ANDREW CARE LTD
- · Oldest live charge 25.1y old — refinance window within 12 months
Opportunity 82/100 (exceptional), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 25.1y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 25.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (72/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-30 |
|---|---|
| Total assets | £3.61M |
| Current assets | £3.84M |
| Net assets | £1.08M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 confirmation-statement
- • 1 accounts
- • 2 accounts
- • 1 confirmation-statement
Corporate timeline (32 events)Click to expand
- 2026-04-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-02-07📄accounts-amended-with-made-up-dateaccounts · AAMD
- 2025-04-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-04-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-06-21📄resolutionresolution · RESOLUTIONS
- 2023-06-21📄memorandum-articlesincorporation · MA
- 2023-06-17📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2023-06-17📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2023-06-17📄capital-name-of-class-of-sharescapital · SH08
- 2023-06-17📄capital-name-of-class-of-sharescapital · SH08
- 2023-06-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-12📄statement-of-companys-objectschange-of-constitution · CC04
- 2023-06-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-06-06🔓Charge satisfied #1
- 2023-06-05🔒Charge registered #3Lender: Cynergy Bank Limited
- 2023-06-05🔒Charge registered #2Lender: Cynergy Bank Limited
- 2023-04-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-04-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-04-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-01-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-06-10➕ANDREW, Chloe appointeddirector
- 2019-06-10➕MAZARI, Chelsey appointeddirector
- 2001-06-21🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1999-07-08➕ANDREW, Ann appointedsecretary
- 1999-07-08➕ANDREW, Ann appointeddirector
- 1999-07-08➕ANDREW, Craig Paul appointeddirector
- 1999-05-05➖COUNTRYWIDE COMPANY SECRETARIES LTD resignedcorporate-nominee-secretary
- 1999-05-05➖COUNTRYWIDE COMPANY DIRECTORS LTD resignedcorporate-nominee-director
- 1999-04-29🏢Company incorporatedAs ANDREW CARE LTD
- 1999-04-29➕COUNTRYWIDE COMPANY SECRETARIES LTD appointedcorporate-nominee-secretary
- 1999-04-29➕COUNTRYWIDE COMPANY DIRECTORS LTD appointedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "ANDREW" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 27 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Craig Paul Andrew Individual · British · DOB 08/1966 · age 60 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 29/04/2017 |
Mrs Ann Andrew Individual · British · DOB 06/1963 · age 63 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 29/04/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (5 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Cynergy Bank Cynergy Bank Limited | A registered charge | 1 property | 05/06/2023 | — | |
| outstanding | Cynergy Bank Cynergy Bank Limited | A registered charge | 1 property | 05/06/2023 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 21/06/2001 | 06/06/2023 |