AGE UK CALDERDALE & KIRKLEES

🌳Matureactive
05013745 · private-limited-guarant-nsc-limited-exemption · incorporated 2004-01-13
Investment thesis
Looks cheap but ownership + security both unclear — probable value trap.
Why interesting: Headline metrics may be attractive.
Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 21.2y old — refinance window within 12 months
🔒Estimated value
Upgrade to see
Turnover
year to Mar 2025
Net worth
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: Other human health activities
Sector: Human health & social work
Investor take
Pursue
Active trading company with a 83-year-old founder — textbook succession opportunity.

Opportunity 74/100 (strong), bankability 80/100. Strong seller-intent signal (73/100, director aged 83). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · oldest 21.2y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 21.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 38/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (76/100)

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
27 officers (7 active, 27 linked, 26 with DOB)
89
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
16 connected companies via shared directors
90
Filing history
120 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
69
Some moderate concerns — review 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£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees938800

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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
0
filings
Counts from Companies House filing history.
Corporate timeline (73 events)Click to expand
  1. 2026-01-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  2. 2026-01-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  3. 2025-12-18
    📄
    accounts-with-accounts-type-full
    accounts · AA
  4. 2025-12-15
    ANDREWARTHA, Patricia resigned
    director
  5. 2025-12-15
    BOULTON, Elisabeth Rachel resigned
    director
  6. 2025-10-31
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2025-10-30
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2025-09-15
    ROBINSON, Deborah appointed
    director
  9. 2025-03-24
    RHODES, Sakina appointed
    director
  10. 2024-12-16
    📄
    accounts-with-accounts-type-full
    accounts · AA
  11. 2024-12-10
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2024-12-09
    TARREN, Nicholas John resigned
    director
  13. 2023-12-18
    📄
    accounts-with-accounts-type-full
    accounts · AA
  14. 2023-05-11
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2023-05-11
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2023-05-11
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2023-03-13
    GIBSON, Leanne Munro appointed
    director
  18. 2023-03-13
    MORRIS, Anthony Edwin appointed
    director
  19. 2023-03-13
    TARREN, Nicholas John appointed
    director
  20. 2023-01-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  21. 2023-01-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  22. 2022-12-20
    📄
    accounts-with-accounts-type-full
    accounts · AA
  23. 2022-12-14
    BIRCH, Keith resigned
    director
  24. 2022-12-14
    FELTON, Michael John resigned
    director
  25. 2022-11-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  26. 2022-11-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  27. 2022-11-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  28. 2022-11-07
    ELLIS, Susan resigned
    director
  29. 2021-12-16
    📄
    accounts-with-accounts-type-full
    accounts · AA
  30. 2021-12-06
    FLOWERS, Anthony John resigned
    director
  31. 2021-12-06
    PORTER, Stacey Martine resigned
    director
  32. 2021-11-11
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  33. 2021-11-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  34. 2021-11-01
    PATEL, Munaf Valli appointed
    director
  35. 2021-11-01
    YOUNG, Charles appointed
    director
  36. 2021-11-01
    BIRCH, Keith appointed
    director
  37. 2021-02-20
    ANDREWARTHA, Patricia appointed
    director
  38. 2020-12-07
    WALKER, William Michael resigned
    director
  39. 2020-06-06
    RILEY, Angela Kathryn resigned
    director
  40. 2019-12-09
    HILL, Lorraine Evelyn resigned
    director
  41. 2019-12-09
    SMYTH, Catherine Mary resigned
    director
  42. 2019-12-09
    WAITE, William Andrew resigned
    director
  43. 2019-12-08
    HILLYARD, Anthony John resigned
    director
  44. 2017-11-13
    MARSHALL, Andrew Hanson resigned
    director
  45. 2017-11-13
    SMYTH, Catherine Mary appointed
    director
  46. 2017-01-26
    PORTER, Stacey Martine appointed
    director
  47. 2016-11-14
    TEMPLETON, Allan resigned
    director
  48. 2016-03-16
    SPARK, Peter Malcolm appointed
    director
  49. 2016-03-16
    HILL, Lorraine Evelyn appointed
    director
  50. 2015-11-04
    🔓
    Charge satisfied #3
Showing most recent 50 of 73 events

Owner dependency

55/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -7 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 83 — succession pressure is live.

