BERWICK CARE HOMES LIMITED

🌳Matureactive
03092064 · ltd · incorporated 1995-08-16
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£1.37M
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Residential care activities for the elderly and disabled
Sector: Human health & social work
Investor take
Pursue
Asset-holding vehicle. Family succession underway — not a classic acquisition target.

Opportunity 78/100 (strong), bankability 77/100. Same-surname younger director in place — likely family handover, not open to sale. 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

5 live charges · 4 lenders · oldest 30.2y

35/100
too messy

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

  • · Oldest live charge is 30.2 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Legal-friction score 33/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (77/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

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
11 officers (2 active, 11 linked, 7 with DOB)
83
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
107 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
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
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 £1,369,849
Net assets shrinking
Down £1,150,122 YoY
Cash YoY
+19%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£402k
↑ 19% YoY
Net Worth
£1.4m
↓ 46% YoY
Current Assets
£480k
↓ 61% YoY
Current Liabilities
—
£0£504k£1.0m£1.5m£2.0m£2.5mJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
Total assets£1.59M£2.52M
Current assets£479.6k£1.22M
Cash£401.7k£338.1k
Debtors£76.6k£879.3k
Net assets£1.37M£2.52M

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (53 events)Click to expand
  1. 2026-03-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-12-11
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  3. 2025-08-29
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  4. 2025-08-15
    ➖
    HACKER, Amanda Stephanie Dawn Ayesha resigned
    director
  5. 2025-07-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2025-07-21
    🔓
    Charge satisfied #5
  7. 2025-06-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2025-06-18
    🔒
    Charge registered #5
    Lender: Handelsbanken PLC
  9. 2025-05-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2025-05-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2025-05-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2025-05-20
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2025-05-20
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  14. 2025-03-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2025-03-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  16. 2025-03-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  17. 2025-03-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  18. 2025-03-06
    🔓
    Charge satisfied #4
  19. 2025-03-06
    🔓
    Charge satisfied #3
  20. 2025-03-06
    🔓
    Charge satisfied #2
  21. 2025-02-17
    ➖
    HACKER, Tony Leslie, Mr. resigned
    secretary
  22. 2025-02-17
    ➖
    HACKER, Tony Leslie, Mr. resigned
    director
  23. 2025-02-17
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  24. 2025-02-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  25. 2025-02-12
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  26. 2025-02-10
    ➕
    FAGAN, Christopher Phillip Isa appointed
    director
  27. 2024-10-07
    📄
    capital-return-purchase-own-shares-treasury-capital-date
    capital · SH03
  28. 2024-10-03
    📄
    capital-cancellation-shares
    capital · SH06
  29. 2024-08-14
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  30. 2024-08-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  31. 2024-01-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  32. 2013-06-20
    ➕
    FAGAN, Aissatou appointed
    director
  33. 2011-02-03
    🔒
    Charge registered #4
    Lender: Santander UK PLC
  34. 2011-01-27
    🔒
    Charge registered #3
    Lender: Santander UK PLC
  35. 2010-08-25
    ➖
    FAGAN, Aissatou resigned
    director
  36. 2010-08-15
    ➕
    HACKER, Amanda Stephanie Dawn Ayesha appointed
    director
  37. 2003-10-14
    🔓
    Charge satisfied #1
  38. 2003-10-03
    🔒
    Charge registered #2
    Lender: Abbey National PLC
  39. 2001-01-03
    ➖
    HACKER, Cynthia June, Ms. resigned
    director
  40. 2000-01-03
    ➕
    FAGAN, Aissatou appointed
    director
  41. 1996-10-25
    ➖
    MILLER, Frederick John resigned
    director
  42. 1996-04-01
    🔒
    Charge registered #1
    Lender: Northern Rock Building Society
  43. 1996-03-11
    ➕
    HACKER, Cynthia June, Ms. appointed
    director
  44. 1995-10-09
    ➕
    HACKER, Tony Leslie, Mr. appointed
    secretary
  45. 1995-10-09
    ➕
    HACKER, Tony Leslie, Mr. appointed
    director
  46. 1995-10-09
    ➕
    MILLER, Frederick John appointed
    director
  47. 1995-08-16
    🏢
    Company incorporated
    As BERWICK CARE HOMES LIMITED
  48. 1995-08-16
    ➕
    COSEC LIMITED appointed
    corporate-nominee-secretary
  49. 1995-08-16
    ➖
    COSEC LIMITED resigned
    corporate-nominee-secretary
  50. 1995-08-16
    ➕
    CODIR LIMITED appointed
    corporate-nominee-director
Showing most recent 50 of 53 events

Owner dependency

74/100
High — earn-out structure required

Material 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.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

19/100
No succession signal

No meaningful acquirability indicators from public data.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — FAGAN, Christopher Phillip Isa (same surname) appointed 2025-02-10. Pattern consistent with intra-family handover.
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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

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 · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Aissatou Fagan
Individual · British · DOB 08/1965 · age 61
75–100%
75–100%board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · trust interest14/08/2024
1 historic (ceased) PSC
  • Mr. Tony Leslie Hackerceased 10/12/2025· 50-75% shares · 50-75% voting · board control · significant influence · trust interest

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated1995-08-16
Jurisdictionengland-wales
Primary SIC87300 — Residential care activities for the elderly and disabled

Registered office

The Manse
3 Wellington Terrace
Berwick Upon Tweed
Northumberland
TD15 1HW

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-08-30
Last: 2025-08-16

Officers (2 active · 9 resigned)

FAGAN, Aissatou→
director · ~61y · appointed 2013-06-20
View their other companies + combined net worth →
Active
FAGAN, Christopher Phillip Isa→
director · ~25y · appointed 2025-02-10
View their other companies + combined net worth →
Active
HACKER, Tony Leslie, Mr.→
secretary · appointed 1995-10-09 · resigned 2025-02-17
Resigned
COSEC LIMITED→
corporate-nominee-secretary · appointed 1995-08-16 · resigned 1995-08-16
Resigned
FAGAN, Aissatou→
director · ~61y · appointed 2000-01-03 · resigned 2010-08-25
Resigned
HACKER, Amanda Stephanie Dawn Ayesha→
director · ~39y · appointed 2010-08-15 · resigned 2025-08-15
Resigned
HACKER, Cynthia June, Ms.→
director · ~80y · appointed 1996-03-11 · resigned 2001-01-03
Resigned
HACKER, Tony Leslie, Mr.→
director · ~79y · appointed 1995-10-09 · resigned 2025-02-17
Resigned
MILLER, Frederick John→
director · ~78y · appointed 1995-10-09 · resigned 1996-10-25
Resigned
CODIR LIMITED→
corporate-nominee-director · appointed 1995-08-16 · resigned 1995-08-16
Resigned
COSEC LIMITED→
corporate-nominee-director · appointed 1995-08-16 · resigned 1995-08-16
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
Handelsbanken
Handelsbanken PLC
A registered charge1 property18/06/202521/07/2025
satisfied
Santander
Santander UK PLC
Standard security1 property03/02/201106/03/2025
satisfied
Santander
Santander UK PLC
Bond and floating charge1 property27/01/201106/03/2025
satisfied
Santander
Abbey National PLC
Legal and general charge1 property03/10/200306/03/2025
satisfied
Northern Rock Building Society
Mortgage debenture1 property01/04/199614/10/2003

Recent filings (107 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-11
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-29
termination-director-company-with-name-termination-date
officers · TM01
2025-08-29
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-06
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-06
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-06
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-06