AFTER CARE (N W) LIMITED
Opportunity 65/100 (strong), bankability 42/100. Strong seller-intent signal (93/100, director aged 70). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (50/100).
Refinance opportunity
6 live charges · 3 lenders · oldest 21.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 21.7 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £336.8k | £442.3k |
| Current assets | £1.10M | £1.18M |
| Cash | £248.7k | £410.0k |
| Debtors | £854.9k | £770.4k |
| Net assets | £336.8k | £442.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 mortgage
- • 1 accounts
- • 1 mortgage
- • 1 accounts
Corporate timeline (37 events)Click to expand
- 2026-05-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-15🔒Charge registered #6Lender: Bibby Financial Services Limited
- 2026-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-11-08🔓Charge satisfied #5
- 2024-01-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-07📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-06-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-06-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-05-17📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-05-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-05-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-05-16📄change-person-director-company-with-change-dateofficers · CH01
- 2023-05-16📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-11⚠️liquidation-voluntary-arrangement-completioninsolvency · CVA4
- 2012-07-05🔓Charge satisfied #4
- 2012-07-05🔓Charge satisfied #2
- 2012-07-05🔓Charge satisfied #1
- 2012-06-26🔓Charge satisfied #3
- 2009-12-24🔒Charge registered #5Lender: Bibby Financial Services Limited
- 2007-07-27🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 2006-06-07🔒Charge registered #3Lender: Rbs Invoice Finance Limited
- 2005-10-14🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2004-10-05🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2001-07-20🏢Company incorporatedAs AFTER CARE (N W) LIMITED
- 2001-07-20➕VAIGHT, Sheila Anne appointedsecretary
- 2001-07-20➕BLUNDELL, Timothy Arthur appointeddirector
- 2001-07-20➕VAIGHT, Sheila Anne appointeddirector
- 2001-07-20➕SWIFT INCORPORATIONS LIMITED appointedcorporate-nominee-secretary
- 2001-07-20➖SWIFT INCORPORATIONS LIMITED resignedcorporate-nominee-secretary
- 2001-07-20➕INSTANT COMPANIES LIMITED appointedcorporate-nominee-director
- 2001-07-20➖INSTANT COMPANIES LIMITED resignedcorporate-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.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 70 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 25 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 high · 2 med ·Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2019-12-11: liquidation-voluntary-arrangement-completion
Companies House flags prior insolvency events. Review the insolvency filings for context.
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
After Care (N W) Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
After Care (N W) Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/06/2023 |
2 historic (ceased) PSCs
- Mrs Sheila Vaightceased 01/06/2023· 25-50% shares · 25-50% voting · board control
- Mr Timothy Blundellceased 01/06/2023· 25-50% shares · 25-50% voting · board control
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.
See pricing →Similar companies
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9 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 (3 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Bibby Financial Services Bibby Financial Services Limited | A registered charge | — | 15/05/2026 | — | |
| satisfied | Bibby Financial Services Bibby Financial Services Limited | Debenture | 1 property | 24/12/2009 | 08/11/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 27/07/2007 | 05/07/2012 | |
| satisfied | NatWest Group Rbs Invoice Finance Limited | Fixed and floating charge | 1 property | 07/06/2006 | 26/06/2012 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 14/10/2005 | 05/07/2012 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 05/10/2004 | 05/07/2012 |