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Registered number: 13411296







GRAHAM CARE (BL) LIMITED
ANNUAL REPORT AND FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024






















TWP Accounting LLP
Chartered Accountants & Statutory Auditors
The Old Rectory
Church Street
Weybridge
Surrey
KT13 8DE

 
GRAHAM CARE (BL) LIMITED
 

COMPANY INFORMATION


Directors
W E Graham 
Dr K E Graham 




Registered number
13411296



Registered office
20 Cranley Road
Hersham

Walton-On-Thames

Surrey

KT12 5BP




Independent auditor
TWP Accounting LLP
Chartered Accountants & Statutory Auditors

The Old Rectory

Church Street

Weybridge

Surrey

KT13 8DE





 
GRAHAM CARE (BL) LIMITED
 

CONTENTS



Page
Group Strategic Report
1 - 3
Directors' Report
4 - 5
Independent Auditor's Report
6 - 9
Consolidated Statement of Comprehensive Income
10
Consolidated Balance Sheet
11
Company Balance Sheet
12
Consolidated Statement of Changes in Equity
13
Company Statement of Changes in Equity
14
Notes to the Financial Statements
15 - 27


 
GRAHAM CARE (BL) LIMITED
 

GROUP STRATEGIC REPORT
FOR THE YEAR ENDED 31 DECEMBER 2024

Introduction
 
We aim to present a balanced and comprehensive review of the development and performance of our business during the period and its position at the period end. Our review is consistent with the size and non-complex nature of our business and is written in the context of the risks and uncertainties we face.

We develop and operate high quality homes for people with high dependency long term care needs, ranging from older people with dementia to younger people with severe disabilities.
At the end of 2024, we owned and operated two care homes, Cornford House in Tunbridge Wells, Kent, providing long term care for around 74 people and Whitstable House in Whitstable, Kent which newly opened to residents in 2024 and provided care for around 32 people.
We consider that our key financial performance indicators are those that communicate the financial performance and strength of the group, these being:

Key performance indicators
 



     2024
     2023
Turnover
 £10,277,185
 £5,963,327
EBITDAR
 £4,185,129
 £2,474,300

Page 1

 
GRAHAM CARE (BL) LIMITED
 

GROUP STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024

Occupancy, turnover and EBITDAR have all increased when compared to the previous year and reflects the recovery from the impact of the COVID-19 pandemic and the opening of Whitstable House which provided care for around 32 residents on average for the 2024 year.
Cornford House Limited has a resident capacity of 77 and Whitstable House Limited current resident capacity is 101.
We consistently strive to maintain high quality standards. The Directors continue to take immediate measured steps to address and deal with any matters requiring improvement including and not limited to the agreement of specific action plans with the CQC.
 
Uncertainty remains around the increases in staffing costs arising from increases in the National Living Wage and Employer’s National Insurance Contributions. This could put downward pressure on future profitability of the business. However, the government’s continued commitment to including care work on the shortage occupations list means that the necessary number of care workers can be recruited from abroad so that the business can maintain full staffing continuously. We expect this to continue for the foreseeable future.

Our main distinguishing features are considered to be:
1. Care Suites
Our new developments are based around the "care suite" model, which provides 20-27m2 for each resident (vs. 15m-18m2 in a purpose build care home) so that they can consider the suite to be their home rather than their bed-room. Residents occupy these suites under Tenancy Agreements and we provide their care through a domiciliary arrangement. Under this regime, residents who are eligible for government funding can receive a wider range of benefits (e.g. attendance allowance, housing benefit, etc.) which compensate for the additional build cost of the extra floor area.
2. Relationship Centred Care TM
We have adopted Relationship Centred Care™ as our principal approach to care provision, with the aim of building stronger relationships between residents, staff, relatives, friends, etc. This takes the well-established concept of Person Centred Care one step further with the recognition that to enable residents to be happy and fulfilled; we need to get to know them better and to understand their past and present relationships with others.
3. Servant leadership
Servant Leadership is based on the desire to serve others. The servant-leader essentially acts as servant, rather than as a master. "Service" in this context is not to be confused with "servitude." Servitude implies being in a one down position to another person and giving from a place of "need to" or "have to.” True service, by contrast, stems from a desire to give from the heart. It is freely shared without first seeking something in return. The sheer joy of giving is the reward gained from this level of service.
Most organisations today still lead by a Command & Control style of leadership. Servant Leadership is a more consensual form of leadership that recognises the value of people to fulfil the organisation's mission. It is about engaging everyone involved and using their talents to the full.
Against this background, we feel that the company is well positioned to continue its investment in new facilities and to reinforce its position as a leading provider of long  term care in each of the areas in which it operates.

