3L CARE LIMITED
🌳Matureactive
07174346 · ltd · incorporated 2010-03-02
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
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Other human health activities
Sector: Human health & social work
Investor take
PursueActive trading company with a 69-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 12 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (53/100).
🏦
Refinance opportunity
12 live charges · 9 lenders · oldest 15.1y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 15.1 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Legal-friction score 53/100 (high).
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
12 charges (12/12 with lender, 12/12 with type)
90
Directors & officers
19 officers (2 active, 19 linked, 17 with DOB)
88
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
103 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.
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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 8100 | 9500 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (80 events)Click to expand
- 2025-12-19📄accounts-with-accounts-type-smallaccounts · AA
- 2025-04-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-04🔓Charge satisfied #10
- 2025-04-04🔓Charge satisfied #9
- 2025-03-31🔒Charge registered #12Lender: Barclays Bank PLC
- 2025-03-31🔒Charge registered #11Lender: Barclays Bank PLC
- 2024-12-13📄accounts-with-accounts-type-smallaccounts · AA
- 2024-09-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-12-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-09-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-11📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-09-11🔓Charge satisfied #7
- 2023-09-08➕GORE, Richard James appointeddirector
- 2023-09-08➕HOWARTH, Christopher Cardwell appointeddirector
- 2023-09-08➖GAUGE, Suzanne Nicola resigneddirector
- 2023-09-08➖MURPHY, Allison resigneddirector
- 2023-09-08➖STOCK, Rachel Louise resigneddirector
- 2023-09-08🔒Charge registered #10Lender: Unity Trust Bank PLC (Crn: 01713124)
- 2023-09-08🔒Charge registered #9Lender: Unity Trust Bank PLC (Crn: 01713124)
- 2023-06-09📄change-person-director-company-with-change-dateofficers · CH01
- 2023-05-30📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2023-05-24📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-05-24🔓Charge satisfied #8
- 2023-02-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-02-09🔓Charge satisfied #3
- 2023-02-09🔓Charge satisfied #2
- 2020-07-29🔒Charge registered #8Lender: Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
- 2019-09-06➕GAUGE, Suzanne Nicola appointeddirector
- 2019-09-06➖STOCK, Peter Alan resigneddirector
- 2018-03-23➖HIGGINS, Brian Richard resigneddirector
- 2017-10-13➕STOCK, Rachel Louise appointeddirector
- 2017-10-13➖TARRANT, Juliette Kelly resigneddirector
- 2017-10-13➖TARRANT, Marcus William resigneddirector
- 2017-08-31➕STOCK, Peter Alan appointeddirector
- 2016-07-23🔓Charge satisfied #6
- 2016-07-23🔓Charge satisfied #5
- 2016-07-23🔓Charge satisfied #4
- 2016-07-20➖ASCROFT, John Richard resignedsecretary
- 2016-07-20➕HIGGINS, Brian Richard appointeddirector
- 2016-07-20➕TARRANT, Juliette Kelly appointeddirector
Showing most recent 50 of 80 events
Owner dependency
73/100
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.
- +Founder age: Director aged approximately 69 — succession pressure is live.
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 69. Approaching typical UK retirement age — succession thinking likely.
