CADHAM PHARMACY LIMITED

💤Zombieactive
SC436663 · ltd · incorporated 2012-11-12
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£127.5k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Specialist medical practice activities
Sector: Human health & social work
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 79/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 13.1y

15/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 13.1 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Distress signals active — lender appetite narrows.

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
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
37 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
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 £127,493

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£127k
↑ 489% YoY
Current Assets
£1.8m
↑ 386% YoY
Current Liabilities
—
-£33k£327k£686k£1.0m£1.4m£1.8mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£127.5k£-8.5k
Current assets£1.76M£363.1k
Cash—£265
Debtors—£286.4k
Net assets£127.5k£-32.7k

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

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 (21 events)Click to expand
  1. 2026-03-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-12-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-12-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-07-07
    📄
    mortgage-alter-floating-charge-with-number
    mortgage · 466(Scot)
  5. 2023-07-07
    📄
    mortgage-alter-floating-charge-with-number
    mortgage · 466(Scot)
  6. 2023-07-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2023-06-29
    🔒
    Charge registered #3
    Lender: Lloyds Bank Commercial Finance Limited
  8. 2022-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2021-12-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2021-02-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-07-29
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2020-07-29
    🔓
    Charge satisfied #2
  13. 2019-11-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2016-12-21
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2015-12-03
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  18. 2013-08-28
    🔒
    Charge registered #2
    Lender: Barclay Pharmaceuticals Limited
  19. 2013-03-21
    🔒
    Charge registered #1
    Lender: Bank of Scotland PLC
  20. 2012-11-12
    🏢
    Company incorporated
    As CADHAM PHARMACY LIMITED
  21. 2012-11-12
    ➕
    BROWN, Bernadette appointed
    director

Owner dependency

88/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.
  • +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

68/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 13 years.
  • 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Ms Bernadette Brown
Individual · British · DOB 06/1965 · age 61
75–100%
—75-100% shares06/04/2016

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

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
Incorporated2012-11-12
Jurisdictionscotland
Primary SIC86220 — Specialist medical practice activities

Registered office

8 Cadham Centre
Glenrothes
Fife
KY7 6RU

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 (1 active · 0 resigned)

BROWN, Bernadette→
director · ~61y · appointed 2012-11-12
View their other companies + combined net worth →
Active

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

Mortgages & charges

3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Lloyds Banking Group
Lloyds Bank Commercial Finance Limited
A registered charge—29/06/2023—
satisfied
Barclay Pharmaceuticals / Aah Pharmaceuticals
Barclay Pharmaceuticals Limited / Aah Pharmaceuticals Limited
A registered charge—28/08/201329/07/2020
outstanding
Lloyds Banking Group
Bank of Scotland PLC
Floating charge1 property21/03/2013—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (37 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-13
mortgage-alter-floating-charge-with-number
mortgage · 466(Scot)
2023-07-07
mortgage-alter-floating-charge-with-number
mortgage · 466(Scot)
2023-07-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-01
confirmation-statement-with-updates
confirmation-statement · CS01
2021-01-22