A SMILE FOR LIFE LIMITED
🌳Matureactive
06495864 · ltd · incorporated 2008-02-06
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 18.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£24.7k
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Dental practice activities
Sector: Human health & social work
Investor take
PursueStrong opportunity: active trading company with exceptional profile and bankable structure.
Opportunity 83/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 59). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 18.1y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 18.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
54 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £24,740
Net assets shrinking
Down £2,846 YoY
Cash YoY
+572%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£8k
↑ 572% YoY
Net Worth
£25k
↓ 10% YoY
Current Assets
£30k
↓ 1.9% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £24.7k | £27.6k |
| Current assets | £29.6k | £30.2k |
| Cash | £8.1k | £1.2k |
| Debtors | £17.5k | £25.0k |
| Net assets | £24.7k | £27.6k |
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
3
filings
- • 2 persons-with-significant-control
- • 1 confirmation-statement
Last 90 days
4
filings
- • 2 persons-with-significant-control
- • 1 confirmation-statement
- • 1 accounts
Last 180 days
4
filings
- • 2 persons-with-significant-control
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2026-04-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-04-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-25➕JAMES, Sharon appointeddirector
- 2024-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-01-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-04-27➖DEMOT, Nicole resignedsecretary
- 2020-04-27📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2020-02-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-03📄change-person-director-company-with-change-dateofficers · CH01
- 2019-02-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2012-09-06🔓Charge satisfied #1
- 2012-07-13🔒Charge registered #2Lender: Barclays Bank PLC
- 2008-03-07🔒Charge registered #1Lender: Hsbc Bank PLC
- 2008-02-06🏢Company incorporatedAs A SMILE FOR LIFE LIMITED
- 2008-02-06➕PEACOCK, David Michael appointeddirector
- 2008-02-06➕DEMOT, Nicole appointedsecretary
Owner dependency
76/100
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.
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 18 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David Michael Peacock Individual · English · DOB 05/1967 · age 59 | 50–75% | — | 50-75% shares | 08/04/2016 |
Miss Sharon James Individual · British · DOB 07/1971 · age 55 | 25–50% | — | 25-50% shares | 01/04/2026 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
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| 41 THE HEADROW LIMITED→ 04885111 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
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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
Incorporated2008-02-06
Jurisdictionengland-wales
Primary SIC86230 — Dental practice activities
Registered office
52 Bradford Road
Menston
Ilkley
West Yorkshire
LS29 6BX
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-04-16
Last: 2026-04-02
Officers (2 active · 1 resigned)
JAMES, Sharon→
Activedirector · ~55y · appointed 2025-08-25
View their other companies + combined net worth →
PEACOCK, David Michael→
Activedirector · ~59y · appointed 2008-02-06
View their other companies + combined net worth →
DEMOT, Nicole→
Resignedsecretary · appointed 2008-02-06 · resigned 2020-04-27
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | Debenture | 1 property | 13/07/2012 | — | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 07/03/2008 | 06/09/2012 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (54 total)
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-04-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-02
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-25
appoint-person-director-company-with-name-date
officers · AP01
2025-08-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-06-24
confirmation-statement-with-updates
confirmation-statement · CS01
2021-06-24