ACF CONSULTANTS LIMITED
🌳Matureactive
02189071 · ltd · incorporated 1987-10-27
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£7.75M
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Management consultancy activities other than financial management
Sector: Professional, scientific & technical
ALSO REGISTERED FOR
- 82990Other business support service activities n.e.c.
- 85320Technical and vocational secondary education
Investor take
PursueActive trading company with a 75-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 75). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 11 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
13 live charges · 11 lenders · oldest 38.6y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 38.6 years old — likely at or near maturity.
- · 11 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
13 charges (13/13 with lender, 13/13 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
130 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £7,752,456
Cash YoY
-33%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£15k
↓ 33% YoY
Net Worth
£7.8m
↑ 3.9% YoY
Current Assets
£2.1m
↑ 10% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-30 | 2024-05-30 |
|---|---|---|
| Total assets | £8.15M | £7.87M |
| Current assets | £2.13M | £1.93M |
| Cash | £14.9k | £22.3k |
| Debtors | £2.12M | £1.91M |
| Net assets | £7.75M | £7.46M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
1
filing
- • 1 persons-with-significant-control
Last 90 days
1
filing
- • 1 persons-with-significant-control
Last 180 days
3
filings
- • 1 persons-with-significant-control
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
- 2026-05-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-03-02📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-02-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-02-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-07-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-21🔓Charge satisfied #9
- 2023-07-13🔒Charge registered #13Lender: Optimum Sme Finance Limited
- 2023-05-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-02-01📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-02-01📄change-person-director-company-with-change-dateofficers · CH01
- 2023-02-01📄change-person-director-company-with-change-dateofficers · CH01
- 2023-02-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-08-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-05-30📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2021-10-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-02-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-05-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-05-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-05-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-05-17🔓Charge satisfied #12
- 2019-05-17🔓Charge satisfied #11
- 2019-05-17🔓Charge satisfied #10
- 2018-11-27🔒Charge registered #12Lender: Kseye Capital No.1 Limited
- 2016-07-15🔒Charge registered #11Lender: Lsc Finance Limited
- 2016-07-15🔒Charge registered #10Lender: Lsc Finance Limited
- 2014-07-18🔓Charge satisfied #5
- 2014-07-03🔒Charge registered #9Lender: Bibby Financial Services Limited (As Security Trustee)
- 2014-06-06🔓Charge satisfied #4
- 2014-05-22🔓Charge satisfied #8
- 2013-12-02🔓Charge satisfied #6
- 2013-02-20🔒Charge registered #8Lender: Masthaven Property Finance Limited
- 2012-01-20🔒Charge registered #7Lender: Trustees of Acf Consultants Pension Scheme
- 2008-09-02🔒Charge registered #6Lender: Cape Coral Limited
- 2006-04-28🔓Charge satisfied #3
- 2006-04-28🔓Charge satisfied #2
- 2004-06-09🔒Charge registered #5Lender: The Royal Bank of Scotland Commercial Services Limited
- 2003-03-14🔓Charge satisfied #1
- 2001-07-26🔒Charge registered #4Lender: National Westminster Bank PLC
- 1994-09-06🔒Charge registered #3Lender: Cometship Limited
- 1993-05-26🔒Charge registered #2Lender: Cometship Limited
- 1987-11-13🔒Charge registered #1Lender: Barclays Bank PLC
- 1987-10-27🏢Company incorporatedAs ACF CONSULTANTS LIMITED
Owner dependency
73/100
High — earn-out structure requiredMaterial 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.
- +Founder age: Director aged approximately 75 — succession pressure is live.
Succession & seller-readiness
76/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 39 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Dr Lawrence Charles Galitz Individual · British · DOB 02/1953 · age 73 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Ms Valerie Elizabeth Marchant-Mapp Individual · British · DOB 01/1951 · age 75 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
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 →Similar companies
Active · Professional services · EC postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ACME UK LTD→ 11551564 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACOBLOOM INTERNATIONAL UK LIMITED→ 11335765 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACORN ADVISORY GROUP LTD→ 07676159 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ACORN SPORTS PARTNERS LIMITED→ 15884044 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ACOUNTICA LTD→ 16448328 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACQUIRERUN LTD→ 16532539 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACQUISITION VENTURES LTD→ 05754544 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| ACQUISITIONS ALLIANCE HUB LTD→ 16297741 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ACRE PALM LTD→ 16024654 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ACSEL LTD→ 15438735 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ACTAX ACCOUNTING & TAX SERVICES LTD→ 07617313 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ACTC LTD→ 16028207 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated1987-10-27
Jurisdictionengland-wales
Primary SIC70229 — Management consultancy activities other than financial management
Registered office
128 City Road
London
EC1V 2NX
United Kingdom
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-30
Confirmation statement
Next due: 2027-03-11
Last: 2026-02-25
Officers (3 active · 0 resigned)
Active
Active
Active
Click a director name to see their full track record across all companies.
Mortgages & charges
13
Total charges
2
Outstanding
2
Active lenders
Status:Lender:13 of 13 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Optimum Sme Finance Optimum Sme Finance Limited | A registered charge | 2 properties | 13/07/2023 | — | |
| satisfied | Kseye Capital No.1 Kseye Capital No.1 Limited | A registered charge | — | 27/11/2018 | 17/05/2019 | |
| satisfied | Lsc Finance Lsc Finance Limited | A registered charge | — | 15/07/2016 | 17/05/2019 | |
| satisfied | Lsc Finance Lsc Finance Limited | A registered charge | — | 15/07/2016 | 17/05/2019 | |
| satisfied | Bibby Financial Services Bibby Financial Services Limited (As Security Trustee) | A registered charge | — | 03/07/2014 | 21/07/2023 | |
| satisfied | Masthaven Property Finance Masthaven Property Finance Limited | Mortgage debenture | 1 property | 20/02/2013 | 22/05/2014 | |
| outstanding | Trustees of Acf Consultants Pension Scheme | Deed of charge for secured loan | 1 property | 20/01/2012 | — | |
| satisfied | Cape Coral Cape Coral Limited | Rent deposit deed | 1 property | 02/09/2008 | 02/12/2013 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland Commercial Services Limited | Fixed and floating charge | 1 property | 09/06/2004 | 18/07/2014 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 26/07/2001 | 06/06/2014 | |
| satisfied | Cometship Cometship Limited | Rent deposit assignment | 1 property | 06/09/1994 | 28/04/2006 | |
| satisfied | Cometship Cometship Limited | Rent deposit assignment | 1 property | 26/05/1993 | 28/04/2006 | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 13/11/1987 | 14/03/2003 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (130 total)
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-05-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-03-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-02-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-24
mortgage-satisfy-charge-full
mortgage · MR04
2023-07-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-26
change-person-secretary-company-with-change-date
officers · CH03
2023-02-01
change-person-director-company-with-change-date
officers · CH01
2023-02-01
change-person-director-company-with-change-date
officers · CH01
2023-02-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-02-01