POLLOK DENTAL CARE LTD.
- · Oldest live charge 12.5y old — refinance window within 12 months
Opportunity 75/100 (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: strategic trade sale (65/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 12.5y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 12.5 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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 13 | 900 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 accounts
Corporate timeline (24 events)Click to expand
- 2026-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-06-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-06-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-06-27📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-27📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-10-10🔓Charge satisfied #1
- 2022-09-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-09-21🔒Charge registered #3Lender: Tsb Bank PLC
- 2022-08-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-04-21🔒Charge registered #2Lender: Tsb Bank PLC
- 2021-12-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-06-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2013-11-19🔒Charge registered #1Lender: National Westminster Bank PLC
- 2013-10-18🏢Company incorporatedAs POLLOK DENTAL CARE LTD.
- 2013-10-18➕KELLY, Angela appointeddirector
- 2013-10-18➕KELLY, Michael John 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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Angela Kelly Individual · British · DOB 11/1970 · age 56 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Michael John Kelly Individual · British · DOB 07/1971 · age 55 | 25–50% | 25–50% | 25-50% shares · 25-50% 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.
See pricing →Similar companies
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6 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 | Lloyds Banking Group Tsb Bank PLC | A registered charge | 1 property | 21/09/2022 | — | |
| outstanding | Lloyds Banking Group Tsb Bank PLC | A registered charge | — | 21/04/2022 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 19/11/2013 | 10/10/2022 |