ABACUS ADVICE LTD

💤Zombieactive
03694074 · ltd · incorporated 1999-01-12
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
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 Mar 2025
Net worth
£23.8k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 23.5y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 23.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: high (80/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (2 active, 6 linked, 3 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
85 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £23,824

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£24k
↑ 13% YoY
Current Assets
£39k
↓ 18% YoY
Current Liabilities
—
£0£10k£19k£29k£39k£48kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-03-312024-03-31
Total assets£23.8k£22.8k
Current assets£39.4k£48.2k
Net assets£23.8k£21.1k

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 (28 events)Click to expand
  1. 2025-07-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-05-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-12-21
    📄
    capital-name-of-class-of-shares
    capital · SH08
  4. 2023-12-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-12-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2023-03-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-12-15
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  8. 2022-12-15
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  9. 2022-12-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2022-12-14
    📄
    capital-allotment-shares
    capital · SH01
  11. 2022-01-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2021-01-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2021-01-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2020-07-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2019-10-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2018-08-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2009-11-13
    ➖
    RAYBOULD, Mark Andrew resigned
    director
  18. 2005-01-06
    ➕
    RAYBOULD, Mark Andrew appointed
    director
  19. 2003-01-08
    ➕
    NASH, Brenda appointed
    secretary
  20. 2003-01-07
    ➖
    JOANNOU, Antony Costantine resigned
    secretary
  21. 2002-12-23
    🔒
    Charge registered #2
    Lender: National Westminster Bank PLC
  22. 2000-07-25
    ➖
    HUTLEY, Michael resigned
    director
  23. 1999-09-29
    ➕
    HUTLEY, Michael appointed
    director
  24. 1999-01-12
    🏢
    Company incorporated
    As ABACUS ADVICE LTD
  25. 1999-01-12
    ➕
    HARDY, Michael appointed
    director
  26. 1999-01-12
    ➕
    JOANNOU, Antony Costantine appointed
    secretary
  27. 1999-01-12
    ➕
    STEVENS, Marian Ann appointed
    secretary
  28. 1999-01-12
    ➖
    STEVENS, Marian Ann resigned
    secretary

Owner dependency

100/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

95/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 27 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Michael Hardy
Individual · British · DOB 11/1959 · age 67
50–75%
50–75%board control50-75% shares · 50-75% voting · board control06/04/2016
Mrs Brenda Nash
Individual · British · DOB 03/1959 · age 67
25–50%
25–50%25-50% shares · 25-50% voting15/12/2022

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
Incorporated1999-01-12
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Pluto House
6 Vale Avenue
Tunbridge Wells
TN1 1DJ
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-31
Last: 2026-01-17

Officers (2 active · 4 resigned)

NASH, Brenda→
secretary · appointed 2003-01-08
View their other companies + combined net worth →
Active
HARDY, Michael→
director · ~67y · appointed 1999-01-12
View their other companies + combined net worth →
Active
JOANNOU, Antony Costantine→
secretary · appointed 1999-01-12 · resigned 2003-01-07
Resigned
STEVENS, Marian Ann→
secretary · appointed 1999-01-12 · resigned 1999-01-12
Resigned
HUTLEY, Michael→
director · ~58y · appointed 1999-09-29 · resigned 2000-07-25
Resigned
RAYBOULD, Mark Andrew→
director · ~61y · appointed 2005-01-06 · resigned 2009-11-13
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
Debenture1 property23/12/2002—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (85 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-04
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-17
capital-name-of-class-of-shares
capital · SH08
2023-12-21
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-12-16
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-10
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-12-15
change-person-secretary-company-with-change-date
officers · CH03
2022-12-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-12-15
capital-allotment-shares
capital · SH01
2022-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-23