ACTIONPACE LIMITED
🌳Matureactive
03225279 · ltd · incorporated 1996-07-16
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 74/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: portfolio break-up (40/100).
🏦
Refinance opportunity
26 live charges · 6 lenders · oldest 29.7y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 29.7 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
26 charges (26/26 with lender, 26/26 with type)
90
Directors & officers
9 officers (2 active, 9 linked, 4 with DOB)
79
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
127 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
65
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 200 | 200 |
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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (63 events)Click to expand
- 2025-12-31📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-12-31📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-31📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-31📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-08-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-08-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-01📄gazette-filings-brought-up-to-dategazette · DISS40
- 2023-07-11📄gazette-notice-compulsorygazette · GAZ1
- 2023-05-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-22📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2022-07-15📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-11-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-04-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-04-21🔓Charge satisfied #19
- 2016-06-10🔒Charge registered #26Lender: Commercial Acceptances Limited
- 2008-09-30🔒Charge registered #25Lender: Barclays Bank PLC
- 2008-07-17➕SCHUMAN, Kelly appointeddirector
- 2008-07-17➖SCHUMAN, Kelly resignedsecretary
- 2007-07-17➕SCHUMAN, Kelly appointedsecretary
- 2007-07-17➖SCHUMAN, Norman resignedsecretary
- 2007-06-12🔒Charge registered #24Lender: Skipton Building Society
- 2007-06-12🔒Charge registered #23Lender: Skipton Building Society
- 2007-03-07🔒Charge registered #22Lender: Skipton Building Society
- 2007-03-07🔒Charge registered #21Lender: Skipton Building Society
- 2006-06-01🔒Charge registered #20Lender: Barclays Bank PLC
- 2006-06-01🔒Charge registered #19Lender: Barclays Bank PLC
- 2006-06-01🔒Charge registered #18Lender: Barclays Bank PLC
- 2004-04-05🔒Charge registered #17Lender: Paragon Mortgages Limited
- 2004-02-27🔒Charge registered #16Lender: Barclays Bank PLC
- 2004-02-27🔒Charge registered #15Lender: Barclays Bank PLC
- 2004-02-19➖SCHUMAN, Kelly resigneddirector
- 2003-10-21🔒Charge registered #14Lender: Barclays Bank PLC
- 2003-06-20➕SCHUMAN, Kelly appointeddirector
- 2003-06-05🔒Charge registered #13Lender: Paragon Mortgages Limited
- 2003-06-05🔒Charge registered #12Lender: Paragon Mortgages Limited
- 2003-06-05🔒Charge registered #11Lender: Paragon Mortgages Limited
- 2003-03-31➖SCHUMAN, Norman resigneddirector
- 2002-08-19🔒Charge registered #10Lender: Barclays Bank PLC
- 2002-03-22🔒Charge registered #9Lender: Flourishbest Limited
- 2002-01-14🔒Charge registered #8Lender: Flourishbest Limited
- 2001-08-24🔒Charge registered #7Lender: Barclays Bank PLC
- 2001-08-10🔒Charge registered #6Lender: Barclays Bank PLC
- 2000-01-11🔒Charge registered #5Lender: Flourishbest Limited
- 1999-09-20🔒Charge registered #4Lender: Flourishbest Limited
Showing most recent 50 of 63 events
Owner dependency
76/100
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.
- +Long-tenure founder: Senior director has been in place 30 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 30 years. Very long tenure is a classic succession signal.
- 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
1 low25 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Jonathan Floyd Schuman Individual · British · DOB 06/1969 · age 57 | 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.