Page 2

 
GRAHAM CARE (BL) LIMITED
 

GROUP STRATEGIC REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024

Directors' statement of compliance with duty to promote the success of the Group
 
The directors of Graham Care (BL) Limited consider, both individually and together, that they have acted in the way they consider, in good faith, would be most likely to promote the  success of the Company and the Group for the benefit of its members as a whole (having regard to the stakeholders and matters set out in section 172(1)(af) of the Companies Act 2006) in the decisions taken during the year ended 31 December 2024.

Post Balance Sheet Events
On 18 August 2025, the Company sold its entire shareholding of Cornford House Limited, a wholly owned subsidiary


This report was approved by the board on 19 September 2025 and signed on its behalf.







................................................
W E Graham
Director

Page 3

 
GRAHAM CARE (BL) LIMITED
 

 
DIRECTORS' REPORT
FOR THE YEAR ENDED 31 DECEMBER 2024

The directors present their report and the financial statements for the year ended 31 December 2024.

Principal activity

The principal activity of the group was the provision of accommodation and care for people with on-going personal and nursing care needs.  

Results and dividends

The profit for the year, after taxation, amounted to £1,576,904 (2023 - loss £180,577).

The directors do not recommend the paying of a dividend.

Directors

The directors who served during the year were:

W E Graham 
Dr K E Graham 

Directors' responsibilities statement

The directors are responsible for preparing the Group Strategic Report, the Directors' Report and the consolidated financial statements in accordance with applicable law and regulations.
 
Company law requires the directors to prepare financial statements for each financial year. Under that law the directors have elected to prepare the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice), including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland'. Under company law the directors must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the Company and the Group and of the profit or loss of the Group for that period.

 In preparing these financial statements, the directors are required to:


select suitable accounting policies for the Group's financial statements and then apply them consistently;

make judgments and accounting estimates that are reasonable and prudent;

prepare the financial statements on the going concern basis unless it is inappropriate to presume that the Group will continue in business.

The directors are responsible for keeping adequate accounting records that are sufficient to show and explain the Company's transactions and disclose with reasonable accuracy at any time the financial position of the Company and the Group and to enable them to ensure that the financial statements comply with the Companies Act 2006They are also responsible for safeguarding the assets of the Company and the Group and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Employee involvement

The group operates a framework for employee information and consultation, which complies with the requirements of the Information and Consultation of Employees Regulations 2004. During the year, the policy of providing employees with information about the group has continued by holding regular meetings between local management and employees. These meetings allow a free flow of information and ideas.

Page 4

 
GRAHAM CARE (BL) LIMITED
 

 
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024

Engagement with suppliers, customers and others

We aim to treat our supply chains fairly and transparently and to work together to deliver high quality care to our residents. Our industry needs are changing, becoming more complex and requiring increasing levels of investment in technology. It is critically important that we listen closely to our customers, be easy to work with and deliver industry leading care. The Company continues to engage directly with its suppliers and customers.

Disabled employees

The group gives full consideration to applications for employment from disabled persons where the candidate's particular aptitudes and abilities are consistent with adequately meeting the requirements of the job. Opportunities are available to disabled employees for training, career development and promotion. Where existing employees become disabled, it is the group's policy to provide continuing employment wherever practicable in the same or an alternative position and to provide appropriate training to achieve this aim.

Greenhouse gas emissions, energy consumption and energy efficiency action

The group consists of a medium sized subsidiary and the company’s energy consumption is below 40,000 kWh per annum. The company and group are exempt from providing the disclosures set out in the Streamlined Energy and Carbon Reporting (SECR) requirements.

Disclosure of information to auditor

Each of the persons who are directors at the time when this Directors' Report is approved has confirmed that:
 
so far as the director is aware, there is no relevant audit information of which the Company and the Group's auditor is unaware, and

the director has taken all the steps that ought to have been taken as a director in order to be aware of any relevant audit information and to establish that the Company and the Group's auditor is aware of that information.

Post balance sheet events

On 18 August 2025, the Company sold its entire shareholding of Cornford House Limited, a wholly owned subsidiary. The Company has simultaneously settled its bank loan facility.

Auditor

The auditor, TWP Accounting LLPwill be proposed for reappointment in accordance with section 485 of the Companies Act 2006.

This report was approved by the board on 19 September 2025 and signed on its behalf.
 







