BEAR CARE SERVICES GROUP LTD
🌿Early-stageactive
14309151 · ltd · incorporated 2022-08-22
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
£-3.9k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Activities of other holding companies n.e.c.
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed asset-holding vehicle — structural issues outweigh the discount.
Opportunity 77/100 (strong), bankability 75/100. 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 2.8y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 2.8 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
12 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Negative net assets
Liabilities exceed assets by £3,929
Net assets shrinking
Down £18,881 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£4k
↓ 126% YoY
Current Assets
£66
↓ 21% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Total assets | £-3.9k | £15.0k |
| Current assets | £66 | £84 |
| Net assets | £-3.9k | £15.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (13 events)Click to expand
- 2025-11-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-10-19📄capital-allotment-sharescapital · SH01
- 2023-09-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-14🔒Charge registered #1Lender: Aldermore Bank PLC
- 2023-06-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-02📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2022-08-22🏢Company incorporatedAs BEAR CARE SERVICES GROUP LTD
- 2022-08-22➕MCCARTER, Ian John appointeddirector
- 2022-08-22➕MCCARTER, Louise Ann appointeddirector
- 2022-08-22📄incorporation-companyincorporation · NEWINC
Owner dependency
74/100
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.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ian John Mccarter Individual · British · DOB 11/1968 · age 58 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 22/08/2022 |
Mrs Louise Ann Mccarter Individual · British · DOB 12/1970 · age 56 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 22/08/2022 |
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 · Holding company · WN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A & J BEST HOLDINGS LTD→ 10017531 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| AGENT HEADSETS LIMITED→ 06977728 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| AQUA TRACKSIDE LTD→ 03089045 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| ARANGA SERVICES LTD→ 15124224 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ARD MANAGEMENT LTD→ 16851639 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AUTOQUALITY WIGAN HOLDINGS LIMITED→ 09709996 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| AXIS HOUSING LTD→ 16555092 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AZTEC INDUSTRIAL HOLDINGS LIMITED→ 03815817 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| BATE HOLDINGS LTD→ 10513091 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| BEACON VIEW MANAGEMENT COMPANY LIMITED→ 05066292 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| BEARMONT GROUP HOLDINGS LTD→ 14292145 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BEE AND FLOWER LIMITED→ 04760202 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2022-08-22
Jurisdictionengland-wales
Primary SIC64209 — Activities of other holding companies n.e.c.
Registered office
Suite 3c, Blackthorn House Skull House Lane
Appley Bridge
Wigan
WN6 9DB
England
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2026-09-04
Last: 2025-08-21
Officers (2 active · 0 resigned)
MCCARTER, Ian John→
Activedirector · ~58y · appointed 2022-08-22
View their other companies + combined net worth →
MCCARTER, Louise Ann→
Activedirector · ~56y · appointed 2022-08-22
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | — | 14/09/2023 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (12 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-21
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-22
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-21
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-06
capital-allotment-shares
capital · SH01
2023-10-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-15
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-06-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-09-27
change-account-reference-date-company-current-shortened
accounts · AA01
2022-09-02
incorporation-company
incorporation · NEWINC
2022-08-22