ACT ASSOCIATES LIMITED
- · Oldest live charge 30.5y old — refinance window within 12 months
- 62012Business and domestic software development
- 70229Management consultancy activities other than financial management
- 85590Other education n.e.c.
Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (78/100, director aged 72). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
2 live charges · oldest 30.5y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 30.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · 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 | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 13 | 1100 |
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
- • 3 persons-with-significant-control
- • 2 officers
- • 3 persons-with-significant-control
- • 2 officers
- • 1 accounts
Corporate timeline (24 events)Click to expand
- 2026-02-25📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-25📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-25📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-03-21🔓Charge satisfied #2
- 2023-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-02-16🔓Charge satisfied #1
- 2022-11-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-01-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-28➖NEWELL, Barrie Arthur resignedsecretary
- 2016-09-28➖NEWELL, Barrie Arthur resigneddirector
- 2000-01-14➖NEWELL, Jillian Dianne resigneddirector
- 1996-02-22🔒Charge registered #2Lender: Lloyds Bank PLC
- 1995-10-27🔒Charge registered #1Lender: Lloyds Bank PLC
- 1991-04-30🏢Company incorporatedAs ACT ASSOCIATES LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 72 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 72 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 35 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ian Frank Coombes Individual · English · DOB 06/1954 · age 72 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 29/09/2016 |
Mrs Michelle Dione Coombes Individual · British · DOB 07/1960 · age 66 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 18/12/2025 |
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 · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Single debenture | 1 property | 22/02/1996 | 21/03/2024 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 27/10/1995 | 16/02/2023 |