FAIRFIELD CARE HOME (INVERNESS) LIMITED
- · Oldest live charge 14.4y old — refinance window within 12 months
Opportunity 77/100 (strong), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
5 live charges · 2 lenders · oldest 14.4y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 14.4 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)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 | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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
- • 1 mortgage
- • 1 officers
- • 1 mortgage
- • 1 officers
- • 1 mortgage
- • 1 officers
Corporate timeline (28 events)Click to expand
- 2026-04-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-06🔒Charge registered #5Lender: Prestige Developments Highland LTD
- 2026-03-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-11➕MANDA, Orita appointeddirector
- 2025-08-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-10-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-10-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-10-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-10-05🔓Charge satisfied #4
- 2017-10-05🔓Charge satisfied #3
- 2017-10-05🔓Charge satisfied #2
- 2017-10-05🔓Charge satisfied #1
- 2017-08-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2017-07-03📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2014-12-01🔒Charge registered #4Lender: Barclays Bank PLC
- 2012-01-25🔒Charge registered #3Lender: Barclays Bank PLC
- 2011-12-13🔒Charge registered #2Lender: Barclays Bank PLC
- 2011-11-23🔒Charge registered #1Lender: Barclays Bank PLC
- 2011-06-29🏢Company incorporatedAs FAIRFIELD CARE HOME (INVERNESS) LIMITED
- 2011-06-29➕MANDA, Tejpartap Singh appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 90 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 15 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- primaryFamily succession underway: Not a takeover target — MANDA, Orita (same surname) appointed 2026-02-11. Pattern consistent with intra-family handover.
- primaryFounder aged 70+: Senior director is approximately 90 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 15 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Tejpartap Singh Manda Individual · British · DOB 11/1936 · age 90 | — | 75–100% | 75-100% voting | 06/04/2016 |
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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Prestige Developments Highland Prestige Developments Highland LTD | A registered charge | 2 properties | 06/04/2026 | — | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | 1 property | 01/12/2014 | 05/10/2017 | |
| satisfied | Barclays Barclays Bank PLC | Standard security | 1 property | 25/01/2012 | 05/10/2017 | |
| satisfied | Barclays Barclays Bank PLC | Standard security | 1 property | 13/12/2011 | 05/10/2017 | |
| satisfied | Barclays Barclays Bank PLC | Floating charge | 1 property | 23/11/2011 | 05/10/2017 |