ARCARE FOR FORTE LIMITED
Opportunity 74/100 (strong), bankability 67/100. 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: strategic trade sale (73/100).
Refinance opportunity
4 live charges · 3 lenders · oldest 12.5y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 12.5 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: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Average employees | 16 | 1500 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (28 events)Click to expand
- 2025-11-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-05📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2023-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-06-16📄capital-allotment-sharescapital · SH01
- 2020-06-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-05-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-05-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-05-28🔓Charge satisfied #4
- 2020-05-28🔓Charge satisfied #3
- 2019-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-16➖SHARMA, Raj Kishan, Dr resigneddirector
- 2018-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-18📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2016-02-22🔒Charge registered #4Lender: Bcrs Business Loans Limited
- 2014-03-03🔒Charge registered #3Lender: Black Country Reinvestment Society LTD
- 2014-02-07🔒Charge registered #2Lender: Lloyds Bank PLC
- 2014-01-24🔒Charge registered #1Lender: Lloyds Bank PLC
- 2013-06-26🏢Company incorporatedAs ARCARE FOR FORTE LIMITED
- 2013-06-26➕SABHARWAL, Sumit appointedsecretary
- 2013-06-26➕SABHARWAL, Sumit appointeddirector
- 2013-06-26➕SHARMA, Katen appointeddirector
- 2013-06-26➕SHARMA, Raj Kishan, Dr appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Sumit Sabharwal Individual · British · DOB 12/1980 · age 46 | 25–50% | — | 25-50% shares | 01/07/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (3 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Bcrs Business Loans Bcrs Business Loans Limited | A registered charge | 1 property | 22/02/2016 | 28/05/2020 | |
| satisfied | Black Country Reinvestment Society Black Country Reinvestment Society LTD | A registered charge | 1 property | 03/03/2014 | 28/05/2020 | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 07/02/2014 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 24/01/2014 | — |