CAREPAL UK LIMITED
🌳Matureactive
08770515 · ltd · incorporated 2013-11-12
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
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (59/100)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
Confirmed no charges registered
85
Directors & officers
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
35 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
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
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2026-02-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-14📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-02-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-08-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-11-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-02-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-02-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-11-29📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2018-08-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-06-29📄resolutionresolution · RESOLUTIONS
- 2017-10-10📄resolutionresolution · RESOLUTIONS
- 2017-09-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2015-07-30➖CRAWFORD, Iain David resigneddirector
- 2014-01-10➕CRAWFORD, Iain David appointeddirector
- 2013-11-12🏢Company incorporatedAs CAREPAL UK LIMITED
- 2013-11-12➕DUGDALE, Douglas appointedsecretary
- 2013-11-12➕DUGDALE, Douglas appointeddirector
- 2013-11-12➕FAYE, Elizabeth 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 58 — 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 58. Early succession window.
- 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Dfk Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Dfk Holdings Limited
Corporate parent · holds 75-100% shares
⬇
CAREPAL UK LIMITED
This company · 08770515
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
3 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Dfk Holdings Limited Corporate entity | 75–100% | — | 75-100% shares | 06/04/2016 |
Mr Douglas Dugdale Individual · British · DOB 07/1976 · age 50 | — | — | sig. influencesignificant influence | 06/04/2016 |
Ms Elizabeth Faye Individual · British · DOB 03/1968 · age 58 | — | — | sig. influencesignificant influence | 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
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|---|---|---|---|---|---|---|---|
| BURNLEY SAVINGS AND LOANS LIMITED→ 07640762 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CORT BRADSHAW LIMITED→ 15539008 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| DARWEN TERRACOTTA TRUSTEE LIMITED→ 16963308 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ESSAYMEDICAL LIMITED→ 12716171 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| EUPHORIA FINANCE LIMITED→ 10388285 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| FELLSIDE INVESTMENTS LTD→ 12433953 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| FITZPATRICK FAMILY OFFICE LTD→ 16831654 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FLOYD HOLDINGS LIMITED→ 15232502 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| FOGARTYS INSURANCE SERVICES LIMITED→ 05111524 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| G. STURGESS FINANCIAL PLANNING LIMITED→ 04967678 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| GEMINI HEALTH AND PROTECTION LTD.→ 12230935 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| GEORGE FINANCIAL SERVICES LIMITED→ 08352504 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
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
Incorporated2013-11-12
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Palm House
14 Ashton Drive
Nelson
BB9 0UA
England
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-11-26
Last: 2025-11-12
Officers (3 active · 1 resigned)
Active
DUGDALE, Douglas→
Activedirector · ~50y · appointed 2013-11-12
View their other companies + combined net worth →
FAYE, Elizabeth→
Activedirector · ~58y · appointed 2013-11-12
View their other companies + combined net worth →
CRAWFORD, Iain David→
Resigneddirector · ~63y · appointed 2014-01-10 · resigned 2015-07-30
Click a director name to see their full track record across all companies.
Recent filings (35 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-27
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-28
change-person-director-company-with-change-date
officers · CH01
2025-02-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-18
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-17
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-15
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-06-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-12
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-02
accounts-with-accounts-type-micro-entity
accounts · AA
2020-11-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-16