registered office

Nightingale Nursing Home
5 Mansionhouse Road
Paisley
PA1 3RG

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-06
Last: 2025-10-23

Officers (2 active · 2 resigned)

MOHAMMED, Arti→
director · ~43y · appointed 2008-12-05
View their other companies + combined net worth →
Active
MOHAMMED, Usman→
director · ~34y · appointed 2020-11-09
View their other companies + combined net worth →
Active
HBJGW SECRETARIAL LIMITED→
corporate-secretary · appointed 2008-10-23 · resigned 2008-12-05
Resigned
ALMOND, Deborah Jane→
director · ~61y · appointed 2008-10-23 · resigned 2008-12-05
Resigned

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
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC
Floating charge1 property08/12/2008—
outstanding
Virgin Money
Clydesdale Bank PLC
Floating charge1 property08/12/2008—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (62 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-07
gazette-filings-brought-up-to-date
gazette · DISS40
2024-01-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-12
gazette-notice-compulsory
gazette · GAZ1
2024-01-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-23
confirmation-statement-with-updates
confirmation-statement · CS01
2021-10-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-29
capital-alter-shares-subdivision
capital · SH02
2020-12-01
resolution
resolution · RESOLUTIONS
2020-11-30