ABLECARE (PHILIPHAUGH) LTD

🌳Matureactive
08839680 · ltd · incorporated 2014-01-10
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 12.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£687.1k
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Other residential care activities n.e.c.
Sector: Human health & social work
Investor take
Pursue
Active trading company with a 62-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 62). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 12.0y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 12.0 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
5 officers (4 active, 5 linked, 5 with DOB)
90
Ownership & PSC
4 active PSC(s) of 4 total, 4 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
46 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £687,104
Cash YoY
+24%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£125k
↑ 24% YoY
Net Worth
£687k
↑ 7.0% YoY
Current Assets
£148k
↓ 21% YoY
Current Liabilities
—
£0£137k£275k£412k£550k£687kJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-07-312024-07-31
Total assets£818.4k£912.6k
Current assets£148.1k£188.5k
Cash£124.9k£100.8k
Debtors£23.1k£87.7k
Net assets£687.1k£642.3k

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
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
  1. 2026-04-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-08-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-08-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2025-08-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2025-08-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2025-08-13
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2025-04-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2024-04-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2023-04-24
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2022-04-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2021-04-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2021-04-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2021-04-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2021-04-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2020-03-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  16. 2019-04-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  17. 2019-02-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  18. 2019-02-06
    🔓
    Charge satisfied #1
  19. 2019-02-05
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  20. 2019-02-05
    🔓
    Charge satisfied #2
  21. 2019-01-03
    🔒
    Charge registered #3
    Lender: National Westminster Bank PLC
  22. 2016-02-01
    ➕
    AKHURST, Jacqueline Sarah appointed
    director
  23. 2016-02-01
    ➕
    MCINULTY, Constance Mary appointed
    director
  24. 2014-06-30
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  25. 2014-06-27
    🔒
    Charge registered #2
    Lender: Lloyds Bank PLC
  26. 2014-01-10
    🏢
    Company incorporated
    As ABLECARE (PHILIPHAUGH) LTD
  27. 2014-01-10
    ➕
    MCINULTY, David appointed
    director
  28. 2014-01-10
    ➕
    MCINULTY, Jason Paul appointed
    director
  29. 2014-01-10
    ➕
    KAHAN, Barbara appointed
    director
  30. 2014-01-10
    ➖
    KAHAN, Barbara resigned
    director

Owner dependency

56/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

53/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • secondary12+ year tenure: Director in role 12 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

4 active beneficial owners · fragmented
NameSharesVoting rightsNature of controlNotified
Mr David James Mcinulty
Individual · British · DOB 10/1964 · age 62
25–50%
—25-50% shares06/04/2016
Mrs Constance Mary Mcinulty
Individual · British · DOB 01/1971 · age 55
25–50%
—25-50% shares06/04/2016
Jacqueline Sarah Akhurst
Individual · British · DOB 02/1966 · age 60
25–50%
—25-50% shares06/04/2016
Mr Jason Paul Mcinulty
Individual · British · DOB 09/1971 · age 55
25–50%
—25-50% shares06/04/2016

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 →

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7BREATHS MEDITATION LTD→
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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
Incorporated2014-01-10
Jurisdictionengland-wales
Primary SIC87900 — Other residential care activities n.e.c.

Registered office

237 Westcombe Hill
London
SE3 7DW
United Kingdom

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-01-24
Last: 2026-01-10

Officers (4 active · 1 resigned)

AKHURST, Jacqueline Sarah→
director · ~60y · appointed 2016-02-01
View their other companies + combined net worth →
Active
MCINULTY, Constance Mary→
director · ~55y · appointed 2016-02-01
View their other companies + combined net worth →
Active
MCINULTY, David→
director · ~62y · appointed 2014-01-10
View their other companies + combined net worth →
Active
MCINULTY, Jason Paul→
director · ~55y · appointed 2014-01-10
View their other companies + combined net worth →
Active
KAHAN, Barbara→
director · ~95y · appointed 2014-01-10 · resigned 2014-01-10
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge1 property03/01/2019—
satisfied
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property30/06/201406/02/2019
satisfied
Lloyds Banking Group
Lloyds Bank PLC
A registered charge—27/06/201405/02/2019
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (46 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-24
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-13
change-person-director-company-with-change-date
officers · CH01
2025-08-13
change-person-director-company-with-change-date
officers · CH01
2025-08-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-08-13
change-person-director-company-with-change-date
officers · CH01
2025-08-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-04-30
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-04-24
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-04-27
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-10