ABLE CARE LIMITED

🌳Matureactive
SC167762 · ltd · incorporated 1996-08-16
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
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 Aug 2025
Net worth
£586.8k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Other specialised construction activities n.e.c.
Sector: Construction
Investor take
Pursue
Asset-holding vehicle with a 64-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 85/100. Strong seller-intent signal (65/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 29.0y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 29.0 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.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
9 officers (3 active, 9 linked, 5 with DOB)
81
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
94 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
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 £586,773
Cash YoY
-12%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£316k
↓ 12% YoY
Net Worth
£587k
↑ 1.1% YoY
Current Assets
£742k
↑ 1.9% YoY
Current Liabilities
—
£0£148k£297k£445k£593k£742kAug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-08-312024-08-31
Total assets£659.5k£660.1k
Current assets£741.6k£727.9k
Cash£315.8k£359.6k
Debtors£291.6k£225.7k
Net assets£586.8k£580.6k

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
2
filings
  • • 1 mortgage
  • • 1 accounts
Last 90 days
2
filings
  • • 1 mortgage
  • • 1 accounts
Last 180 days
3
filings
  • • 1 mortgage
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (35 events)Click to expand
  1. 2026-04-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  2. 2026-04-15
    🔓
    Charge satisfied #2
  3. 2026-04-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-04-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2024-10-31
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  6. 2024-06-28
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  7. 2024-06-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2024-05-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2023-07-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2023-07-04
    🔓
    Charge satisfied #1
  11. 2023-06-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2023-05-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2023-01-20
    ➖
    MORRISON, Alan George resigned
    director
  14. 2022-05-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-05-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2020-05-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2019-05-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2018-05-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2017-04-07
    ➕
    MORRISON, Carol Anne appointed
    director
  20. 2017-04-07
    ➖
    MORRISON, Eric Vass resigned
    director
  21. 2015-04-25
    🔒
    Charge registered #2
    Lender: Bank of Scotland PLC
  22. 2012-07-31
    ➕
    ELLIOT, Stephen appointed
    director
  23. 2012-07-31
    ➖
    HOOD, David William resigned
    director
  24. 1997-04-23
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  25. 1996-08-16
    🏢
    Company incorporated
    As ABLE CARE LIMITED
  26. 1996-08-16
    ➕
    MORRISON, Carol Anne appointed
    secretary
  27. 1996-08-16
    ➕
    COMBINED SECRETARIAL SERVICES LIMITED appointed
    corporate-nominee-secretary
  28. 1996-08-16
    ➖
    COMBINED SECRETARIAL SERVICES LIMITED resigned
    corporate-nominee-secretary
  29. 1996-08-16
    ➕
    HOOD, David William appointed
    director
  30. 1996-08-16
    ➕
    MORRISON, Alan George appointed
    director
  31. 1996-08-16
    ➕
    MORRISON, Eric Vass appointed
    director
  32. 1996-08-16
    ➕
    COMBINED NOMINEES LIMITED appointed
    corporate-nominee-director
  33. 1996-08-16
    ➖
    COMBINED NOMINEES LIMITED resigned
    corporate-nominee-director
  34. 1996-08-16
    ➕
    COMBINED SECRETARIAL SERVICES LIMITED appointed
    corporate-nominee-director
  35. 1996-08-16
    ➖
    COMBINED SECRETARIAL SERVICES LIMITED resigned
    corporate-nominee-director

Owner dependency

66/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

79/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 14 years.
  • secondaryStable-but-static management: Company is 30 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

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

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Carol Anne Morrison
Individual · British · DOB 11/1962 · age 64
25–50%
25–50%25-50% shares · 25-50% voting05/09/2024
Mr Stephen Elliot
Individual · British · DOB 02/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mrs Carol Vanessa Elliot
Individual · British · DOB 08/1963 · age 63
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒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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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated1996-08-16
Jurisdictionscotland
Primary SIC43999 — Other specialised construction activities n.e.c.

Registered office

60 Seafield Road
Inverness
IV1 1SG

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-11-14
Last: 2025-10-31

Officers (3 active · 6 resigned)

MORRISON, Carol Anne→
secretary · appointed 1996-08-16
View their other companies + combined net worth →
Active
ELLIOT, Stephen→
director · ~59y · appointed 2012-07-31
View their other companies + combined net worth →
Active
MORRISON, Carol Anne→
director · ~64y · appointed 2017-04-07
View their other companies + combined net worth →
Active
COMBINED SECRETARIAL SERVICES LIMITED→
corporate-nominee-secretary · appointed 1996-08-16 · resigned 1996-08-16
Resigned
HOOD, David William→
director · ~73y · appointed 1996-08-16 · resigned 2012-07-31
Resigned
MORRISON, Alan George→
director · ~65y · appointed 1996-08-16 · resigned 2023-01-20
Resigned
MORRISON, Eric Vass→
director · ~64y · appointed 1996-08-16 · resigned 2017-04-07
Resigned
COMBINED NOMINEES LIMITED→
corporate-nominee-director · appointed 1996-08-16 · resigned 1996-08-16
Resigned
COMBINED SECRETARIAL SERVICES LIMITED→
corporate-nominee-director · appointed 1996-08-16 · resigned 1996-08-16
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—25/04/201515/04/2026
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property23/04/199704/07/2023

Recent filings (94 total)

mortgage-satisfy-charge-full
mortgage · MR04
2026-04-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-08
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-10-31
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-20
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-06-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-06-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-17
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-04
termination-director-company-with-name-termination-date
officers · TM01
2023-06-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-31