CAREOLIGY LIMITED

🏛️Establishedactive
SC595584 · ltd · incorporated 2018-04-27
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 7.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Other service activities n.e.c.
Sector: Other service activities
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 7.4y

70/100
ready

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

  • · Oldest live charge is 7.4 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

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
6 officers (5 active, 6 linked, 5 with DOB)
87
Ownership & PSC
0 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
30 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
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Apr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Average employees1100500

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

🔒Filing-note intelligence

1 signal 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
2
filings
  • • 2 officers
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2025-10-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2025-10-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  3. 2025-08-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2025-06-06
    ➖
    FAWNS, Sandra resigned
    director
  5. 2024-10-18
    📄
    resolution
    resolution · RESOLUTIONS
  6. 2024-10-18
    📄
    memorandum-articles
    incorporation · MA
  7. 2024-05-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2023-10-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2023-01-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2022-01-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2021-04-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2020-03-19
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2020-01-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2019-11-04
    📄
    notification-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC08
  15. 2019-05-01
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  16. 2019-02-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2019-02-18
    🔒
    Charge registered #3
    Lender: Bank of Scotland PLC
  18. 2019-01-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2019-01-16
    🔒
    Charge registered #2
    Lender: The Scottish Ministers
  20. 2018-12-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  21. 2018-12-17
    🔒
    Charge registered #1
    Lender: Bank of Scotland PLC
  22. 2018-07-04
    📄
    change-person-director-company-with-change-date
    officers · CH01
  23. 2018-06-20
    ➕
    CIARLETTA, Anne appointed
    director
  24. 2018-06-20
    ➕
    CUMMINGS, Catherine appointed
    director
  25. 2018-06-20
    ➕
    DOHERTY, Brigid appointed
    director
  26. 2018-06-20
    ➕
    FAWNS, Sandra appointed
    director
  27. 2018-04-27
    🏢
    Company incorporated
    As CAREOLIGY LIMITED
  28. 2018-04-27
    ➕
    HARDIE, Colin appointed
    secretary
  29. 2018-04-27
    ➕
    HARDIE, Colin David appointed
    director

Owner dependency

55/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 70 — succession pressure is live.

Succession & seller-readiness

60/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.

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

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
Incorporated2018-04-27
Jurisdictionscotland
Primary SIC96090 — Other service activities n.e.c.

Registered office

Hayfield Clinic
Dunnikier Road
Kirkcaldy
Fife
KY2 5AD
Scotland

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-05-10
Last: 2025-04-26

Officers (5 active · 1 resigned)

HARDIE, Colin→
secretary · appointed 2018-04-27
View their other companies + combined net worth →
Active
CIARLETTA, Anne→
director · ~60y · appointed 2018-06-20
View their other companies + combined net worth →
Active
CUMMINGS, Catherine→
director · ~70y · appointed 2018-06-20
View their other companies + combined net worth →
Active
DOHERTY, Brigid→
director · ~64y · appointed 2018-06-20
View their other companies + combined net worth →
Active
HARDIE, Colin David→
director · ~67y · appointed 2018-04-27
View their other companies + combined net worth →
Active
FAWNS, Sandra→
director · ~60y · appointed 2018-06-20 · resigned 2025-06-06
Resigned

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

Mortgages & charges

3
Total charges
3
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property18/02/2019—
outstanding
The Scottish Ministers
A registered charge1 property16/01/2019—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—17/12/2018—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (30 total)

change-person-director-company-with-change-date
officers · CH01
2025-10-28
termination-director-company-with-name-termination-date
officers · TM01
2025-10-28
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-29
resolution
resolution · RESOLUTIONS
2024-10-18
memorandum-articles
incorporation · MA
2024-10-18
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-02
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-02
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-03
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-07
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-27