5AB CARE LTD
- · Oldest live charge 5.7y old — refinance window within 12 months
Opportunity 70/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
Refinance opportunity
6 live charges · oldest 5.7y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (74/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 |
|---|---|
| Total assets | £1.24M |
| Current assets | £1.17M |
| Cash | £112.6k |
| Debtors | £866.4k |
| Net assets | £1.02M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 2 mortgage
- • 2 officers
- • 1 accounts
Corporate timeline (34 events)Click to expand
- 2026-04-13📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2026-02-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-02-20🔓Charge satisfied #5
- 2026-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-09🔒Charge registered #6Lender: Lloyds Bank PLC
- 2026-01-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2026-01-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-10-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-15🔓Charge satisfied #4
- 2024-08-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-08🔒Charge registered #5Lender: Lloyds Bank PLC
- 2024-04-29📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2024-04-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-04-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-04-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-09-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-04-19🔒Charge registered #4Lender: Lloyds Bank PLC
- 2021-06-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-06-10🔓Charge satisfied #2
- 2021-05-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-19🔒Charge registered #3Lender: Lloyds Bank PLC
- 2020-11-27🔒Charge registered #2Lender: Lloyds Bank PLC
- 2020-10-01🔒Charge registered #1Lender: Lloyds Bank PLC
- 2020-01-23➕KALIRAI, Satbir Singh appointeddirector
- 2020-01-23➕KALIRAI, Satbir Singh appointeddirector
- 2020-01-23➖KALIRAI, Satbir Singh resigneddirector
- 2018-01-22🏢Company incorporatedAs 5AB CARE LTD
- 2018-01-22➕THEARA, Sanjeevan Singh 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
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
5ab Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
5ab Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/02/2023 |
2 historic (ceased) PSCs
- Mr Sanjeevan Singh Thearaceased 01/02/2023· 25-50% shares · 25-50% voting · board control
- Mr Satbir Singh Kaliraiceased 01/02/2023· 25-50% shares · 25-50% voting · board control
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.
See pricing →Similar companies
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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 →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 (2 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 09/02/2026 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 08/08/2024 | 20/02/2026 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 19/04/2022 | 15/08/2024 | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 19/05/2021 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 27/11/2020 | 10/06/2021 | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 01/10/2020 | — |