PINE TREES CHILD CARE LIMITED
🌳Matureactive
SC435509 · ltd · incorporated 2012-10-25
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.
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 13.3y 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 snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2024
Net worth
£503.1k
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
3 live charges · oldest 13.3y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 13.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
42 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £503,078
Cash YoY
+5%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£403k
↑ 5.3% YoY
Net Worth
£503k
↑ 11% YoY
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-08-31 | 2023-08-31 |
|---|---|---|
| Cash | £402.6k | £382.4k |
| Net assets | £503.1k | £454.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2025-06-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-21📍move-registers-to-registered-office-company-with-new-addressaddress · AD04
- 2024-10-21📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-21📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-21📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-21📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-10-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-05-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-11-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-08-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-05-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2014-01-22🔒Charge registered #3Lender: Clydesdale Bank PLC
- 2013-04-02🔒Charge registered #2Lender: Clydesdale Bank PLC
- 2013-02-20🔒Charge registered #1Lender: Clydesdale Bank PLC
- 2012-10-25🏢Company incorporatedAs PINE TREES CHILD CARE LIMITED
- 2012-10-25➕CALDOW, Fiona Margaret appointeddirector
- 2012-10-25➕CALDOW, Scott William appointeddirector
Owner dependency
71/100
High — earn-out structure requiredMaterial 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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 14 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
49/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 14 years.
- 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Fiona Margaret Caldow Individual · British · DOB 02/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Scott William Caldow Individual · British · DOB 04/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
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 →Similar companies
Active · Trade services · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| EMERGENCY ONE (U.K.) LIMITED→ SC319443 · est 2007 | £11.21M £8.41M–£14.01M | — | — | 250 | 19y | 88 | 66y |
| MAXI GROUP LIMITED→ SC081671 · est 1983 | £8.02M £6.01M–£10.02M | — | — | 10 | 43y | 88 | 82y |
| CCL TECHLOGIX GROUP LTD→ SC542531 · est 2016 | £2.00M £1.50M–£2.50M | — | — | 0 | 9y | 81 | 70y |
| FAIRLIE COMMUNITY TRUST→ SC334426 · est 2007 · no financials extracted | — | — | — | — | 18y | 83 | 90y |
| GWF GENERATORS LIMITED→ SC383281 · est 2010 | — | — | £605.0k | — | 15y | 83 | 71y |
| KELVIN TOP-SET LIMITED→ SC342121 · est 2008 | — | — | — | 1200 | 18y | 83 | 80y |
| RICHARD HEALEY REMOVALS LIMITED→ SC275306 · est 2004 | — | — | £433.7k | — | 21y | 83 | 78y |
| ELIZABETH WALLACE BRIDAL LIMITED→ SC266999 · est 2004 | — | — | £117.9k | — | 22y | 82 | 61y |
| ETEK EUROPE LIMITED→ SC317060 · est 2007 | — | — | £1.37M | — | 19y | 82 | 60y |
| HADDOCKSTON ESTATE LIMITED→ SC344125 · est 2008 | — | — | — | 0 | 18y | 82 | 79y |
| K.A.D.I.F.S. LIMITED→ SC248879 · est 2003 | — | — | — | 1100 | 23y | 82 | 72y |
| KIDSTORE CHILDCARE LIMITED→ SC368198 · est 2009 | — | — | — | — | 16y | 82 | 73y |
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
Incorporated2012-10-25
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.
Registered office
Doonbrae House
40 Alloway
Ayr
KA7 4PQ
United Kingdom
Filing status
Accounts
Next due: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-11-04
Last: 2025-10-21
Officers (2 active · 0 resigned)
CALDOW, Fiona Margaret→
Activedirector · ~46y · appointed 2012-10-25
View their other companies + combined net worth →
CALDOW, Scott William→
Activedirector · ~46y · appointed 2012-10-25
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 22/01/2014 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC | Standard security | 1 property | 02/04/2013 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 20/02/2013 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (42 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-02
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-21
move-registers-to-registered-office-company-with-new-address
address · AD04
2024-10-21
change-person-director-company-with-change-date
officers · CH01
2024-10-21
change-person-director-company-with-change-date
officers · CH01
2024-10-21
change-person-director-company-with-change-date
officers · CH01
2024-10-21
change-person-director-company-with-change-date
officers · CH01
2024-10-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-31
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-01