BAINSFORD FOOT CLINIC LIMITED
- · Oldest live charge 10.7y old — refinance window within 12 months
No material changes in the last 30 days.
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
Opportunity 78/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 10.7y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (79/100)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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £174.8k | £179.2k |
| Current assets | £41 | £36 |
| Net assets | £25.6k | £30.3k |
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 (32 events)Click to expand
- 2025-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-06-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-04-10📄mortgage-create-with-deedmortgage · MR01
- 2025-03-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-05🔒Charge registered #4Lender: The Royal Bank of Scotland
- 2024-10-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-22📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2022-03-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-08🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2021-10-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-10-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-03-12📄second-filing-of-director-appointment-with-nameofficers · RP04AP01
- 2018-03-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-02-03📄gazette-filings-brought-up-to-dategazette · DISS40
- 2017-10-01➕FITZPATRICK, Emily appointedsecretary
- 2017-10-01➕FITZPATRICK, Barry appointeddirector
- 2017-09-30➖SMITH, Andrew resignedsecretary
- 2017-09-30➖SMITH, Andrew resigneddirector
- 2017-07-30➖MCALEENAN, John resigneddirector
- 2017-07-07➖DOCHERTY, Patrick resigneddirector
- 2015-10-03🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2015-09-03🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2006-01-24🏢Company incorporatedAs BAINSFORD FOOT CLINIC LIMITED
- 2006-01-24➕FITZPATRICK, Emily appointeddirector
- 2006-01-24➕SMITH, Andrew appointedsecretary
- 2006-01-24➕DOCHERTY, Patrick appointeddirector
- 2006-01-24➕MCALEENAN, John appointeddirector
- 2006-01-24➕SMITH, Andrew appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 20 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Emily Fitzpatrick Individual · British · DOB 10/1977 · age 49 | 75–100% | — | 75-100% shares | 18/10/2017 |
1 historic (ceased) PSC
- Mr Andy Smithceased 30/09/2017· significant influence
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 (3 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland | A registered charge | 1 property | 05/03/2025 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 08/03/2022 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 03/10/2015 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 03/09/2015 | — |