BELLCARE DOMICILIARY CARE SERVICES LIMITED

🌳Matureactive
04387185 · ltd · incorporated 2002-03-05
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 Jan 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Social work activities without accommodation for the elderly and disabled
Sector: Human health & social work
Investor take
Pursue
Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (93/100, director aged 67). 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: strategic trade sale (73/100).

🏦

Refinance opportunity

4 live charges · 4 lenders · oldest 24.1y

35/100
too messy

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

  • · Oldest live charge is 24.1 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — 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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 4 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
76 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£0Jan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-01-312024-01-31
Average employees99009900

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 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
  1. 2025-10-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-10-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-10-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2022-12-01
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2022-12-01
    🔓
    Charge satisfied #1
  6. 2022-08-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2022-08-15
    🔓
    Charge satisfied #3
  8. 2022-04-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2021-03-17
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2020-06-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2019-09-17
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2018-08-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2017-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-02-07
    📄
    accounts-amended-with-accounts-type-total-exemption-small
    accounts · AAMD
  15. 2016-04-08
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2016-04-04
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2016-02-08
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2016-02-05
    🔒
    Charge registered #4
    Lender: Factor 21 (North) Limited
  19. 2010-06-24
    🔓
    Charge satisfied #2
  20. 2010-06-20
    🔒
    Charge registered #3
    Lender: Rbs Invoice Finance Limited
  21. 2009-07-27
    🔒
    Charge registered #2
    Lender: Resource Partners Spv Limited
  22. 2006-05-31
    ➕
    WILSON, Carol May appointed
    secretary
  23. 2006-05-31
    ➕
    WILSON, Carol May appointed
    director
  24. 2006-05-31
    ➕
    WILSON, Ian appointed
    director
  25. 2006-05-31
    ➖
    AINSWORTH, Arnold Newton resigned
    secretary
  26. 2006-05-31
    ➖
    AINSWORTH, Arnold Newton resigned
    director
  27. 2006-05-31
    ➖
    AINSWORTH, Rita resigned
    director
  28. 2002-05-10
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  29. 2002-03-05
    🏢
    Company incorporated
    As BELLCARE DOMICILIARY CARE SERVICES LIMITED
  30. 2002-03-05
    ➕
    AINSWORTH, Arnold Newton appointed
    secretary
  31. 2002-03-05
    ➕
    WATERLOW SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  32. 2002-03-05
    ➖
    WATERLOW SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  33. 2002-03-05
    ➕
    AINSWORTH, Arnold Newton appointed
    director
  34. 2002-03-05
    ➕
    AINSWORTH, Rita appointed
    director
  35. 2002-03-05
    ➕
    WATERLOW NOMINEES LIMITED appointed
    corporate-nominee-director
  36. 2002-03-05
    ➖
    WATERLOW NOMINEES LIMITED resigned
    corporate-nominee-director

Owner dependency

91/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

86/100
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 67. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Carol May Wilson
Individual · British · DOB 01/1959 · age 67
25–50%
—25-50% shares05/03/2017
Mr Ian Wilson
Individual · British · DOB 11/1960 · age 66
25–50%
—25-50% shares05/03/2017

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

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
Incorporated2002-03-05
Jurisdictionengland-wales
Primary SIC88100 — Social work activities without accommodation for the elderly and disabled

Registered office

73 Lowther Street
Whitehaven
Cumbria
CA28 7AH

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-03-19
Last: 2026-03-05

Officers (3 active · 5 resigned)

WILSON, Carol May→
secretary · appointed 2006-05-31
View their other companies + combined net worth →
Active
WILSON, Carol May→
director · ~67y · appointed 2006-05-31
View their other companies + combined net worth →
Active
WILSON, Ian→
director · ~66y · appointed 2006-05-31
View their other companies + combined net worth →
Active
AINSWORTH, Arnold Newton→
secretary · appointed 2002-03-05 · resigned 2006-05-31
Resigned
WATERLOW SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2002-03-05 · resigned 2002-03-05
Resigned
AINSWORTH, Arnold Newton→
director · ~97y · appointed 2002-03-05 · resigned 2006-05-31
Resigned
AINSWORTH, Rita→
director · ~88y · appointed 2002-03-05 · resigned 2006-05-31
Resigned
WATERLOW NOMINEES LIMITED→
corporate-nominee-director · appointed 2002-03-05 · resigned 2002-03-05
Resigned

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

Mortgages & charges

4
Total charges
1
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Factor 21 (North)
Factor 21 (North) Limited
A registered charge1 property05/02/2016—
satisfied
NatWest Group
Rbs Invoice Finance Limited
All assets debenture1 property20/06/201015/08/2022
satisfied
Resource Partners Spv
Resource Partners Spv Limited
Debenture1 property27/07/200924/06/2010
satisfied
National Westminster Bank
National Westminster Bank PLC
Debenture1 property10/05/200201/12/2022
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (76 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-08
mortgage-satisfy-charge-full
mortgage · MR04
2022-12-01
mortgage-satisfy-charge-full
mortgage · MR04
2022-08-15
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-04-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-09
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-03-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-09
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-06-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-04-27