ACHERON CARE LIMITED
Opportunity 74/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (65/100).
Refinance opportunity
4 live charges · 4 lenders · oldest 5.0y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 5.0 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (73/100)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.
Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-07-31 |
|---|
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 accounts
- • 2 officers
- • 2 persons-with-significant-control
- • 1 accounts
Corporate timeline (27 events)Click to expand
- 2026-04-29📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-12-08📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-12-08📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-12🔒Charge registered #4Lender: Community Enable Funding Limited Crn: 16197578
- 2025-02-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-14🔒Charge registered #3Lender: Barclays Security Trustee Limited
- 2024-10-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-10-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-17🔒Charge registered #2Lender: Ffe Spv 2 Limited (Co. No. 14833449)
- 2023-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-21📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-04-25📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-10-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-10-27🔓Charge satisfied #1
- 2021-05-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-14🔒Charge registered #1Lender: Team Factors LTD
- 2021-05-11📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-09-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-09-11➕PATEL, Sanjiv appointeddirector
- 2019-07-26🏢Company incorporatedAs ACHERON CARE LIMITED
- 2019-07-26➕PATEL, Janine Lyndsay appointeddirector
- 2019-07-26📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.
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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Janine Lyndsay Patel Individual · British · DOB 09/1981 · age 45 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 26/07/2019 |
Mr Sanjiv Patel Individual · British · DOB 09/1976 · age 50 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 26/07/2019 |
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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|---|---|---|---|---|---|---|---|
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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 · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Community Enable Funding Crn: 16197578 Community Enable Funding Limited Crn: 16197578 | A registered charge | 1 property | 12/09/2025 | — | |
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | — | 14/02/2025 | — | |
| outstanding | Ffe Spv 2 (Co. No. 14833449) Ffe Spv 2 Limited (Co. No. 14833449) | A registered charge | 2 properties | 17/05/2024 | — | |
| satisfied | Team Factors Team Factors LTD | A registered charge | 1 property | 14/05/2021 | 27/10/2021 |