M.F.D. ASSOCIATES LIMITED
🏛️Establishedactive
10746458 · ltd · incorporated 2017-04-28
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: General medical practice activities
Sector: Human health & social work
ALSO REGISTERED FOR
- 86230Dental practice activities
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 75/100 (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
9 live charges · 3 lenders · oldest 7.3y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 7.3 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: medium (61/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
9 charges (9/9 with lender, 9/9 with type)
90
Directors & officers
11 officers (4 active, 11 linked, 8 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
24 connected companies via shared directors
90
Filing history
67 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Last 180 days
4
filings
- • 2 officers
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (57 events)Click to expand
- 2026-03-30📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2026-03-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-19➕TINNING, Murray John appointeddirector
- 2026-03-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-12➖AINLEY, Harvey Bertenshaw resigneddirector
- 2025-10-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-13🔒Charge registered #9Lender: Santander UK PLC as Security Agent
- 2025-06-17📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2025-05-07📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-05-07📄legacyaccounts · PARENT_ACC
- 2025-05-07📄legacyother · GUARANTEE2
- 2025-05-07📄legacyother · AGREEMENT2
- 2025-03-26📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-01-31➕OAKWOOD CORPORATE SECRETARY LIMITED appointedcorporate-secretary
- 2025-01-31➕BARCLAY, Jacqueline Harris appointeddirector
- 2025-01-31📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-01-31📄appoint-corporate-secretary-company-with-name-dateofficers · AP04
- 2025-01-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-01-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-01-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-01-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-01-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-01-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-01-25🔓Charge satisfied #6
- 2025-01-25🔓Charge satisfied #5
- 2025-01-25🔓Charge satisfied #4
- 2025-01-25🔓Charge satisfied #3
- 2025-01-25🔓Charge satisfied #2
- 2025-01-25🔓Charge satisfied #1
- 2024-12-10📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-12-10📄legacyother · GUARANTEE2
- 2024-12-10📄legacyother · AGREEMENT2
- 2024-11-26📄legacyaccounts · PARENT_ACC
- 2024-09-09🔒Charge registered #8Lender: Santander UK PLC (Company Number 02294747) as Security Trustee for the Secured Parties
- 2024-05-29➕AINLEY, Harvey Bertenshaw appointeddirector
- 2022-08-31🔒Charge registered #7Lender: Santander UK PLC as Security Agent
- 2022-07-29➕HANS, Jagdeep Singh, Dr appointeddirector
- 2022-07-29➖SMITH, Avron Woolf resigneddirector
- 2019-12-18🔒Charge registered #6Lender: Lloyds Bank PLC
- 2019-12-10🔒Charge registered #5Lender: Lloyds Bank PLC
- 2019-06-04🔒Charge registered #4Lender: Lloyds Bank PLC
- 2019-04-24🔒Charge registered #3Lender: Lloyds Bank PLC
- 2019-03-05🔒Charge registered #2Lender: Lloyds Bank PLC
- 2019-03-05🔒Charge registered #1Lender: Lloyds Bank PLC
- 2019-01-25➖KERR, Emma Kate, Mrs. resignedsecretary
- 2019-01-25➖KERR, Jamie Raymond resignedsecretary
- 2019-01-25➖CADDELL, Louisa Elizabeth resigneddirector
- 2019-01-25➖KERR, Emma Kate resigneddirector
- 2019-01-25➕SMITH, Avron Woolf appointeddirector
Showing most recent 50 of 57 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
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
Incisive Smiles Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Incisive Smiles Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
M.F.D. ASSOCIATES LIMITED
This company · 10746458
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 |
|---|---|---|---|---|
Incisive Smiles Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 25/01/2019 |
1 historic (ceased) PSC
- Mr Jamie Raymond Kerrceased 25/01/2019· 75-100% shares · 75-100% voting · board control
