ACLAIMS LIMITED
Opportunity 44/100 (watch), bankability 42/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (35/100). Current lenders should be on monthly review.
Refinance opportunity
5 live charges · 3 lenders · oldest 28.3y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 28.3 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: medium (72/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2019-01-13 |
|---|---|
| Total assets | £626.2k |
| Current assets | £784.2k |
| Cash | £4.1k |
| Debtors | £255.0k |
| Net assets | £166.0k |
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
- • 1 gazette
- • 1 gazette
- • 1 insolvency
Corporate timeline (48 events)Click to expand
- 2026-04-21⚠️gazette-dissolved-liquidationgazette · GAZ2
- 2026-04-21🏁Company dissolved
- 2026-01-21⚠️liquidation-voluntary-creditors-return-of-final-meetinginsolvency · LIQ14
- 2025-11-05⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2025-08-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-11-09⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2023-10-18⚠️liquidation-disclaimer-noticeinsolvency · NDISC
- 2023-09-21⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2023-09-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-09-08⚠️liquidation-in-administration-move-to-creditors-voluntary-liquidationinsolvency · AM22
- 2023-03-07⚠️liquidation-in-administration-progress-reportinsolvency · AM10
- 2023-02-08⚠️liquidation-in-administration-extension-of-periodinsolvency · AM19
- 2023-02-07⚠️liquidation-in-administration-extension-of-periodinsolvency · AM19
- 2022-09-07⚠️liquidation-in-administration-progress-reportinsolvency · AM10
- 2022-06-08⚠️liquidation-administration-notice-deemed-approval-of-proposalsinsolvency · AM06
- 2022-04-28⚠️liquidation-in-administration-proposalsinsolvency · AM03
- 2022-04-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-04-23🔓Charge satisfied #3
- 2022-04-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-02-11⚠️liquidation-in-administration-appointment-of-administratorinsolvency · AM01
- 2022-02-08📄gazette-notice-compulsorygazette · GAZ1
- 2021-04-28📄gazette-filings-brought-up-to-dategazette · DISS40
- 2021-04-27📄gazette-notice-compulsorygazette · GAZ1
- 2021-04-25📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-11-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-11🔒Charge registered #5Lender: Msp Capital Limited
- 2018-09-11🔒Charge registered #4Lender: Msp Capital Limited
- 2017-10-05➕KEEN, Peter appointeddirector
- 2017-05-22🔒Charge registered #3Lender: Sarah Jane Banks
- 2017-01-13➕KEEN, Peter George appointedsecretary
- 2017-01-13➕KEEN, Leasa Leanne appointeddirector
- 2017-01-13➖MKL SECRETARIES LIMITED resignedcorporate-secretary
- 2017-01-13➖GLOVER, Louise resigneddirector
- 2017-01-13➖GLOVER, Robin Clifford resigneddirector
- 2015-07-17🔓Charge satisfied #2
- 2015-07-17🔓Charge satisfied #1
- 2013-08-05➕GLOVER, Louise appointeddirector
- 2007-07-10➖GLOVER, Robin Clifford resignedsecretary
- 2007-07-10➕MKL SECRETARIES LIMITED appointedcorporate-secretary
- 2007-07-10➖PRICE, Peter Frank resigneddirector
- 1998-02-13🔒Charge registered #2Lender: National Westminster Bank PLC
- 1998-02-06🔒Charge registered #1Lender: National Westminster Bank PLC
- 1998-01-05🏢Company incorporatedAs ACLAIMS LIMITED
- 1998-01-05➕GLOVER, Robin Clifford appointedsecretary
- 1998-01-05➕SWIFT INCORPORATIONS LIMITED appointedcorporate-nominee-secretary
- 1998-01-05➖SWIFT INCORPORATIONS LIMITED resignedcorporate-nominee-secretary
- 1998-01-05➕GLOVER, Robin Clifford appointeddirector
- 1998-01-05➕PRICE, Peter Frank appointeddirector
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 28 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
2 high · 1 med ·Company has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2026-04-21
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2026-04-21: gazette-dissolved-liquidation; 2026-01-21: liquidation-voluntary-creditors-return-of-final-meeting
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Robin Clifford Glover Individual · British · DOB 04/1948 · age 78 | 25–50% | — | 25-50% shares | 06/04/2016 |
1 historic (ceased) PSC
- Mrs Louise Gloverceased 18/01/2018· 50-75% shares
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.
See pricing →Similar companies
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9 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 (0 active · 6 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Msp Capital Msp Capital Limited | A registered charge | 1 property | 11/09/2018 | — | |
| outstanding | Msp Capital Msp Capital Limited | A registered charge | 1 property | 11/09/2018 | — | |
| satisfied | Sarah Jane Banks / Clive John Banks | A registered charge | 1 property | 22/05/2017 | 23/04/2022 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 13/02/1998 | 17/07/2015 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 06/02/1998 | 17/07/2015 |