CARRICK CARE LTD
Opportunity 70/100 (strong), bankability 67/100. 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
6 live charges · 3 lenders · oldest 7.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 7.3 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £3.60M | £3.77M |
| Current assets | £1.38M | £1.63M |
| Cash | £4.7k | £50.7k |
| Debtors | £1.37M | £1.58M |
| Net assets | £156.8k | £155.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
Corporate timeline (31 events)Click to expand
- 2025-12-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-10📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-10📄change-person-secretary-company-with-change-dateofficers · CH03
- 2024-12-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-02-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-28🔒Charge registered #6Lender: Unity Trust Bank PLC
- 2024-01-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-10-03📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-10-03🔓Charge satisfied #3
- 2023-10-03🔓Charge satisfied #1
- 2023-03-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-08🔒Charge registered #5Lender: Unity Trust Bank PLC
- 2022-11-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-28📄memorandum-articlesincorporation · MA
- 2021-07-28📄resolutionresolution · RESOLUTIONS
- 2021-07-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-22🔒Charge registered #4Lender: Unity Trust Bank PLC
- 2021-03-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-07📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2019-07-11🔓Charge satisfied #2
- 2019-07-04🔒Charge registered #3Lender: Clydesdale Bank PLC
- 2019-04-18🔒Charge registered #2Lender: Clydesdale Bank PLC
- 2019-01-26🔒Charge registered #1Lender: Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111)
- 2018-05-25🏢Company incorporatedAs CARRICK CARE LTD
- 2018-05-25➕LATIF, Nadia appointedsecretary
- 2018-05-25➕LATIF, Mohammed Razwan appointeddirector
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.
- +No director turnover: Company is 8 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.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
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 Mohammed Razwan Latif Individual · British · DOB 02/1986 · age 40 | 75–100% | — | 75-100% shares | 25/05/2018 |
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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|---|---|---|---|---|---|---|---|
| J.RODGER AESTHETICS LIMITED→ SC624162 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
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| LIBERIAUXILIUM LIMITED→ SC749749 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| LIFELONG SMILES LTD→ SC490491 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| LITTLE FLOWER CARE PVT LTD→ SC599993 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| LITTLE HANDS NURSERY (CONDORRAT) LIMITED→ SC807802 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| LITTLE KICKERS NURSERY LTD→ SC845847 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| LOCH RYAN PRACTICE LIMITED→ SC756365 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| LOCHLYLE LIMITED→ SC560853 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
8 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 | Unity Trust Bank Unity Trust Bank PLC | A registered charge | — | 28/02/2024 | — | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | 1 property | 08/03/2023 | — | |
| outstanding | Unity Trust Bank Unity Trust Bank PLC | A registered charge | — | 22/06/2021 | — | |
| satisfied | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 04/07/2019 | 03/10/2023 | |
| satisfied | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 18/04/2019 | 11/07/2019 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale and Yorkshire Bank) (Company Number SC001111) | A registered charge | — | 26/01/2019 | 03/10/2023 |