Succession & seller-readiness

65/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 83 years old. Natural succession window is now.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

2 med ·
2 director resignations in last 12 months
medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: ANDREWARTHA, Patricia resigned 2025-12-15; BOULTON, Elisabeth Rachel resigned 2025-12-15

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.

🔒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
Typeprivate-limited-guarant-nsc-limited-exemption
Incorporated2004-01-13
Jurisdictionengland-wales
Primary SIC86900 — Other human health activities

Registered office

4 - 6 Square
Halifax
West Yorkshire
HX1 1RJ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-22
Last: 2026-01-08

Officers (7 active · 20 resigned)

GIBSON, Leanne Munro
director · ~29y · appointed 2023-03-13
View their other companies + combined net worth →
Active
MORRIS, Anthony Edwin
director · ~75y · appointed 2023-03-13
View their other companies + combined net worth →
Active
PATEL, Munaf Valli
director · ~57y · appointed 2021-11-01
View their other companies + combined net worth →
Active
RHODES, Sakina
director · ~41y · appointed 2025-03-24
View their other companies + combined net worth →
Active
ROBINSON, Deborah
director · ~57y · appointed 2025-09-15
View their other companies + combined net worth →
Active
SPARK, Peter Malcolm
director · ~60y · appointed 2016-03-16
View their other companies + combined net worth →
Active
YOUNG, Charles
director · ~83y · appointed 2021-11-01
View their other companies + combined net worth →
Active
SWIFT, Timothy
secretary · appointed 2004-01-13 · resigned 2011-12-31
Resigned
ANDREWARTHA, Patricia
director · ~71y · appointed 2021-02-20 · resigned 2025-12-15
Resigned
BIRCH, Keith
director · ~67y · appointed 2021-11-01 · resigned 2022-12-14
Resigned
BOULTON, Elisabeth Rachel
director · ~54y · appointed 2010-07-01 · resigned 2025-12-15
Resigned
ELLIS, Susan
director · ~78y · appointed 2009-11-01 · resigned 2022-11-07
Resigned
FELTON, Michael John
director · ~87y · appointed 2007-01-24 · resigned 2022-12-14
Resigned
FLOWERS, Anthony John
director · ~44y · appointed 2013-07-11 · resigned 2021-12-06
Resigned
HILL, Lorraine Evelyn
director · ~70y · appointed 2016-03-16 · resigned 2019-12-09
Resigned
HILLYARD, Anthony John
director · ~73y · appointed 2013-12-11 · resigned 2019-12-08
Resigned
HUGHES, Jane Anwyl
director · ~64y · appointed 2004-04-20 · resigned 2005-03-01
Resigned
MARSHALL, Andrew Hanson
director · ~89y · appointed 2005-03-09 · resigned 2017-11-13
Resigned
O'ROURKE, Karen
director · ~59y · appointed 2004-01-13 · resigned 2005-03-01
Resigned
PORTER, Stacey Martine
director · ~49y · appointed 2017-01-26 · resigned 2021-12-06
Resigned

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

Mortgages & charges

3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Barclays
Barclays Bank PLC
Legal charge2 properties04/07/201104/11/2015
outstanding
Barclays
Barclays Bank PLC
Debenture1 property04/07/2011
satisfied
Barclays
Barclays Bank PLC
Legal charge1 property23/05/200504/11/2015
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (120 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-09
termination-director-company-with-name-termination-date
officers · TM01
2026-01-08
termination-director-company-with-name-termination-date
officers · TM01
2026-01-08
accounts-with-accounts-type-full
accounts · AA
2025-12-18
appoint-person-director-company-with-name-date
officers · AP01
2025-10-31
appoint-person-director-company-with-name-date
officers · AP01
2025-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-21
accounts-with-accounts-type-full
accounts · AA
2024-12-16
termination-director-company-with-name-termination-date
officers · TM01
2024-12-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-23
accounts-with-accounts-type-full
accounts · AA
2023-12-18
appoint-person-director-company-with-name-date
officers · AP01
2023-05-11
appoint-person-director-company-with-name-date
officers · AP01
2023-05-11
appoint-person-director-company-with-name-date
officers · AP01
2023-05-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-24