AI CARE TOPCO LIMITED
Opportunity 67/100 (strong), bankability 52/100. 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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (65/100).
Refinance opportunity
5 live charges · 3 lenders · oldest 2.4y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 2.4 years old — likely still in initial term.
- · 3 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 · FRS 102| Metric | 2025-01-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 confirmation-statement
Corporate timeline (18 events)Click to expand
- 2025-12-04📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-07-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-04-13📄memorandum-articlesincorporation · MA
- 2024-02-27📄resolutionresolution · RESOLUTIONS
- 2024-02-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-14🔒Charge registered #5Lender: Ai Care Sec Limited as Security Trustee
- 2024-02-14🔒Charge registered #4Lender: Ai Care Sec Limited as Security Trustee
- 2024-02-14🔒Charge registered #3Lender: Ai Care Sec Limited as Security Trustee
- 2024-02-14🔒Charge registered #2Lender: West End Capital Finance Limited
- 2024-02-14🔒Charge registered #1Lender: Hsbc UK Bank PLC
- 2024-01-23🏢Company incorporatedAs AI CARE TOPCO LIMITED
- 2024-01-23➕O'CONNELL, Gareth appointedsecretary
- 2024-01-23➕O'CONNELL, Gareth appointeddirector
- 2024-01-23📄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.
- +Young company: Only 2.4 years old — management layer unlikely to be developed.
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
1 lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Gareth O'Connell Individual · Irish · DOB 11/1971 · age 55 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 23/01/2024 |
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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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 →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)
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Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Ai Care Sec as Security Trustee Ai Care Sec Limited as Security Trustee | A registered charge | 1 property | 14/02/2024 | — | |
| outstanding | Ai Care Sec as Security Trustee Ai Care Sec Limited as Security Trustee | A registered charge | 1 property | 14/02/2024 | — | |
| outstanding | Ai Care Sec as Security Trustee Ai Care Sec Limited as Security Trustee | A registered charge | 1 property | 14/02/2024 | — | |
| outstanding | West End Capital Finance West End Capital Finance Limited | A registered charge | 1 property | 14/02/2024 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 14/02/2024 | — |