................................................
W E Graham
Director

Page 5

 
GRAHAM CARE (BL) LIMITED
 

 
INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF GRAHAM CARE (BL) LIMITED
 

Opinion


We have audited the financial statements of Graham Care (BL) Limited (the 'parent Company') and its subsidiaries (the 'Group') for the year ended 31 December 2024, which comprise the Consolidated Statement of Comprehensive Income, the Consolidated Balance Sheet, the Company Balance Sheet, the Consolidated Statement of Changes in Equity, the Company Statement of Changes in Equity and the related notes, including a summary of significant accounting policiesThe financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland' (United Kingdom Generally Accepted Accounting Practice).


In our opinion the financial statements:


give a true and fair view of the state of the Group's and of the parent Company's affairs as at 31 December 2024 and of the Group's profit for the year then ended;
have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice; and
have been prepared in accordance with the requirements of the Companies Act 2006.


Basis for opinion


We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditor's responsibilities for the audit of the financial statements section of our report. We are independent of the Group in accordance with the ethical requirements that are relevant to our audit of the financial statements in the United Kingdom, including the Financial Reporting Council's Ethical Standard and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.


Conclusions relating to going concern


In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.


Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Group's or the parent Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.


Our responsibilities and the responsibilities of the directors with respect to going concern are described in the relevant sections of this report.


Page 6

 
GRAHAM CARE (BL) LIMITED
 

 
INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF GRAHAM CARE (BL) LIMITED (CONTINUED)


Other information


The other information comprises the information included in the Annual Report other than the financial statements and our Auditor's Report thereon. The directors are responsible for the other information contained within the Annual ReportOur opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon. Our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the course of the audit, or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether this gives rise to a material misstatement in the financial statements themselves. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.


We have nothing to report in this regard.


Opinion on other matters prescribed by the Companies Act 2006
 

In our opinion, based on the work undertaken in the course of the audit:


the information given in the Group Strategic Report and the Directors' Report for the financial year for which the financial statements are prepared is consistent with the financial statements; and
the Group Strategic Report and the Directors' Report have been prepared in accordance with applicable legal requirements.


Matters on which we are required to report by exception
 

In the light of the knowledge and understanding of the Group and the parent Company and its environment obtained in the course of the audit, we have not identified material misstatements in the Group Strategic Report or the Directors' Report.


We have nothing to report in respect of the following matters in relation to which the Companies Act 2006 requires us to report to you if, in our opinion:


adequate accounting records have not been kept by the parent Company, or returns adequate for our audit have not been received from branches not visited by us; or
the parent Company financial statements are not in agreement with the accounting records and returns; or
certain disclosures of directors' remuneration specified by law are not made; or
we have not received all the information and explanations we require for our audit.


Responsibilities of directors
 

As explained more fully in the Directors' Responsibilities Statement set out on page 4, the directors are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the directors determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.


In preparing the financial statements, the directors are responsible for assessing the Group's and the parent Company's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the directors either intend to liquidate the Group or the parent Company or to cease operations, or have no realistic alternative but to do so.


Page 7

 
GRAHAM CARE (BL) LIMITED
 

 
INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF GRAHAM CARE (BL) LIMITED (CONTINUED)


Auditor's responsibilities for the audit of the financial statements
 

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an Auditor's Report that includes our opinion. Reasonable assurance is a high level of assurance, but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these Group financial statements.


Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below:
Obtain an understanding of the policies and procedures management have in place to detect and prevent fraud and non-compliance with laws and regulations.
Enquire of management any cases of actual or suspected fraud and non-compliance with laws and regulations.
Enquire of management, those charged with governance and the entity’s solicitors around actual and potential litigation and claims. 
Reviewing minutes of meetings of those charged with governance.
Reviewing financial statement disclosures and testing to supporting documentation to assess compliance with applicable laws and regulations.
Assess the key risk areas within the financial statements which are susceptible to fraud or error and design our audit approach thereon.
Perform substantive tests on a sample of transactions throughout the financial statements to ensure that no material errors have been identified.
Perform cut off tests on a sample of transactions to ensure income has been accounted for in the correct period.
Review of after year end information to ensure expenditure has been accounted for in the correct period.
Perform analytical review procedures to identify any irregularities and investigation thereon.
Auditing the risk of management override of controls, including through testing journal entries and other adjustments for appropriateness, and evaluating the business rationale of significant transactions outside the normal course of business.


A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council's website at: www.frc.org.uk/auditorsresponsibilities. This description forms part of our Auditor's Report.


