ACORN ASSESSORS LIMITED
🌳Matureactive
03552937 · ltd · incorporated 1998-04-24
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Risk and damage evaluation
Sector: Financial & insurance
Investor take
PursueActive trading company with a 65-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (93/100, director aged 65). 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: strategic trade sale (73/100).
🏦
Refinance opportunity
3 live charges · 3 lenders · oldest 24.8y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 24.8 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
10 officers (3 active, 10 linked, 6 with DOB)
82
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
110 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
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 | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 28 | 3000 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
2
filings
- • 1 address
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (45 events)Click to expand
- 2026-04-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-02-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-01-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-01-15🔓Charge satisfied #3
- 2024-11-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-05➖THOMLINSON, Richard Henry resigneddirector
- 2024-09-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-16➕CZEKALA, Beata Katarzyna appointedsecretary
- 2024-07-16➖THOMLINSON, Richard Henry resignedsecretary
- 2024-07-16📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-07-16📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-07-08📄memorandum-articlesincorporation · MA
- 2024-07-08📄resolutionresolution · RESOLUTIONS
- 2024-07-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-07-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-07-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-01➕KELLY, Robert Patrick appointeddirector
- 2024-07-01➕THOMLINSON, Richard Henry appointeddirector
- 2024-03-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2015-12-08➖NELSON, Nicola Louise resigneddirector
- 2013-02-05➖TOWNSEND, Jonathan James resigneddirector
- 2010-09-10➕NELSON, Nicola Louise appointeddirector
- 2009-12-21🔓Charge satisfied #2
- 2009-12-21🔓Charge satisfied #1
- 2009-12-16🔒Charge registered #3Lender: National Westminster Bank PLC
- 2009-11-30➕TOWNSEND, Pamela Jane appointeddirector
- 2009-11-23➖TOWNSEND, John resigneddirector
- 2009-06-01➕TOWNSEND, Jonathan James appointeddirector
- 2002-02-06🔒Charge registered #2Lender: Hampshire Trust Factors Limited
- 2001-09-12🔒Charge registered #1Lender: Hsbc Bank PLC
- 1999-04-28➕THOMLINSON, Richard Henry appointedsecretary
- 1999-01-22➕TOWNSEND, John appointeddirector
- 1998-12-08➖BRIGHTON SECRETARY LIMITED resignedcorporate-nominee-secretary
- 1998-12-08➖BRIGHTON DIRECTOR LIMITED resignedcorporate-nominee-director
- 1998-04-24🏢Company incorporatedAs ACORN ASSESSORS LIMITED
- 1998-04-24➕BRIGHTON SECRETARY LIMITED appointedcorporate-nominee-secretary
- 1998-04-24➕BRIGHTON DIRECTOR LIMITED appointedcorporate-nominee-director
Owner dependency
83/100
Critical — business is the founderThe 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 17 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
69/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 17 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
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
3 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Robert Patrick Kelly Individual · British · DOB 06/1986 · age 40 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control · trust interest | 01/07/2024 |
Ms Zoe Cressey Individual · British · DOB 12/1989 · age 37 | 75–100% | 75–100% | 75-100% shares · 75-100% voting · trust interest | 01/07/2024 |
Mrs Pamela Jane Townsend Individual · British · DOB 08/1961 · age 65 | 75–100% | 75–100% | 75-100% shares · 75-100% voting · trust interest | 01/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · YO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CRYPTO FLOW LIMITED→ 10808935 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| DVAM LTD→ 15951379 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| FINANCIAL WEALTH SOLUTIONS LIMITED→ 09688906 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| FIRST SOVEREIGN PROJECTS LIMITED→ 12591799 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FLAXTON FINANCE LIMITED→ 01876041 · est 1985 · no financials extracted | — | — | — | — | 41y | — | — |
| FOWLER-PALEY LIMITED→ 00995256 · est 1970 · no financials extracted | — | — | — | — | 55y | — | — |
| GLANIMOORE LIMITED→ 13257833 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| GREAVES FINANCIAL SERVICES LTD→ 07390414 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| GRIMSTON MANAGEMENT LIMITED→ 11029848 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| GROW INVEST LTD→ 13304561 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| GROWTH PARTNER VENTURES LIMITED→ 15581319 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| GW FINANCIAL MANAGEMENT LTD→ 07937117 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
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
Incorporated1998-04-24
Jurisdictionengland-wales
Primary SIC66210 — Risk and damage evaluation
Registered office
Ornhams Hall, Ornhams Park
Boroughbridge
York
North Yorkshire
YO51 9JH
England
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-11-17
Last: 2025-11-03
Officers (3 active · 7 resigned)
CZEKALA, Beata Katarzyna→
Activesecretary · appointed 2024-07-16
View their other companies + combined net worth →
KELLY, Robert Patrick→
Activedirector · ~40y · appointed 2024-07-01
View their other companies + combined net worth →
TOWNSEND, Pamela Jane→
Activedirector · ~65y · appointed 2009-11-30
View their other companies + combined net worth →
THOMLINSON, Richard Henry→
Resignedsecretary · appointed 1999-04-28 · resigned 2024-07-16
BRIGHTON SECRETARY LIMITED→
Resignedcorporate-nominee-secretary · appointed 1998-04-24 · resigned 1998-12-08
NELSON, Nicola Louise→
Resigneddirector · ~53y · appointed 2010-09-10 · resigned 2015-12-08
THOMLINSON, Richard Henry→
Resigneddirector · ~82y · appointed 2024-07-01 · resigned 2024-09-05
TOWNSEND, John→
Resigneddirector · ~79y · appointed 1999-01-22 · resigned 2009-11-23
TOWNSEND, Jonathan James→
Resigneddirector · ~44y · appointed 2009-06-01 · resigned 2013-02-05
BRIGHTON DIRECTOR LIMITED→
Resignedcorporate-nominee-director · appointed 1998-04-24 · resigned 1998-12-08
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 16/12/2009 | 15/01/2025 | |
| satisfied | Hampshire Trust Factors Hampshire Trust Factors Limited | Debenture | 3 properties | 06/02/2002 | 21/12/2009 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 12/09/2001 | 21/12/2009 |
Recent filings (110 total)
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-04-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-01
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-12
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-11-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-30
termination-director-company-with-name-termination-date
officers · TM01
2024-09-05
appoint-person-secretary-company-with-name-date
officers · AP03
2024-07-16
termination-secretary-company-with-name-termination-date
officers · TM02
2024-07-16
memorandum-articles
incorporation · MA
2024-07-08
resolution
resolution · RESOLUTIONS
2024-07-08