ALPHA HEALTHCARE HOLDINGS LIMITED

🌳Matureactive
03038492 · ltd · incorporated 1995-03-28
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 69-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (73/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

5 live charges · 5 lenders · oldest 29.4y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 29.4 years old — likely at or near maturity.
  • · 5 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
13 officers (4 active, 13 linked, 8 with DOB)
82
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
124 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
80
Strong succession / seller-readiness signals.
Risk profile
77
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£0Aug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-08-312024-08-31
Average employees3300

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
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (47 events)Click to expand
  1. 2026-03-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-03-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-11-20
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2024-11-20
    🔓
    Charge satisfied #5
  5. 2024-03-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-04-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-03-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-02-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-03-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2019-08-12
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2019-08-12
    🔓
    Charge satisfied #4
  12. 2019-02-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-01-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2018-04-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-03-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2017-03-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2014-03-11
    🔓
    Charge satisfied #3
  18. 2014-01-23
    🔒
    Charge registered #5
    Lender: Mw Trustees Limited
  19. 2013-01-31
    🔒
    Charge registered #4
    Lender: Hsbc Bank PLC
  20. 2012-02-07
    ➕
    CARTER, Yvonne Joy appointed
    director
  21. 2010-10-13
    🔓
    Charge satisfied #2
  22. 2010-05-19
    ➕
    CARTER, Benjamin Christopher James appointed
    director
  23. 2009-10-31
    ➖
    WOODS, Mark Anthony resigned
    director
  24. 2009-10-21
    🔓
    Charge satisfied #1
  25. 2009-10-15
    🔒
    Charge registered #3
    Lender: National Westminster Bank PLC
  26. 2009-04-15
    ➕
    CARTER, Yvonne Joy appointed
    secretary
  27. 2009-04-15
    ➖
    WELLMAN, Vikki Elizabeth resigned
    secretary
  28. 2009-04-15
    ➖
    O ROURKE, Michael resigned
    director
  29. 2005-11-30
    ➕
    O ROURKE, Michael appointed
    director
  30. 2004-01-20
    🔒
    Charge registered #2
    Lender: Barclays Bank PLC
  31. 2004-01-01
    ➕
    CARTER, Clifford Denis appointed
    director
  32. 2003-11-21
    ➖
    BECKLEY, Jane resigned
    director
  33. 2002-05-30
    ➖
    CARTER, Yvonne Joy resigned
    secretary
  34. 2002-05-30
    ➕
    WELLMAN, Vikki Elizabeth appointed
    secretary
  35. 2002-05-30
    ➕
    BECKLEY, Jane appointed
    director
  36. 2000-12-31
    ➖
    CARTER, Clifford Denis resigned
    director
  37. 2000-06-27
    ➖
    WESTLEY, Stephen Robert Douglas resigned
    director
  38. 1998-05-01
    ➕
    WOODS, Mark Anthony appointed
    director
  39. 1996-12-13
    🔒
    Charge registered #1
    Lender: Abbey National PLC
  40. 1995-07-31
    ➕
    WESTLEY, Stephen Robert Douglas appointed
    director
  41. 1995-04-13
    ➖
    LONDON LAW SECRETARIAL LIMITED resigned
    corporate-nominee-secretary
  42. 1995-04-13
    ➖
    LONDON LAW SERVICES LIMITED resigned
    corporate-nominee-director
  43. 1995-04-01
    ➕
    CARTER, Yvonne Joy appointed
    secretary
  44. 1995-04-01
    ➕
    CARTER, Clifford Denis appointed
    director
  45. 1995-03-28
    🏢
    Company incorporated
    As ALPHA HEALTHCARE HOLDINGS LIMITED
  46. 1995-03-28
    ➕
    LONDON LAW SECRETARIAL LIMITED appointed
    corporate-nominee-secretary
  47. 1995-03-28
    ➕
    LONDON LAW SERVICES LIMITED appointed
    corporate-nominee-director

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 69 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 31 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

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Clifford Denis Carter
Individual · British · DOB 08/1957 · age 69
50–75%
50–75%50-75% shares · 50-75% voting06/04/2016

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
Incorporated1995-03-28
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Unit 3 Harrison Close
Knowlhill
Milton Keynes
MK5 8PA

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-10-29
Last: 2025-10-15

Officers (4 active · 9 resigned)

CARTER, Yvonne Joy→
secretary · appointed 2009-04-15
View their other companies + combined net worth →
Active
CARTER, Benjamin Christopher James→
director · ~42y · appointed 2010-05-19
View their other companies + combined net worth →
Active
CARTER, Clifford Denis→
director · ~69y · appointed 2004-01-01
View their other companies + combined net worth →
Active
CARTER, Yvonne Joy→
director · ~69y · appointed 2012-02-07
View their other companies + combined net worth →
Active
CARTER, Yvonne Joy→
secretary · appointed 1995-04-01 · resigned 2002-05-30
Resigned
WELLMAN, Vikki Elizabeth→
secretary · appointed 2002-05-30 · resigned 2009-04-15
Resigned
LONDON LAW SECRETARIAL LIMITED→
corporate-nominee-secretary · appointed 1995-03-28 · resigned 1995-04-13
Resigned
BECKLEY, Jane→
director · ~61y · appointed 2002-05-30 · resigned 2003-11-21
Resigned
CARTER, Clifford Denis→
director · ~69y · appointed 1995-04-01 · resigned 2000-12-31
Resigned
O ROURKE, Michael→
director · ~58y · appointed 2005-11-30 · resigned 2009-04-15
Resigned
WESTLEY, Stephen Robert Douglas→
director · ~70y · appointed 1995-07-31 · resigned 2000-06-27
Resigned
WOODS, Mark Anthony→
director · ~63y · appointed 1998-05-01 · resigned 2009-10-31
Resigned
LONDON LAW SERVICES LIMITED→
corporate-nominee-director · appointed 1995-03-28 · resigned 1995-04-13
Resigned

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

Mortgages & charges

5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
satisfied
Mw Trustees / Yvonne Joy Carter / Clifford Dennis Carter
Mw Trustees Limited / Yvonne Joy Carter / Clifford Dennis Carter
A registered charge1 property23/01/201420/11/2024
satisfied
HSBC
Hsbc Bank PLC
Debenture1 property31/01/201312/08/2019
satisfied
National Westminster Bank
National Westminster Bank PLC
Debenture1 property15/10/200911/03/2014
satisfied
Barclays
Barclays Bank PLC
Guarantee & debenture1 property20/01/200413/10/2010
satisfied
Santander
Abbey National PLC
Deed of deposit1 property13/12/199621/10/2009

Recent filings (124 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-12
mortgage-satisfy-charge-full
mortgage · MR04
2024-11-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-20
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-18
confirmation-statement-with-updates
confirmation-statement · CS01
2021-03-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-01
confirmation-statement-with-updates
confirmation-statement · CS01
2020-04-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-03-16