3L CARE GROUP LIMITED
🏛️Establishedactive
12662209 · ltd · incorporated 2020-06-11
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
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Other human health activities
Sector: Human health & social work
Investor take
PursueActive trading company with a 69-year-old founder — textbook succession opportunity.
Opportunity 76/100 (strong), bankability 67/100. Strong seller-intent signal (60/100, director aged 69). 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: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
6 live charges · 3 lenders · oldest 5.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 5.9 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 33/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (75/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 5 with DOB)
90
Ownership & PSC
1 active PSC(s) of 6 total, 6 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
51 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 |
|---|---|
| Average employees | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (41 events)Click to expand
- 2025-12-19📄accounts-with-accounts-type-smallaccounts · AA
- 2025-09-02📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2025-04-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-04🔓Charge satisfied #3
- 2025-04-04🔓Charge satisfied #2
- 2025-03-31🔒Charge registered #6Lender: Barclays Bank PLC
- 2025-03-31🔒Charge registered #5Lender: Barclays Bank PLC
- 2025-03-31🔒Charge registered #4Lender: Barclays Bank PLC
- 2024-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-03-26📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2023-09-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-09-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-09-13📄resolutionresolution · RESOLUTIONS
- 2023-09-13📄memorandum-articlesincorporation · MA
- 2023-09-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-09-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-11📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-09-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-09-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-09-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-08➕GORE, Richard James appointeddirector
- 2023-09-08➕HOWARTH, Christopher Cardwell appointeddirector
- 2023-09-08➖GAUGE, Suzanne Nicola resigneddirector
- 2023-09-08➖MURPHY, Allison resigneddirector
- 2023-09-08➖STOCK, Rachel Louise resigneddirector
- 2023-09-08🔒Charge registered #3Lender: Unity Trust Bank PLC (Crn: 01713124)
- 2023-09-08🔒Charge registered #2Lender: Unity Trust Bank PLC (Crn: 01713124)
- 2023-06-23🔓Charge satisfied #1
- 2020-07-02➕MURPHY, Allison appointeddirector
- 2020-07-02🔒Charge registered #1Lender: Chattanooga Family Investment Company
- 2020-06-11🏢Company incorporatedAs 3L CARE GROUP LIMITED
- 2020-06-11➕GAUGE, Suzanne Nicola appointeddirector
- 2020-06-11➕STOCK, Rachel Louise appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 69 — succession pressure is live.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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
We Change Lives (Wcl) is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
We Change Lives (Wcl)
Corporate parent · holds 75-100% shares · board control
⬇
3L CARE GROUP LIMITED
This company · 12662209
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 |
|---|---|---|---|---|
We Change Lives (Wcl) Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 08/09/2023 |
5 historic (ceased) PSCs
- Marion Stockceased 08/09/2023· 75-100% shares · 75-100% voting · board control · trust interest
- Ms Rachel Louise Stockceased 08/09/2023· 75-100% shares · 75-100% voting · board control · trust interest
- Mrs Suzanne Nicola Gaugeceased 08/09/2023· 75-100% shares · 75-100% voting · board control · trust interest
- Affinity Trust Limitedceased 08/09/2023· 75-100% shares · 75-100% voting · board control · trust interest
- Rachel Louise Collisterceased 11/06/2020· 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 · GL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 5 VALLEYS PHYSIOTHERAPY (GLOUCESTER) LIMITED→ 14096394 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 5 VALLEYS PHYSIOTHERAPY (STROUD) LIMITED→ 14096391 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ACCOLADE SUPPORT AND CARE LTD→ 08489684 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| ACP FIRST LTD→ 14321365 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ACTIVE THERAPY CIRENCESTER LTD→ 17106370 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AD CAVE SOLUTIONS LIMITED→ 09611634 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ADELFI CARE SERVICES LIMITED→ 12935232 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ADERYN HEARING LTD→ 15947729 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADM GLOUCESTERSHIRE LTD→ 11393120 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ADRIAN PETER JONES LTD→ 14096138 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ADULARIA THERAPIES AND CONSULTANCY "INDEPENDENT LIVING" LIMITED→ 10378891 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ADULARIA THERAPIES AND CONSULTANCY LTD→ 07397884 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2020-06-11
Jurisdictionengland-wales
Primary SIC86900 — Other human health activities
Registered office
Windsor House
Bayshill Road
Cheltenham
Gloucestershire
GL50 3AT
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-06-24
Last: 2025-06-10
Officers (2 active · 3 resigned)
GORE, Richard James→
Activedirector · ~56y · appointed 2023-09-08
View their other companies + combined net worth →
HOWARTH, Christopher Cardwell→
Activedirector · ~69y · appointed 2023-09-08
View their other companies + combined net worth →
GAUGE, Suzanne Nicola→
Resigneddirector · ~56y · appointed 2020-06-11 · resigned 2023-09-08
MURPHY, Allison→
Resigneddirector · ~55y · appointed 2020-07-02 · resigned 2023-09-08
STOCK, Rachel Louise→
Resigneddirector · ~54y · appointed 2020-06-11 · resigned 2023-09-08
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
3
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 31/03/2025 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 31/03/2025 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 31/03/2025 | — | |
| satisfied | Unity Trust Bank (Crn: 01713124) Unity Trust Bank PLC (Crn: 01713124) | A registered charge | 1 property | 08/09/2023 | 04/04/2025 | |
| satisfied | Unity Trust Bank (Crn: 01713124) Unity Trust Bank PLC (Crn: 01713124) | A registered charge | — | 08/09/2023 | 04/04/2025 | |
| satisfied | Chattanooga Family Investment Company | A registered charge | — | 02/07/2020 | 23/06/2023 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (51 total)
accounts-with-accounts-type-small
accounts · AA
2025-12-19
change-account-reference-date-company-previous-extended
accounts · AA01
2025-09-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-23
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-04
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-09-24
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-24
change-account-reference-date-company-previous-extended
accounts · AA01
2024-03-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-09-22
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-09-22
resolution
resolution · RESOLUTIONS
2023-09-13