Page 8

 
GRAHAM CARE (BL) LIMITED
 

 
INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF GRAHAM CARE (BL) LIMITED (CONTINUED)


Use of our report
 

This report is made solely to the Company's members, as a body, in accordance with Chapter 3 of Part 16 of the Companies Act 2006Our audit work has been undertaken so that we might state to the Company's members those matters we are required to state to them in an Auditor's Report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the Company and the Company's members, as a body, for our audit work, for this report, or for the opinions we have formed.







Philip Munk FCA, FCCA (Senior Statutory Auditor)
  
for and on behalf of
TWP Accounting LLP
 
Chartered Accountants
Statutory Auditors
  
The Old Rectory
Church Street
Weybridge
Surrey
KT13 8DE

20 September 2025
Page 9

 
GRAHAM CARE (BL) LIMITED
 

CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 DECEMBER 2024

2024
2023
Note
£
£

  

Turnover
 3 
10,277,185
5,963,327

Cost of sales
  
(6,095,056)
(3,490,360)

Gross profit
  
4,182,129
2,472,967

Administrative expenses
  
(258,012)
(173,630)

Other operating income
 4 
3,000
1,333

Operating profit
 5 
3,927,117
2,300,670

Interest payable and similar expenses
 8 
(1,526,620)
(1,588,960)

Profit before taxation
  
2,400,497
711,710

Tax on profit
 10 
(823,593)
(892,287)

Profit/(loss) for the financial year
  
1,576,904
(180,577)

  

Unrealised surplus on revaluation of tangible fixed assets
  
15,260,000
4,097,384

Deferred tax on revaluation of freehold property
  
(3,815,000)
(1,024,346)

Other comprehensive income for the year
  
11,445,000
3,073,038

Total comprehensive income for the year
  
13,021,904
2,892,461

Profit/(loss) for the year attributable to:
  

Owners of the parent Company
  
1,576,904
(180,577)

  
1,576,904
(180,577)

There were no recognised gains and losses for 2024 or 2023 other than those included in the consolidated statement of comprehensive income.

The notes on pages 15 to 27 form part of these financial statements.

Page 10

 
GRAHAM CARE (BL) LIMITED
REGISTERED NUMBER: 13411296

CONSOLIDATED BALANCE SHEET
AS AT 31 DECEMBER 2024

2024
2023
Note
£
£

Fixed assets
  

Tangible assets
 11 
59,079,501
43,533,388

  
59,079,501
43,533,388

Current assets
  

Stocks
 13 
10,663
4,230

Debtors: amounts falling due within one year
 14 
23,040,305
20,619,888

Cash at bank and in hand
 15 
260,886
183,041

  
23,311,854
20,807,159

Creditors: amounts falling due within one year
 16 
(28,381,969)
(22,483,753)

Net current liabilities
  
 
 
(5,070,115)
 
 
(1,676,594)

Total assets less current liabilities
  
54,009,386
41,856,794

Creditors: amounts falling due after more than one year
 17 
(17,339,526)
(22,634,534)

Provisions for liabilities
  

Deferred taxation
 18 
(8,811,610)
(4,385,914)

  
 
 
(8,811,610)
 
 
(4,385,914)

Net assets
  
27,858,250
14,836,346


Capital and reserves
  

Called up share capital 
 19 
100
100

Revaluation reserve
 20 
24,517,838
13,072,838

Profit and loss account
 20 
3,340,312
1,763,408

  
27,858,250
14,836,346


The financial statements were approved and authorised for issue by the board and were signed on its behalf on 19 September 2025.





................................................
W E Graham
Director

The notes on pages 15 to 27 form part of these financial statements.

Page 11

 
GRAHAM CARE (BL) LIMITED
REGISTERED NUMBER: 13411296

COMPANY BALANCE SHEET
AS AT 31 DECEMBER 2024

2024
2023
Note
£
£

Fixed assets
  

Investments
 12 
2,000
2,000

  
2,000
2,000

Current assets
  

Debtors: amounts falling due within one year
 14 
21,322,293
18,293,875

  
21,322,293
18,293,875

Creditors: amounts falling due within one year
 16 
(1,000,890)
(996,559)

Net current assets
  
 
 
20,321,403
 
 
17,297,316

Total assets less current liabilities
  
20,323,403
17,299,316

  

Creditors: amounts falling due after more than one year
 17 
(17,339,526)
(17,339,526)

  

Net assets/(liabilities)
  
2,983,877
(40,210)


Capital and reserves
  

Called up share capital 
 19 
100
100

Profit and loss account brought forward
  
(40,310)
5,000

Profit/(loss) for the year
  
3,024,087
(45,310)

Profit and loss account carried forward
  
2,983,777
(40,310)

  
2,983,877
(40,210)


The financial statements were approved and authorised for issue by the board and were signed on its behalf on 19 September 2025.






