INDEPENDENT CARE PLANS U.K. LTD.

🌳Matureactive

SC156942 · ltd · incorporated 1995-03-27

Investment thesis

Looks cheap but ownership + security both unclear — probable value trap.

Why interesting: Headline metrics may be attractive.

Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 29.0y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£331.4k

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Other business support service activities n.e.c.

Sector: Administrative & support services

Investor take

Pursue

Active trading company with a 69-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 29.0y

50/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 29.0 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (72/100)

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

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

21 officers (7 active, 21 linked, 15 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

3 connected companies via shared directors

Filing history

126 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £331,361

Cash YoY

+50%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£578k

↑ 50% YoY

Net Worth

£331k

↑ 61% YoY

Current Assets

£608k

↑ 56% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Total assets	£348.3k	£223.1k
Current assets	£607.8k	£389.1k
Cash	£578.5k	£384.7k
Debtors	£29.3k	£4.4k
Net assets	£331.4k	£206.2k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal 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

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (58 events)Click to expand

2025-09-17
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-04-15
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2025-04-15
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-04-15
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-04-14
📄
change-person-director-company-with-change-date
officers · CH01
2025-04-11
➕
RUTHERFORD, Graham, Dr appointed
secretary
2025-04-11
➖
SHARP, Iain resigned
secretary
2025-04-11
➖
SHARP, Iain Andrew resigned
director
2024-11-19
📄
memorandum-articles
incorporation · MA
2024-11-19
📄
resolution
resolution · RESOLUTIONS
2024-08-12
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-11-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-11-08
➕
DONALD, Robert Mcmillan, Dr appointed
director
2023-10-24
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-02-07
📄
change-person-secretary-company-with-change-date
officers · CH03
2023-01-24
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-12-01
📄
resolution
resolution · RESOLUTIONS
2022-12-01
📄
memorandum-articles
incorporation · MA
2022-11-16
➖
LONGSTAFF, William Ridley resigned
director
2022-07-27
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-05-24
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-05-24
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2022-05-24
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-05-24
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2021-11-17
➕
DRUMMOND, Neal Fraser appointed
director
2021-11-17
➖
JAMIESON, John resigned
secretary
2021-11-17
➕
SHARP, Iain appointed
secretary
2021-11-17
➖
JAMIESON, John resigned
director
2021-07-16
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2007-12-10
➕
RUTHERFORD, Graham appointed
director
2007-12-04
➖
DONALD, Robert Mcmillan resigned
director
1998-07-20
🔒
Charge registered #2
Lender: The Royal Bank of Scotland PLC
1997-11-12
➕
BEHRENDT, Margaret Anne appointed
director
1997-11-12
➕
HUNTER, Millar appointed
director
1997-11-12
➕
LEEMING, Kevin Alfred appointed
director
1997-11-12
➖
JONES, Malcolm Derek resigned
director
1997-11-12
➖
MCINTYRE, Iain Thomson resigned
director
1997-11-12
➖
WALLACE, Neil resigned
director
1997-05-14
🔒
Charge registered #1
Lender: Clydesdale Bank Public Limited Company
1996-12-04
➕
SHARP, Iain Andrew appointed
director
1996-12-04
➕
WALLACE, Neil appointed
director
1996-10-18
➖
CLIFF, Richard Wallace resigned
director
1996-09-28
➖
BARRY, John Gerard resigned
director
1995-05-04
➖
CLIFF, Richard Wallace resigned
secretary
1995-04-26
➕
JONES, Malcolm Derek appointed
director
1995-04-24
➕
JAMIESON, John appointed
secretary
1995-04-24
➕
JAMIESON, John appointed
director
1995-04-24
➕
LONGSTAFF, William Ridley appointed
director
1995-04-24
➕
MCINTYRE, Iain Thomson appointed
director
1995-04-04
➕
CLIFF, Richard Wallace appointed
secretary

Showing most recent 50 of 58 events

Owner dependency

65/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 28 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 69 — succession pressure is live.

Succession & seller-readiness

70/100

Strong succession signal

Multiple 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.
primary20+ year tenure: Director in role 28 years. Very long tenure is a classic succession signal.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

🔒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 →

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QHS SCOTLAND LTD→ SC315075 · est 2007	—	—	£1.30M	—	19y	83	64y
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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.

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Company details

Statusactive

Typeltd

Incorporated1995-03-27

Jurisdictionscotland

Primary SIC82990 — Other business support service activities n.e.c.

Registered office

Suite A Fourth Floor

Young Street

Inverness

IV3 5BL

Scotland

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-03-17

Last: 2026-03-03