- 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
3l Care Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
3l Care Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
3L CARE LIMITED
This company · 07174346
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 |
|---|---|---|---|---|
3l Care Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 20/07/2016 |
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 · GL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 5 VALLEYS PHYSIOTHERAPY (GLOUCESTER) LIMITED→ 14096394 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 5 VALLEYS PHYSIOTHERAPY (STROUD) LIMITED→ 14096391 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| A & P HEALTHCARE LTD→ 13828082 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ACCOLADE SUPPORT AND CARE LTD→ 08489684 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| ACP FIRST LTD→ 14321365 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ADELFI CARE SERVICES LIMITED→ 12935232 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ADERYN HEARING LTD→ 15947729 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADULARIA THERAPIES AND CONSULTANCY SUSSEX LIMITED→ 10382217 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ALISON JOY ROBINSON LTD→ 12574794 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ALLERGY AND PAEDIATRIC CLINIC (CHELTENHAM) LTD.→ 08483985 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| ALLIED HEALTH PHYSIOTHERAPY SERVICES LTD→ 16402035 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AMAZING TOUCH HEALTHCARE LIMITED→ 15127262 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2010-03-02
Jurisdictionengland-wales
Primary SIC86900 — Other human health activities
Registered office
Windsor House
Bayshill Road
Cheltenham
Gloucestershire
GL50 3AT
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-16
Last: 2026-03-02
Officers (2 active · 17 resigned)
GORE, Richard James→
Activedirector · ~56y · appointed 2023-09-08
View their other companies + combined net worth →
HOWARTH, Christopher Cardwell→
Activedirector · ~69y · appointed 2023-09-08
View their other companies + combined net worth →
ASCROFT, John Richard→
Resignedsecretary · appointed 2011-04-04 · resigned 2016-07-20
TARRANT, Juliette→
Resignedsecretary · appointed 2010-03-02 · resigned 2011-03-01
AMIN, Rajul→
Resigneddirector · ~66y · appointed 2011-12-12 · resigned 2012-12-07
ASCROFT, John Richard→
Resigneddirector · ~64y · appointed 2011-09-26 · resigned 2013-09-18
ASCROFT, John Richard→
Resigneddirector · ~64y · appointed 2010-03-02 · resigned 2011-04-04
GAUGE, Suzanne Nicola→
Resigneddirector · ~56y · appointed 2019-09-06 · resigned 2023-09-08
HIGGINS, Brian Richard→
Resigneddirector · ~53y · appointed 2016-07-20 · resigned 2018-03-23
MARLAND, Elizabeth Ann→
Resigneddirector · ~63y · appointed 2010-03-02 · resigned 2011-12-07
MURPHY, Allison→
Resigneddirector · ~55y · appointed 2014-02-01 · resigned 2023-09-08
SHANKS, Philip Thomas→
Resigneddirector · ~65y · appointed 2011-04-04 · resigned 2011-09-30
STOCK, Peter Alan→
Resigneddirector · ~82y · appointed 2017-08-31 · resigned 2019-09-06
STOCK, Rachel Louise→
Resigneddirector · ~54y · appointed 2017-10-13 · resigned 2023-09-08
TARRANT, Juliette Kelly→
Resigneddirector · ~56y · appointed 2016-07-20 · resigned 2017-10-13
TARRANT, Juliette Kelly→
Resigneddirector · ~56y · appointed 2010-03-02 · resigned 2011-03-01
TARRANT, Marcus William→
Resigneddirector · ~58y · appointed 2012-12-07 · resigned 2017-10-13
TARRANT, Marcus William→
Resigneddirector · ~58y · appointed 2011-10-06 · resigned 2011-12-07
TARRANT, Marcus William→
Resigneddirector · ~58y · appointed 2011-01-17 · resigned 2011-05-11
Click a director name to see their full track record across all companies.
Mortgages & charges
12
Total charges
2
Outstanding
1
Active lenders
Status:Lender:12 of 12 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 31/03/2025 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 31/03/2025 | — | |
| satisfied | Unity Trust Bank (Crn: 01713124) Unity Trust Bank PLC (Crn: 01713124) | A registered charge | — | 08/09/2023 | 04/04/2025 | |
| satisfied | Unity Trust Bank (Crn: 01713124) Unity Trust Bank PLC (Crn: 01713124) | A registered charge | 1 property | 08/09/2023 | 04/04/2025 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111) | A registered charge | — | 29/07/2020 | 24/05/2023 | |
| satisfied | Suzanne Nicola Gauge as Trustee of the Peter Stock Life Interest Settlement / Peter Alan Stock as Trustee of the Peter Stock Life Interest Settlement | A registered charge | 1 property | 20/07/2016 | 11/09/2023 | |
| satisfied | Duncan Cowburn (As Security Trustee) / Philip Owen (As Security Trustee) | A registered charge | 1 property | 26/07/2013 | 23/07/2016 | |
| satisfied | Ann Fairhurst (As Security Trustee) / Philip Thomas Shanks (As Security Trustee) | A registered charge | 1 property | 26/07/2013 | 23/07/2016 | |
| satisfied | Ann Fairhurst | A registered charge | 1 property | 26/07/2013 | 23/07/2016 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Legal mortgage | 1 property | 18/07/2011 | 09/02/2023 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Debenture | 1 property | 18/07/2011 | 09/02/2023 | |
| satisfied | Philip Shanks and Duncan Cowburn | Debenture | 1 property | 04/04/2011 | 01/08/2013 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (103 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-16
accounts-with-accounts-type-small
accounts · AA
2025-12-19
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-04
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-13
accounts-with-accounts-type-small
accounts · AA
2024-12-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-15
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-09-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-12
termination-director-company-with-name-termination-date
officers · TM01
2023-09-11