................................................
W E Graham
Director

The notes on pages 15 to 27 form part of these financial statements.

Page 12

 
GRAHAM CARE (BL) LIMITED
 

CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2024


Called up share capital
Revaluation reserve
Profit and loss account
Total equity

£
£
£
£


At 1 January 2023
100
9,999,800
1,943,985
11,943,885


Comprehensive income for the year

Loss for the year
-
-
(180,577)
(180,577)

Surplus on revaluation of freehold property
-
4,097,384
-
4,097,384


Deferred tax on revaluation of freehold properties
-
(1,024,346)
-
(1,024,346)
Total comprehensive income for the year
-
3,073,038
(180,577)
2,892,461



At 1 January 2024
100
13,072,838
1,763,408
14,836,346


Comprehensive income for the year

Profit for the year
-
-
1,576,904
1,576,904

Surplus on revaluation of freehold property
-
15,260,000
-
15,260,000

Deferred tax on revaluation of freehold properties
-
(3,815,000)
-
(3,815,000)
Total comprehensive income for the year
-
11,445,000
1,576,904
13,021,904


At 31 December 2024
100
24,517,838
3,340,312
27,858,250


The notes on pages 15 to 27 form part of these financial statements.

Page 13

 
GRAHAM CARE (BL) LIMITED
 

COMPANY STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2024


Called up share capital
Profit and loss account
Total equity

£
£
£


At 1 January 2023
100
5,000
5,100


Comprehensive income for the year

Loss for the year
-
(45,310)
(45,310)


Total transactions with owners
-
-
-



At 1 January 2022
100
(40,310)
(40,210)


Comprehensive income for the year

Profit for the year
-
3,024,087
3,024,087


Total transactions with owners
-
-
-


At 31 December 2024
100
2,983,777
2,983,877


The notes on pages 15 to 27 form part of these financial statements.

Page 14

 
GRAHAM CARE (BL) LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

1.


General information

Graham Care (BL) Limited is incorporated in England and Wales and limited by shares. The address of the registered office is given in the company information of these financial statements. The nature of the company's operations and principal activity is a holding company.

2.Accounting policies

 
2.1

Basis of preparation of financial statements

The financial statements have been prepared under the historical cost convention unless otherwise specified within these accounting policies and in accordance with Financial Reporting Standard 102, the Financial Reporting Standard applicable in the UK and the Republic of Ireland and the Companies Act 2006.

The financial statements are presented in sterling which is the functional currency of the company and rounded to the nearest £.

The preparation of financial statements in compliance with FRS 102 requires the use of certain critical accounting estimates. It also requires Group management to exercise judgment in applying the Group's accounting policies.

The Company has taken advantage of the exemption allowed under section 408 of the Companies Act 2006 and has not presented its own Statement of Comprehensive Income in these financial statements.

The company have taken exemption from preparing a cashflow statement. The consolidated results and cashflow statements for the company are included within the publicly available financial statements of Blackstown Holdings Limited.

The following principal accounting policies have been applied:

 
2.2

Basis of consolidation

The consolidated financial statements present the results of the Company and its own subsidiaries ("the Group") as if they form a single entity. Intercompany transactions and balances between group companies are therefore eliminated in full.
The consolidated financial statements incorporate the results of business combinations using the purchase method. In the Balance Sheet, the acquiree's identifiable assets, liabilities and contingent liabilities are initially recognised at their fair values at the acquisition date. The results of acquired operations are included in the Consolidated Statement of Comprehensive Income from the date on which control is obtained. They are deconsolidated from the date control ceases.
In accordance with the transitional exemption available in FRS 102, the Group has chosen not to retrospectively apply the standard to business combinations that occurred before the date of transition to FRS 102, being 01 January 2014.

 
2.3

Going concern

The Directors are confident that the Group and the company has adequate financial resources to continue and adopt the going concern basis in preparing the annual report and financial statements.

Page 15

 
GRAHAM CARE (BL) LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.4

Turnover

Turnover comprises revenue recognised by the Group in respect of nursing and residential care services during the year, exclusive of Value Added Tax and trade discounts.
Income is recognised based on occupancy during the reporting period and adjustment is made for any amounts received in advance or arrears.

