A1 QUALITY HOME CARE LIMITED
🌳Matureactive
05072770 · ltd · incorporated 2004-03-15
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
—
not disclosed
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Other human health activities
Sector: Human health & social work
Investor take
PursueActive trading company with a 64-year-old founder — textbook succession opportunity.
Opportunity 75/100 (strong), bankability 67/100. Strong seller-intent signal (65/100, director aged 64). Share purchase looks the cleaner deal structure. 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 (73/100).
🏦
Refinance opportunity
6 live charges · 3 lenders · oldest 22.1y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 22.1 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)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
No iXBRL financials extracted
0
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
8 officers (2 active, 8 linked, 7 with DOB)
88
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
17 connected companies via shared directors
90
Filing history
102 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
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
69
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
25
filings
- • 4 mortgage
- • 4 confirmation-statement
- • 4 officers
Counts from Companies House filing history.
Corporate timeline (51 events)Click to expand
- 2026-02-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-10🔒Charge registered #6Lender: Kroll Trustee Services Limited (As Security Agent for the Beneficiaries)
- 2026-01-15📄legacymiscellaneous · ANNOTATION
- 2026-01-15📄legacymiscellaneous · ANNOTATION
- 2026-01-15📄legacymiscellaneous · ANNOTATION
- 2026-01-12📄capital-return-purchase-own-sharescapital · SH03
- 2026-01-07📄capital-cancellation-sharescapital · SH06
- 2026-01-06📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2026-01-06📄replacement-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP01CS01
- 2026-01-06📄replacement-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP01CS01
- 2026-01-06📄replacement-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP01CS01
- 2026-01-06📄replacement-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP01CS01
- 2025-12-21📄statement-of-companys-objectschange-of-constitution · CC04
- 2025-12-21📄memorandum-articlesincorporation · MA
- 2025-12-21📄resolutionresolution · RESOLUTIONS
- 2025-12-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-12-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-12-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-15🔓Charge satisfied #5
- 2025-12-15🔓Charge satisfied #2
- 2025-12-15🔓Charge satisfied #1
- 2025-12-11➕DONALD, Charlotte Kathleen appointeddirector
- 2025-12-11➕LANDUCCI-HARMEY, James Conor appointeddirector
- 2025-12-11➖KURSEY, Sandra Kay resigneddirector
- 2025-12-11➖RUSHTON, Zoe Katie resigneddirector
- 2025-11-18🔓Charge satisfied #4
- 2025-11-18🔓Charge satisfied #3
- 2023-05-23🔒Charge registered #5Lender: Hsbc UK Bank PLC
- 2023-05-23🔒Charge registered #4Lender: Hsbc UK Bank PLC
- 2023-05-23🔒Charge registered #3Lender: Hsbc UK Bank PLC
- 2022-12-09➖MICHIE, Loretta resigneddirector
- 2009-12-20➖KURSEY, Sandra Kay resignedsecretary
- 2009-07-20➖CRIGHTON, Estelle Joyce Carolyn resigneddirector
- 2007-12-03➖MCAULIFFE, Ann Katherine resigneddirector
- 2005-09-29🔒Charge registered #2Lender: Hsbc Bank PLC
- 2004-11-17➕CRIGHTON, Estelle Joyce Carolyn appointeddirector
- 2004-11-17➕MCAULIFFE, Ann Katherine appointeddirector
- 2004-03-29🔒Charge registered #1Lender: Hsbc Bank PLC
- 2004-03-15🏢Company incorporatedAs A1 QUALITY HOME CARE LIMITED
- 2004-03-15➕KURSEY, Sandra Kay appointedsecretary
- 2004-03-15➕KURSEY, Sandra Kay appointeddirector
- 2004-03-15➕MICHIE, Loretta appointeddirector
Showing most recent 50 of 51 events
Owner dependency
66/100
High — earn-out structure requiredMaterial 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 64 — approaching natural succession window.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
2 med ·2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: KURSEY, Sandra Kay resigned 2025-12-11; RUSHTON, Zoe Katie resigned 2025-12-11
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Cera Care Operations Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Cera Care Operations Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
A1 QUALITY HOME CARE LIMITED
This company · 05072770
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 |
|---|---|---|---|---|
Cera Care Operations Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 11/12/2025 |
3 historic (ceased) PSCs
- Mrs Zoe Rushtonceased 11/12/2025· 25-50% shares
- Mrs Sandra Kay Kurseyceased 11/12/2025· 25-50% shares
- Mrs Loretta Ann Michieceased 09/12/2022· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒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 →Similar companies
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| ACK HOUSE LTD→ 14254535 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ACORN AUTISM SPECIALISTS LIMITED→ 13511294 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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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
Incorporated2004-03-15
Jurisdictionengland-wales
Primary SIC86900 — Other human health activities
Registered office
Crown House Stephenson Road
Severalls Industrial Park
Colchester
CO4 9QR
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-25
Last: 2025-11-11
Officers (2 active · 6 resigned)
DONALD, Charlotte Kathleen→
Activedirector · ~44y · appointed 2025-12-11
View their other companies + combined net worth →
LANDUCCI-HARMEY, James Conor→
Activedirector · ~64y · appointed 2025-12-11
View their other companies + combined net worth →
KURSEY, Sandra Kay→
Resignedsecretary · appointed 2004-03-15 · resigned 2009-12-20
CRIGHTON, Estelle Joyce Carolyn→
Resigneddirector · ~45y · appointed 2004-11-17 · resigned 2009-07-20
KURSEY, Sandra Kay→
Resigneddirector · ~67y · appointed 2004-03-15 · resigned 2025-12-11
MCAULIFFE, Ann Katherine→
Resigneddirector · ~88y · appointed 2004-11-17 · resigned 2007-12-03
MICHIE, Loretta→
Resigneddirector · ~73y · appointed 2004-03-15 · resigned 2022-12-09
RUSHTON, Zoe Katie→
Resigneddirector · ~45y · appointed 2004-03-15 · resigned 2025-12-11
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
1
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Kroll Trustee Services (As Security Agent for the Beneficiaries) Kroll Trustee Services Limited (As Security Agent for the Beneficiaries) | A registered charge | 1 property | 10/02/2026 | — | |
| satisfied | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 23/05/2023 | 15/12/2025 | |
| satisfied | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 23/05/2023 | 18/11/2025 | |
| satisfied | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 23/05/2023 | 18/11/2025 | |
| satisfied | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 29/09/2005 | 15/12/2025 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 29/03/2004 | 15/12/2025 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (102 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-12
legacy
miscellaneous · ANNOTATION
2026-01-15
legacy
miscellaneous · ANNOTATION
2026-01-15
legacy
miscellaneous · ANNOTATION
2026-01-15
capital-return-purchase-own-shares
capital · SH03
2026-01-12
capital-cancellation-shares
capital · SH06
2026-01-07
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2026-01-06
replacement-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP01CS01
2026-01-06
replacement-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP01CS01
2026-01-06
replacement-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP01CS01
2026-01-06
replacement-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP01CS01
2026-01-06
statement-of-companys-objects
change-of-constitution · CC04
2025-12-21
memorandum-articles
incorporation · MA
2025-12-21
resolution
resolution · RESOLUTIONS
2025-12-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-12-16