1ST HOME CARE LTD.
- · Oldest live charge 12.0y old — refinance window within 12 months
- 88100Social work activities without accommodation for the elderly and disabled
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (68/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 12.0y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 12.0 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 28/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (59/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Recent activity
- • 1 accounts
Corporate timeline (60 events)Click to expand
- 2026-01-07📄accounts-with-accounts-type-smallaccounts · AA
- 2025-09-30➖SARGENT, David Ian resigneddirector
- 2025-09-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-12-19📄accounts-with-accounts-type-smallaccounts · AA
- 2024-04-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-04-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-04-17➕MCCUTCHEON, Sharon Elizabeth appointeddirector
- 2024-04-17➕TRENCH, Jean appointeddirector
- 2024-01-10📄accounts-with-accounts-type-smallaccounts · AA
- 2023-07-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-07-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-07-11➖SIMON, Vivien resigneddirector
- 2023-07-01➕SARGENT, David Ian appointeddirector
- 2023-04-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-26➖HARDCASTLE, Ian David resigneddirector
- 2023-04-26➖SARGENT, David Ian, Dr resigneddirector
- 2023-04-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-03-30📄accounts-with-accounts-type-smallaccounts · AA
- 2023-02-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-06-21📄change-person-director-company-with-change-dateofficers · CH01
- 2022-06-21📄change-person-director-company-with-change-dateofficers · CH01
- 2022-04-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-04-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-04-05📄accounts-with-accounts-type-smallaccounts · AA
- 2021-09-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-08-17➕SIMON, Vivien appointeddirector
- 2021-02-01📄accounts-with-accounts-type-smallaccounts · AA
- 2019-05-31➖MCDONALD, John resigneddirector
- 2019-01-31➖LETT, Simon John Read resignedsecretary
- 2019-01-31➕HARDCASTLE, Ian David appointeddirector
- 2019-01-31➖LETT, Simon John Read resigneddirector
- 2018-08-01🔒Charge registered #2Lender: Rbs Invoice Finance LTD
- 2018-05-01➕LETT, Simon John Read appointeddirector
- 2018-05-01➕SARGENT, David Ian, Dr appointeddirector
- 2018-02-01➖KIRKBY, Azra Nisar resigneddirector
- 2016-04-19➕MCDONALD, John appointeddirector
- 2016-03-31➖HUTCHINSON, Brian Ronald resigneddirector
- 2015-05-07➖KIRKBY, Azra Nisar resignedsecretary
- 2015-05-07➕LETT, Simon John Read appointedsecretary
- 2014-12-16➖MYERS, Charles Anthony resigneddirector
- 2014-12-02➕KIRKBY, Azra Nisar appointeddirector
- 2014-12-01➕KIRKBY, Azra Nisar appointedsecretary
- 2014-12-01➖MYERS, Charles Anthony resignedsecretary
- 2014-11-30➖GUILLIATT, Glenn William resigneddirector
- 2014-04-07➕MYERS, Charles Anthony appointedsecretary
- 2014-04-07➕GUILLIATT, Glenn William appointeddirector
- 2014-04-07➖HENDERSON, Lesley Anne resigneddirector
- 2014-04-07➕HUTCHINSON, Brian Ronald appointeddirector
- 2014-04-07➕MYERS, Charles Anthony appointeddirector
- 2014-04-07🔒Charge registered #1Lender: National Westminster Bank PLC
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.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanGroup structure
Real Life Options is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Real Life Options Corporate entity | 75–100% | — | 75-100% shares | 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 · 18 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | NatWest Group Rbs Invoice Finance LTD | A registered charge | — | 01/08/2018 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 07/04/2014 | — |