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 · WA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A.H DENT LTD→ 14013749 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| A&J SPHYNX LIMITED→ 11023777 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ACUPUNCTURE & HERBS LIMITED→ 04611979 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ADVANCED SKIN SERVICES LTD→ 16866810 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AFK ENTERPRISE LIMITED→ 15476419 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AGE CONCERN MID MERSEY→ 02625647 · est 1991 · no financials extracted | — | — | — | — | 34y | — | — |
| AHR CARE LTD→ 12190496 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AIDAPT BATHROOMS LIMITED→ 02464054 · est 1990 · no financials extracted | — | — | — | — | 36y | — | — |
| AJ HEALTH SOLUTION LTD→ 15705835 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AJ SMILES LTD→ 14142832 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AJC MEDICAL SERVICES LTD→ 15444181 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AJDJ LIMITED→ 13351138 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2017-04-28
Jurisdictionengland-wales
Primary SIC86210 — General medical practice activities
Registered office
3rd Floor 1 Ashley Road
Altrincham
Cheshire
WA14 2DT
United Kingdom
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-03-31
Confirmation statement
Next due: 2027-05-11
Last: 2026-04-27
Officers (4 active · 7 resigned)
OAKWOOD CORPORATE SECRETARY LIMITED→
Activecorporate-secretary · appointed 2025-01-31
View their other companies + combined net worth →
BARCLAY, Jacqueline Harris→
Activedirector · ~64y · appointed 2025-01-31
View their other companies + combined net worth →
HANS, Jagdeep Singh, Dr→
Activedirector · ~38y · appointed 2022-07-29
View their other companies + combined net worth →
TINNING, Murray John→
Activedirector · ~41y · appointed 2026-03-19
View their other companies + combined net worth →
KERR, Emma Kate, Mrs.→
Resignedsecretary · appointed 2017-04-28 · resigned 2019-01-25
KERR, Jamie Raymond→
Resignedsecretary · appointed 2017-04-28 · resigned 2019-01-25
AINLEY, Harvey Bertenshaw→
Resigneddirector · ~60y · appointed 2024-05-29 · resigned 2026-03-12
CADDELL, Louisa Elizabeth→
Resigneddirector · ~47y · appointed 2017-04-28 · resigned 2019-01-25
KERR, Emma Kate→
Resigneddirector · ~47y · appointed 2017-04-28 · resigned 2019-01-25
KERR, Jamie Raymond→
Resigneddirector · ~43y · appointed 2017-04-28 · resigned 2017-04-28
SMITH, Avron Woolf→
Resigneddirector · ~68y · appointed 2019-01-25 · resigned 2022-07-29
Click a director name to see their full track record across all companies.
Mortgages & charges
9
Total charges
3
Outstanding
1
Active lenders
Status:Lender:9 of 9 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Santander Santander UK PLC as Security Agent | A registered charge | 1 property | 13/10/2025 | — | |
| outstanding | Santander Santander UK PLC (Company Number 02294747) as Security Trustee for the Secured Parties | A registered charge | 1 property | 09/09/2024 | — | |
| outstanding | Santander Santander UK PLC as Security Agent | A registered charge | 1 property | 31/08/2022 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 18/12/2019 | 25/01/2025 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 10/12/2019 | 25/01/2025 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 04/06/2019 | 25/01/2025 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 24/04/2019 | 25/01/2025 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 3 properties | 05/03/2019 | 25/01/2025 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 05/03/2019 | 25/01/2025 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (67 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-27
change-account-reference-date-company-current-shortened
accounts · AA01
2026-03-30
appoint-person-director-company-with-name-date
officers · AP01
2026-03-26
termination-director-company-with-name-termination-date
officers · TM01
2026-03-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-14
change-account-reference-date-company-previous-extended
accounts · AA01
2025-06-17
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-05-07
legacy
accounts · PARENT_ACC
2025-05-07
legacy
other · GUARANTEE2
2025-05-07
legacy
other · AGREEMENT2
2025-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-29
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-03-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-01-31
appoint-corporate-secretary-company-with-name-date
officers · AP04
2025-01-31
appoint-person-director-company-with-name-date
officers · AP01
2025-01-31