 
2.5

Tangible fixed assets

Tangible fixed assets are stated at cost less depreciation.  Depreciation is provided at rates calculated to write off the cost of fixed assets, less their estimated residual value, over their expected useful lives on the following bases:
Equipment                                -     Items under £500 - 50% straight line
                                                -     Items above £500 - 15% reducing balance



 
2.6

Revaluation of tangible fixed assets

Individual freehold and leasehold properties are carried at current year value at fair value at the date of the revaluation less any subsequent accumulated depreciation and subsequent accumulated impairment losses. Revaluations are undertaken with sufficient regularity to ensure the carrying amount does not differ materially from that which would be determined using fair value at the balance sheet date.
Fair values are determined from market based evidence normally undertaken by professionally qualified valuers.
Revaluation gains and losses are recognised in other comprehensive income unless losses exceed the previously recognised gains or reflect a clear consumption of economic benefits, in which case the excess losses are recognised in profit or loss.
The freehold property used by the group are recognised as tangible fixed assets and any associated gains and losses and deferred taxation thereon are recognised in the revaluation reserve.

 
2.7

Valuation of investments

Investments in subsidiaries are measured at cost less accumulated impairment.

 
2.8

Stocks

Stocks are valued at the lower of cost and net realisable value after making due allowance for obsolete and slow-moving stocks. Cost is calculated using the first-in, first-out formula. Provision is made for damaged, obsolete and slow-moving stock where appropriate.

 
2.9

Debtors

Short-term debtors are measured at transaction price, less any impairment. Loans receivable are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost using the effective interest method, less any impairment.

Page 16

 
GRAHAM CARE (BL) LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.10

Cash and cash equivalents

Cash is represented by cash in hand and deposits with financial institutions repayable without penalty on notice of not more than 24 hours.

 
2.11

Financial instruments

The Group only enters into basic financial instrument transactions that result in the recognition of financial assets and liabilities like trade and other debtors and creditors, loans from banks and other third parties, loans to related parties and investments in ordinary shares.

For financial assets measured at cost less impairment, the impairment loss is measured as the difference between an asset's carrying amount and best estimate of the recoverable amount, which is an approximation of the amount that the Group would receive for the asset if it were to be sold at the balance sheet date.

 
2.12

Creditors

Short-term creditors are measured at the transaction price. Other financial liabilities, including bank loans, are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost using the effective interest method.

 
2.13

Government grants

Grants are accounted under the accruals model as permitted by FRS 102. Grants of a revenue nature are recognised in the Statement of Income and Retained Earnings in the same period as the related expenditure.

 
2.14

Finance costs

Finance costs are charged to profit or loss over the term of the debt using the effective interest method so that the amount charged is at a constant rate on the carrying amount. Issue costs are initially recognised as a reduction in the proceeds of the associated capital instrument.

 
2.15

Pensions

When employees have rendered service to the group, short-term employee benefits to which the employees are entitled are recognised at the undiscounted amount expected to be paid in exchange for that service.
The group operates a defined contribution plan for the benefit of its employees.  Contributions are expensed as they become payable. 

Page 17

 
GRAHAM CARE (BL) LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.16

Current and deferred taxation

Full provision is made for deferred tax assets and liabilities arising from all timing differences between the recognition of gains and losses in the financial statements and recognition in the tax computation.
A net deferred tax asset is recognised only if it can be regarded as more likely than not that there will be suitable taxable profits from which the future reversal of the underlying timing differences can be deducted.
Deferred tax assets and liabilities are calculated at the tax rates expected to be effective at the time the timing differences are expected to reverse.
Deferred tax assets and liabilities are not discounted.

  
2.17

Dividends

Equity dividends are recognised when they become legally payable. Interim equity dividends are recognised when paid. Final equity dividends are recognised when approved by the shareholders at an annual general meeting.


3.


Turnover

The whole of the turnover is attributable to the provision of residential care services.

All turnover arose within the United Kingdom.


4.


Other operating income

2024
2023
£
£

Government grants receivable
3,000
1,333

3,000
1,333



5.


Operating profit

The operating profit is stated after charging:

2024
2023
£
£

Depreciation
141,073
94,316

Page 18

 
GRAHAM CARE (BL) LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

6.


Auditor's remuneration

During the year, the Group obtained the following services from the Company's auditor:


2024
2023
£
£

Auditor's remuneration
28,470
18,420

The Company has taken advantage of the exemption not to disclose amounts paid for non-audit services as these are disclosed in the consolidated accounts of the parent Company.


7.


Employees

Staff costs were as follows:


Group
Group
2024
2023
£
£


Wages and salaries
4,196,941
2,277,919

Social security costs
416,763
224,999

Cost of defined contribution scheme
83,143
50,798

4,696,847
2,553,716


The average monthly number of employees, excluding the directors not paid through the group, during the year was as follows:


        2024
        2023
            No.
            No.