🔒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 · Property · LU postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A. GHAFFAR PROPERTY INVESTMENT LTD→ 16392331 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| A5K PROPERTIES LTD→ 15950085 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AA LANDMARK LIMITED→ 15848038 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABLIVAMBO PROPERTIES LTD→ 16887257 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABOH RESIDENTIALS LTD→ 12805281 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ABSA INVESTMENTS LIMITED→ 09880025 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| AC PROPERTY INVESTMENT LTD→ 15674554 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ACF INVESTMENTS LTD→ 09906585 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ACN PROPERTY LIMITED→ 15265757 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ACRAENTERPRISE LTD→ 16378163 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ACT (LUTON) LIMITED→ 09985082 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ADDA GROUP LTD→ 14690837 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated1996-07-16
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Victory House
Chobham Street
Luton
Beds
LU1 3BS
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-07-17
Last: 2026-07-03
Officers (2 active · 7 resigned)
SCHUMAN, Jonathan Floyd→
Activedirector · ~57y · appointed 1996-11-28
View their other companies + combined net worth →
SCHUMAN, Kelly→
Activedirector · ~56y · appointed 2008-07-17
View their other companies + combined net worth →
HUSSEIN, Mesut→
Resignedsecretary · appointed 1996-08-30 · resigned 1996-11-30
SCHUMAN, Kelly→
Resignedsecretary · appointed 2007-07-17 · resigned 2008-07-17
SCHUMAN, Norman→
Resignedsecretary · appointed 1996-11-30 · resigned 2007-07-17
WING, Clifford Donald→
Resignedsecretary · appointed 1996-07-16 · resigned 1996-08-30
SCHUMAN, Kelly→
Resigneddirector · ~56y · appointed 2003-06-20 · resigned 2004-02-19
SCHUMAN, Norman→
Resigneddirector · ~87y · appointed 1996-08-30 · resigned 2003-03-31
BONUSWORTH LIMITED→
Resignedcorporate-director · appointed 1996-07-16 · resigned 1996-08-30
Click a director name to see their full track record across all companies.
Mortgages & charges
26
Total charges
25
Outstanding
5
Active lenders
Status:Lender:26 of 26 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Commercial Acceptances Commercial Acceptances Limited | A registered charge | 1 property | 10/06/2016 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 30/09/2008 | — | |
| outstanding | Skipton Building Society | Legal charge | 1 property | 12/06/2007 | — | |
| outstanding | Skipton Building Society | Legal charge | 1 property | 12/06/2007 | — | |
| outstanding | Skipton Building Society | Legal charge | 1 property | 07/03/2007 | — | |
| outstanding | Skipton Building Society | Legal charge | 1 property | 07/03/2007 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 01/06/2006 | — | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 01/06/2006 | 21/04/2017 | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 01/06/2006 | — | |
| outstanding | Paragon Paragon Mortgages Limited | Legal charge | 1 property | 05/04/2004 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 27/02/2004 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 27/02/2004 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 21/10/2003 | — | |
| outstanding | Paragon Paragon Mortgages Limited | Legal charge | 1 property | 05/06/2003 | — | |
| outstanding | Paragon Paragon Mortgages Limited | Legal charge | 1 property | 05/06/2003 | — | |
| outstanding | Paragon Paragon Mortgages Limited | Legal charge | 1 property | 05/06/2003 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 19/08/2002 | — | |
| outstanding | Flourishbest Flourishbest Limited | Legal charge | 1 property | 22/03/2002 | — | |
| outstanding | Flourishbest Flourishbest Limited | Legal charge | 1 property | 14/01/2002 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 24/08/2001 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 10/08/2001 | — | |
| outstanding | Flourishbest Flourishbest Limited | Legal charge | 1 property | 11/01/2000 | — | |
| outstanding | Flourishbest Flourishbest Limited | Legal charge | 1 property | 20/09/1999 | — | |
| outstanding | Flourishbest Flourishbest LTD | Legal charge | 2 properties | 30/09/1998 | — | |
| outstanding | Paragon Paragon Mortgages Limited | Legal charge | 1 property | 30/07/1998 | — | |
| outstanding | Flourishbest Flourishbest Limited | Legal charge | 1 property | 29/11/1996 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (127 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-07-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-31
change-person-director-company-with-change-date
officers · CH01
2025-12-31
change-person-director-company-with-change-date
officers · CH01
2025-12-31
change-person-director-company-with-change-date
officers · CH01
2025-12-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-18
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-17
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-10-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-08-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-08
gazette-filings-brought-up-to-date
gazette · DISS40
2023-08-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-31