FOREST HEALTHCARE FINANCE LIMITED
🌳Matureactive
06428047 · ltd · incorporated 2007-11-15
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
—
not disclosed
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 60-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (65/100, director aged 60). 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: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
6 live charges · 4 lenders · oldest 18.6y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 18.6 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 (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 2 total, 2 with control declared
90
Director network
15 connected companies via shared directors
90
Filing history
69 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
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 (47 events)Click to expand
- 2025-08-20📄accounts-with-accounts-type-fullaccounts · AA
- 2025-03-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-03-01➕PENFOLD, Simon Emmerson appointeddirector
- 2024-09-20📄accounts-with-accounts-type-fullaccounts · AA
- 2024-09-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-03-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-03-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-03-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-03-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-03-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-03-20🔓Charge satisfied #5
- 2024-03-20🔓Charge satisfied #4
- 2024-03-20🔓Charge satisfied #3
- 2024-03-20🔓Charge satisfied #2
- 2024-03-20🔓Charge satisfied #1
- 2024-03-06📄capital-allotment-sharescapital · SH01
- 2024-03-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-04📄memorandum-articlesincorporation · MA
- 2024-03-04📄resolutionresolution · RESOLUTIONS
- 2024-03-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-03-01📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-02-29➖HAIG, Colin resignedsecretary
- 2024-02-29➖HAIG, Colin resigneddirector
- 2024-02-29🔒Charge registered #6Lender: National Westminster Bank PLC as Security Agent
- 2024-01-30➕SCOTT, Amanda Rachel appointeddirector
- 2024-01-30📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-01-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-01-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-09-23📄accounts-with-accounts-type-smallaccounts · AA
- 2022-10-06📄accounts-with-accounts-type-smallaccounts · AA
- 2022-02-04📄accounts-with-accounts-type-smallaccounts · AA
- 2019-02-26➖MUSGRAVE, Paul resigneddirector
- 2013-12-20➕HAIG, Colin appointeddirector
- 2013-12-20➖INDIG, Guy resigneddirector
- 2013-12-20➕MUSGRAVE, Paul appointeddirector
- 2013-12-20🔒Charge registered #5Lender: The Governor and Company of the Bank or Ireland (As Security Trustee for and on Behalf of the Beneficiaries)
- 2012-03-16➖CURTIS, Peter James resigneddirector
- 2012-03-16➕INDIG, Guy appointeddirector
- 2011-04-17➖WALTERS, Simon Howard resigneddirector
- 2010-01-01➕CURTIS, Peter James appointeddirector
- 2009-10-13🔒Charge registered #4Lender: The Governor & Company of the Bank of Ireland
- 2009-10-13🔒Charge registered #3Lender: The Governor & Company of the Bank of Ireland
- 2008-04-01🔒Charge registered #2Lender: The Governor & Company of the Bank of Ireland
- 2007-12-07🔒Charge registered #1Lender: The Governor and Company of the Bank of Ireland (The Security Trustee)
- 2007-11-15🏢Company incorporatedAs FOREST HEALTHCARE FINANCE LIMITED
- 2007-11-15➕HAIG, Colin appointedsecretary
- 2007-11-15➕WALTERS, Simon Howard appointeddirector
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 60 — approaching natural succession window.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·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
Newco B 13 Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Newco B 13 Limited
Corporate parent · holds 75-100% shares · board control
⬇
FOREST HEALTHCARE FINANCE LIMITED
This company · 06428047
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 |
|---|---|---|---|---|
Newco B 13 Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
1 historic (ceased) PSC
- Newco A 13 Limitedceased 06/04/2016· 75-100% 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
Active · Financial services · WD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| DELCAP ASSET MANAGEMENT LIMITED→ 03280320 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| DELTA Q TRADING LTD→ 10819538 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| EQUISURE UK LIMITED→ 16516081 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| F&I ONLINE LTD→ 09664343 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| FADDERS GLOBAL LTD→ 11286689 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| FAIR FINANCE LIMITED→ 03112887 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| FAIRWAY FAMILY INVESTMENT COMPANY LIMITED→ 11962500 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| FIRST THOUGHT FINANCIAL LIMITED→ 13836649 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| FLAMING SILVER INVESTMENTS LIMITED→ 11756658 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| FORTACRE PRIVATE CREDIT LIMITED→ 17015363 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| FUNDAMENTAL ASSET MANAGEMENT LIMITED→ 05089880 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| FUNTECH GLOBAL COMMUNICATIONS LIMITED→ 07979772 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
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.
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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
Incorporated2007-11-15
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Forest Care Village
10-20 Cardinal Avenue
Borehamwood
Hertfordshire
WD6 1EP
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-29
Last: 2025-11-15
Officers (2 active · 6 resigned)
PENFOLD, Simon Emmerson→
Activedirector · ~57y · appointed 2025-03-01
View their other companies + combined net worth →
SCOTT, Amanda Rachel→
Activedirector · ~60y · appointed 2024-01-30
View their other companies + combined net worth →
HAIG, Colin→
Resignedsecretary · appointed 2007-11-15 · resigned 2024-02-29
CURTIS, Peter James→
Resigneddirector · ~65y · appointed 2010-01-01 · resigned 2012-03-16
HAIG, Colin→
Resigneddirector · ~68y · appointed 2013-12-20 · resigned 2024-02-29
INDIG, Guy→
Resigneddirector · ~54y · appointed 2012-03-16 · resigned 2013-12-20
MUSGRAVE, Paul→
Resigneddirector · ~54y · appointed 2013-12-20 · resigned 2019-02-26
WALTERS, Simon Howard→
Resigneddirector · ~63y · appointed 2007-11-15 · resigned 2011-04-17
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 | National Westminster Bank as Security Agent National Westminster Bank PLC as Security Agent | A registered charge | — | 29/02/2024 | — | |
| satisfied | The Governor and Company of the Bank or Ireland (As Security Trustee for and on Behalf of the Beneficiaries) | A registered charge | 1 property | 20/12/2013 | 20/03/2024 | |
| satisfied | The Governor & Company of the Bank of Ireland | Confirmatory security agreement | 1 property | 13/10/2009 | 20/03/2024 | |
| satisfied | The Governor & Company of the Bank of Ireland | Guernsey security agreement | 1 property | 13/10/2009 | 20/03/2024 | |
| satisfied | The Governor & Company of the Bank of Ireland | Debenture | 1 property | 01/04/2008 | 20/03/2024 | |
| satisfied | The Governor and Company of the Bank of Ireland (The Security Trustee) | Composite debenture | 1 property | 07/12/2007 | 20/03/2024 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (69 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-08
accounts-with-accounts-type-full
accounts · AA
2025-08-20
appoint-person-director-company-with-name-date
officers · AP01
2025-03-11
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-15
accounts-with-accounts-type-full
accounts · AA
2024-09-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-09-05
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-20
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-20
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-20
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-20
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-20
capital-allotment-shares
capital · SH01
2024-03-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-03-05
memorandum-articles
incorporation · MA
2024-03-04
resolution
resolution · RESOLUTIONS
2024-03-04