A G CARTER LIMITED
🌳Matureactive
06531587 · ltd · incorporated 2008-03-12
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 7.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2025
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Dental practice activities
Sector: Human health & social work
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 73/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
6 live charges · oldest 7.3y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 7.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (79/100)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
6 charges (6/6 with lender, 6/6 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
2 connected companies via shared directors
51
Filing history
65 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
60
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-10-31 | 2024-10-29 |
|---|---|---|
| Average employees | 200 | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
4 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
1
filing
- • 1 accounts
Last 90 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2026-04-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-04📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-10-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-29🔒Charge registered #6Lender: Lloyds Bank PLC
- 2024-09-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-05➖CARTER, Robert Henry resignedsecretary
- 2023-05-05📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-05-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-06➕CARTER, Christie Elaine appointeddirector
- 2022-09-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-03📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2019-07-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-20📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2019-02-18📄resolutionresolution · RESOLUTIONS
- 2019-02-15📄capital-name-of-class-of-sharescapital · SH08
- 2019-02-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-01-31🔒Charge registered #5Lender: Lloyds Bank PLC
- 2019-01-31🔒Charge registered #4Lender: Lloyds Bank PLC
- 2019-01-31🔒Charge registered #3Lender: Lloyds Bank PLC
- 2019-01-31🔒Charge registered #2Lender: Lloyds Bank PLC
- 2019-01-23🔒Charge registered #1Lender: Lloyds Bank PLC
- 2008-03-12🏢Company incorporatedAs A G CARTER LIMITED
- 2008-03-12➕CARTER, Andrew George appointeddirector
- 2008-03-12➕CARTER, Robert Henry appointedsecretary
Owner dependency
91/100
Critical — business is the founderThe 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.
- +Founder name in company name: Company name contains director surname "CARTER" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 18 years.
- secondaryStable-but-static management: Company is 18 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 low6 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew George Carter Individual · British · DOB 02/1981 · age 45 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Christie Elaine Carter Individual · British · DOB 08/1993 · age 33 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
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 · Healthcare & medical · FY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A H CHILD AND FAMILY ASSESSMENT SERVICES LTD→ 12131667 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| A HEART FOR CARE LIMITED→ 15536764 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| A JAVED LTD→ 04689174 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| AARTI PSYCH LTD→ 14100595 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AASIYAH LTD→ 16730782 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABBEYCARE(UK) LIMITED→ 10157800 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ABBOTSFIELD CARE HOME LIMITED→ 12282796 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ABILITY 2 ACHIEVE CARE & SUPPORT LIMITED→ 10456323 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ABODE HEALTHCARE LTD→ 13885253 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AC KNOWLES LTD→ 11899276 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ACO CLINIC LIMITED→ 16784157 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACORNS BREAKFAST AND AFTER SCHOOL CLUB LIMITED→ 15399157 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2008-03-12
Jurisdictionengland-wales
Primary SIC86230 — Dental practice activities
Registered office
28a Whitegate Drive
Blackpool
FY3 9AL
United Kingdom
Filing status
Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2027-03-26
Last: 2026-03-12
Officers (2 active · 1 resigned)
CARTER, Andrew George→
Activedirector · ~45y · appointed 2008-03-12
View their other companies + combined net worth →
CARTER, Christie Elaine→
Activedirector · ~33y · appointed 2023-04-06
View their other companies + combined net worth →
CARTER, Robert Henry→
Resignedsecretary · appointed 2008-03-12 · resigned 2023-05-05
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
6
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 29/10/2024 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 31/01/2019 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 31/01/2019 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 31/01/2019 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 31/01/2019 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 23/01/2019 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (65 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-20
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-19
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-02-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-16
termination-secretary-company-with-name-termination-date
officers · TM02
2023-05-05
appoint-person-director-company-with-name-date
officers · AP01
2023-05-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-08