CARTER LAUREN CONSTRUCTION (HOLDINGS) LIMITED
Opportunity 78/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 6.0y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key 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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £6.64M | £6.09M |
| Current assets | £2.05M | £2.11M |
| Cash | £35.7k | £45.7k |
| Debtors | £2.01M | £2.06M |
| Net assets | £6.64M | £6.09M |
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
Corporate timeline (21 events)Click to expand
- 2025-12-18📄accounts-with-accounts-type-groupaccounts · AA
- 2024-12-13📄accounts-with-accounts-type-groupaccounts · AA
- 2023-12-14📄accounts-with-accounts-type-groupaccounts · AA
- 2023-04-11📄accounts-with-accounts-type-groupaccounts · AA
- 2022-01-04📄accounts-with-accounts-type-groupaccounts · AA
- 2020-12-22📄accounts-with-accounts-type-groupaccounts · AA
- 2020-07-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-07-08🔒Charge registered #1Lender: Barclays Bank PLC
- 2019-12-31📄accounts-with-accounts-type-groupaccounts · AA
- 2019-04-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-04-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2018-05-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-05-22📄change-person-director-company-with-change-dateofficers · CH01
- 2018-05-22📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2018-05-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-05-11📄capital-allotment-sharescapital · SH01
- 2018-05-04📄resolutionresolution · RESOLUTIONS
- 2018-05-01➕JENKINS, Kevin Anthony appointeddirector
- 2018-04-20📄resolutionresolution · RESOLUTIONS
- 2018-04-10🏢Company incorporatedAs CARTER LAUREN CONSTRUCTION (HOLDINGS) LIMITED
- 2018-04-10➕CARTER, Neil Andrew appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "CARTER" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Neil Andrew Carter Individual · British · DOB 10/1965 · age 61 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 24/04/2018 |
Mr Neil Andrew Carter Individual · British · DOB 10/1965 · age 61 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 10/04/2018 |
1 historic (ceased) PSC
- Mr Kevin Anthony Jenkinsceased 24/04/2018· 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.
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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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 08/07/2020 | — |