20/20 ICARE LTD
Opportunity 73/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
1 live charge · oldest 5.4y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
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.
Key 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 | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Average employees | 600 | 700 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (14 events)Click to expand
- 2025-04-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-18📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-01-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-12-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-11-23🔒Charge registered #1Lender: National Westminster Bank PLC
- 2020-09-09🏢Company incorporatedAs 20/20 ICARE LTD
- 2020-09-09➕PATEL, Hassan appointeddirector
- 2020-09-09📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 6 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.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Hassan Patel Individual · British · DOB 03/1991 · age 35 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 09/09/2020 |
Mrs Haleema Bashir Individual · British · DOB 01/1990 · age 36 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 28/01/2024 |
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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7 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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 23/11/2020 | — |