Care home staff
155
83

The Company has no employees other than the directors, who did not receive any remuneration (2023 - £NIL)

8.


Interest payable and similar expenses

Group
2024
Group
2023
£
£


Bank interest payable
1,526,620
1,219,435

Non trading loan interest payable to group undertakings
-
369,525

1,526,620
1,588,960

Page 19

 
GRAHAM CARE (BL) LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

9.


Parent company profit for the year

The Company has taken advantage of the exemption allowed under section 408 of the Companies Act 2006 and has not presented its own Statement of Comprehensive Income in these financial statements. The profit after tax of the parent Company for the year was £3,024,087 (2023 - loss £45,310).


10.


Taxation


2024
2023
£
£

Corporation tax


Current tax on profits for the year
212,897
-

Adjustments in respect of previous periods
-
13,983


Total current tax
212,897
13,983

Deferred tax


Origination and reversal of timing differences
610,696
878,304

Total deferred tax
610,696
878,304


Taxation on profit on ordinary activities
823,593
892,287
Page 20

 
GRAHAM CARE (BL) LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
 
10.Taxation (continued)


Factors affecting tax charge for the year

The tax assessed for the year is higher than (2023 - higher than) the standard rate of corporation tax in the UK of 25% (2023 - 25%). The differences are explained below:

2024
2023
£
£


Profit on ordinary activities before tax
2,400,497
711,710


Profit on ordinary activities multiplied by standard rate of corporation tax in the UK of 25% (2023 - 25%)
600,124
177,928

Effects of:


Expenses not deductible for tax purposes, other than goodwill amortisation and impairment
-
92,380

Capital allowances for year in excess of depreciation
(180,960)
(1,198,645)

Adjustments to tax charge in respect of prior periods
-
13,983

Increase or decrease in pension fund prepayment leading to an increase (decrease) in tax
1,058
259

Short-term timing difference leading to an increase (decrease) in taxation
610,696
878,304

Book profit on chargeable assets
15,879
14,231

Unrelieved tax losses carried forward
(444,538)
306,770

Group relief
221,334
607,077

Total tax charge/(credit) for the year
823,593
892,287


Factors that may affect future tax charges

There were no factors that may affect future tax charges.

Page 21

 
GRAHAM CARE (BL) LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

11.


Tangible fixed assets

Group






Freehold property
Equipment
Total

£
£
£



Cost or valuation


At 1 January 2024
43,080,000
845,844
43,925,844


Additions
-
490,702
490,702


Disposals
-
(179,445)
(179,445)


Revaluations
15,260,000
-
15,260,000



At 31 December 2024

58,340,000
1,157,101
59,497,101



Depreciation


At 1 January 2024
-
392,456
392,456


Charge for the year on owned assets
-
141,073
141,073


Disposals
-
(115,929)
(115,929)



At 31 December 2024

-
417,600
417,600



Net book value



At 31 December 2024
58,340,000
739,501
59,079,501



At 31 December 2023
43,080,000
453,388
43,533,388

Cost or valuation at 31 December 2024 is as follows:

Land and buildings
£


At cost
26,484,390
At valuation:

Revaluation surplus as at 31 December 2024
31,855,610



58,340,000

Page 22

 
GRAHAM CARE (BL) LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

           11.Tangible fixed assets (continued)

If the land and buildings had not been included at valuation they would have been included under the historical cost convention as follows:

2024
2023
£
£

Group


Cost
26,484,390
26,484,390

Accumulated depreciation
(1,244,596)
(988,634)

Net book value
25,239,794
25,495,756

The land and buildings were revalued as at 31 December 2024 by Henry Harris MRICS of Cushman & Wakefield using a multiple of the Fair Maintainable EBITDA.


12.


Fixed asset investments

Company





Investments in subsidiary companies

£



Cost or valuation


At 1 January 2024
2,000



At 31 December 2024
2,000





Direct subsidiary undertakings


The following were direct subsidiary undertakings of the Company:

Name

Class of shares

Holding

Cornford House Limited
Ordinary
100%
Whitstable House Limited
Ordinary
100%

Page 23

 
GRAHAM CARE (BL) LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

Indirect subsidiary undertaking


The following was an indirect subsidiary undertaking of the Company:

Name

Class of shares

Holding

Whitstable House PAU Limited
Ordinary
100%

The above subsidiaries have been consolidated within the group financial statements.
The principal activity for the subsidiaries is the provision of nursing and residential care services.
Whitstable House PAU Limited is a company that was incorporated during the year in England and Wales. The company was dormant during the period and is not consolidated within these financial statements.


13.


