ADCAM UK LIMITED

🌳Matureactive
03534724 · ltd · incorporated 1998-03-25
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£1.12M
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: SIC 81100
Sector: Administrative & support services
Investor take
Pursue
Active trading company with a 72-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 57/100. Strong seller-intent signal (83/100, director aged 72). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

13 live charges · 3 lenders · oldest 27.7y

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 27.7 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

Data confidence

Overall: medium (78/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

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
13 charges (13/13 with lender, 13/13 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 2 with DOB)
77
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
74 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
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £1,122,260
Cash YoY
+13%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£66k
↑ 13% YoY
Net Worth
£1.1m
~ YoY
Current Assets
£66k
↑ 11% YoY
Current Liabilities
—
£0£224k£449k£673k£898k£1.1mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£1.19M£1.19M
Current assets£65.8k£59.3k
Cash£65.8k£58.2k
Debtors—£1.1k
Net assets£1.12M£1.12M

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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
  1. 2025-11-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-11-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-08-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-10-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2020-09-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2019-07-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2018-07-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2017-11-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2016-08-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  11. 2016-03-25
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  12. 2015-07-08
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2015-03-29
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2014-12-04
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2014-04-05
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2014-03-07
    🔒
    Charge registered #13
    Lender: Onesavings Bank PLC
  17. 2010-04-09
    🔒
    Charge registered #12
    Lender: The Royal Bank of Scotland PLC
  18. 2006-12-12
    🔒
    Charge registered #11
    Lender: The Mortgage Works (UK) PLC
  19. 2002-02-18
    🔒
    Charge registered #10
    Lender: The Royal Bank of Scotland PLC
  20. 1999-08-20
    🔒
    Charge registered #9
    Lender: The Royal Bank of Scotland PLC
  21. 1999-08-20
    🔒
    Charge registered #8
    Lender: The Royal Bank of Scotland PLC
  22. 1999-08-13
    🔒
    Charge registered #7
    Lender: The Royal Bank of Scotland PLC
  23. 1999-05-18
    🔒
    Charge registered #6
    Lender: The Royal Bank of Scotland PLC
  24. 1999-04-23
    🔒
    Charge registered #5
    Lender: The Royal Bank of Scotland PLC
  25. 1999-02-07
    🔒
    Charge registered #4
    Lender: The Royal Bank of Scotland PLC
  26. 1998-11-02
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  27. 1998-10-25
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  28. 1998-10-16
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  29. 1998-03-30
    ➕
    BANNER, Carol June appointed
    secretary
  30. 1998-03-30
    ➕
    BANNER, Carol June appointed
    director
  31. 1998-03-30
    ➕
    BANNER, Graham John appointed
    director
  32. 1998-03-30
    ➖
    COMBINED SECRETARIAL SERVICES LIMITED resigned
    corporate-nominee-secretary
  33. 1998-03-30
    ➖
    COMBINED NOMINEES LIMITED resigned
    corporate-nominee-director
  34. 1998-03-30
    ➖
    COMBINED SECRETARIAL SERVICES LIMITED resigned
    corporate-nominee-director
  35. 1998-03-25
    🏢
    Company incorporated
    As ADCAM UK LIMITED
  36. 1998-03-25
    ➕
    COMBINED SECRETARIAL SERVICES LIMITED appointed
    corporate-nominee-secretary
  37. 1998-03-25
    ➕
    COMBINED NOMINEES LIMITED appointed
    corporate-nominee-director
  38. 1998-03-25
    ➕
    COMBINED SECRETARIAL SERVICES LIMITED appointed
    corporate-nominee-director

Owner dependency

91/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

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 28 years — deep operational knowledge concentrated in one person.
  • +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

96/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • 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.
  • primary20+ year tenure: Director in role 28 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 28 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 low
13 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Graham John Banner
Individual · British · DOB 05/1957 · age 69
25–50%
—25-50% shares26/11/2016
Mrs Carol June Banner
Individual · British · DOB 06/1954 · age 72
25–50%
—25-50% shares26/11/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated1998-03-25
Jurisdictionengland-wales
Primary SIC81100 — SIC 81100

Registered office

Hadland House
Hillside Road, Flore
Northampton
Northamptonshire
NN7 4NR

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-22
Last: 2026-03-08

Officers (3 active · 3 resigned)

BANNER, Carol June→
secretary · appointed 1998-03-30
View their other companies + combined net worth →
Active
BANNER, Carol June→
director · ~72y · appointed 1998-03-30
View their other companies + combined net worth →
Active
BANNER, Graham John→
director · ~69y · appointed 1998-03-30
View their other companies + combined net worth →
Active
COMBINED SECRETARIAL SERVICES LIMITED→
corporate-nominee-secretary · appointed 1998-03-25 · resigned 1998-03-30
Resigned
COMBINED NOMINEES LIMITED→
corporate-nominee-director · appointed 1998-03-25 · resigned 1998-03-30
Resigned
COMBINED SECRETARIAL SERVICES LIMITED→
corporate-nominee-director · appointed 1998-03-25 · resigned 1998-03-30
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

13
Total charges
13
Outstanding
3
Active lenders
Status:Lender:13 of 13 shown
TypeProperties
outstanding
Onesavings Bank
Onesavings Bank PLC
A registered charge1 property07/03/2014—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Legal charge1 property09/04/2010—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
Mortgage deed1 property12/12/2006—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Legal charge1 property18/02/2002—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Legal charge1 property20/08/1999—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Legal charge1 property20/08/1999—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Legal charge1 property13/08/1999—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Legal charge1 property18/05/1999—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Legal charge1 property23/04/1999—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Legal charge1 property07/02/1999—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Legal charge1 property02/11/1998—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Legal charge1 property25/10/1998—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Legal charge1 property16/10/1998—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (74 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-07-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-03-26