Stocks

Group
Group
2024
2023
£
£

Raw materials and consumables
10,663
4,230

10,663
4,230



14.


Debtors

Group
Group
Company
Company
2024
2023
2024
2023
£
£
£
£


Trade debtors
830,789
483,767
-
-

Amounts owed by group undertakings
22,189,753
20,091,901
21,322,293
17,849,337

Other debtors
10,169
38,413
-
-

Prepayments and accrued income
9,594
5,807
-
-

Deferred taxation
-
-
-
444,538

23,040,305
20,619,888
21,322,293
18,293,875



15.


Cash and cash equivalents

Group
Group
2024
2023
£
£

Cash at bank and in hand
260,886
183,041

260,886
183,041


Page 24

 
GRAHAM CARE (BL) LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

16.


Creditors: Amounts falling due within one year

Group
Group
Company
Company
2024
2023
2024
2023
£
£
£
£

Trade creditors
162,457
106,566
-
-

Amounts owed to group undertakings
27,390,661
7,474,453
993,750
989,779

Corporation tax
212,897
13,983
-
-

Other taxation and social security
141,943
68,877
-
-

Other creditors
405,453
173,746
-
-

Accruals and deferred income
68,558
14,646,128
7,140
6,780

28,381,969
22,483,753
1,000,890
996,559


The group has pledged its assets as security against any bank loans and overdrafts. At the year end, there are amounts outstanding in respect of secured debts of £40,961,040 (2023 - £41,818,601) in Graham Care (YB) Limited and £17,339,526 (2023 - £17,339,526) in Graham Care (BL) Limited.
The group's bankers have a fixed and floating charge over the company's assets.


17.


Creditors: Amounts falling due after more than one year

Group
Group
Company
Company
2024
2023
2024
2023
£
£
£
£

Bank loans
17,339,526
17,339,526
17,339,526
17,339,526

Amounts owed to group undertakings
-
5,295,008
-
-

17,339,526
22,634,534
17,339,526
17,339,526


The group has pledged its assets as security against any bank loans and overdrafts held by the group companies. At the year end, there are amounts outstanding in respect of secured debts of £17,339,526 (2023 - £17,339,526) in Graham Care (BL) Limited.
The group's bankers have a fixed and floating charge over the company's assets.



Page 25

 
GRAHAM CARE (BL) LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

18.


Deferred taxation


Group



2024
2023


£

£






At beginning of year
(4,385,914)
(2,483,264)


Charged in the year
(4,425,696)
(1,902,650)



At end of year
(8,811,610)
(4,385,914)

Company


2024
2023


£

£






At beginning of year
444,538
137,768


Charged in the year
(444,538)
306,770



At end of year
-
444,538
Group
Group
Company
Company
2024
2023
2024
2023
£
£
£
£

Accelerated capital allowances
(1,473,839)
(1,307,681)
-
-

Deferred tax on revaluation gains
(7,337,771)
(3,522,771)
-
-

Tax losses carried forward
-
444,538
-
444,538

(8,811,610)
(4,385,914)
-
444,538


19.


Share capital

2024
2023
£
£
Allotted, called up and fully paid



100 (2023 - 100) Ordinary Shares shares of £1.00 each
100
100


Page 26

 
GRAHAM CARE (BL) LIMITED
 

 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

20.


Reserves

Revaluation reserve

The revaluation reserve represents the cumulate effect of revaluations of tangible fixed assets where a policy of revaluation has been adopted.

Profit and loss account

The profit and loss account represents cumulative profits and losses net of dividends and other adjustments.


21.


Pension commitments

The Group operates a defined contributions pension scheme. The assets of the scheme are held separately from those of the Group in an independently administered fund. The pension cost charge represents contributions payable by the Group to the fund and amounted to £83,143 (2023 - £50,798) which is included within Wages and salaries. Contributions totalling £23,260 (2023 - £12,072) were payable to the fund at the balance sheet date and are included within creditors.


22.


Related party transactions

The company is a wholly owned subsidiary and accordingly has taken the exemptions provided within paragraph 33.1A of FRS102 and therefore transactions with group companies have not been disclosed.
Cornford House Limited
At the balance sheet date the company were owed an amount of £nil (2023 - £16,312) to Dover House (GC) Limited, previously known as WP Lodge Limited, a company which the son of the directors is a director and has a majority shareholding in.


23.


Ultimate parent undertaking and controlling party

The ultimate parent undertaking is Blackstown Holdings Limited, a company limited in England and Wales. The ultimate controlling parties are W E Graham & K E Graham by virtue of shareholdings in Blackstown Holdings Limited.

Page 27