ACUMEN INDEPENDENT FINANCIAL ADVISERS LIMITED

🌳Matureactive
03826528 · ltd · incorporated 1999-08-17
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 18.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2026
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 62-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (70/100, director aged 62). 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: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 18.2y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 18.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

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
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
71 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Feb 2025Feb 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-02-282025-02-28
Average employees00

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
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2026-04-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-09-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-05-08
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2024-05-08
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2024-04-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2023-06-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-11-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-02-17
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  9. 2021-05-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2020-11-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2019-10-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2019-03-20
    📍
    move-registers-to-sail-company-with-new-address
    address · AD03
  13. 2019-03-20
    📍
    change-sail-address-company-with-new-address
    address · AD02
  14. 2018-09-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2018-04-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2008-03-19
    🔒
    Charge registered #1
    Lender: Royal Bank of Scotland PLC
  17. 1999-08-17
    🏢
    Company incorporated
    As ACUMEN INDEPENDENT FINANCIAL ADVISERS LIMITED
  18. 1999-08-17
    ➕
    FRANCIS, Mark David appointed
    secretary
  19. 1999-08-17
    ➕
    FRANCIS, Mark David appointed
    director
  20. 1999-08-17
    ➕
    THOMPSON, David Andrew appointed
    director
  21. 1999-08-17
    ➕
    TEMPLES (NOMINEES) LIMITED appointed
    corporate-nominee-secretary
  22. 1999-08-17
    ➖
    TEMPLES (NOMINEES) LIMITED resigned
    corporate-nominee-secretary
  23. 1999-08-17
    ➕
    TEMPLES (PROFESSIONAL SERVICES) LIMITED appointed
    corporate-nominee-director
  24. 1999-08-17
    ➖
    TEMPLES (PROFESSIONAL SERVICES) LIMITED resigned
    corporate-nominee-director

Owner dependency

76/100
High — earn-out structure required

Material 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 27 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.

Succession & seller-readiness

76/100
Likely off-market candidate

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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 Mark David Francis
Individual · British · DOB 02/1965 · age 61
25–50%
—25-50% shares17/08/2016
Mr David Andrew Thompson
Individual · British · DOB 04/1964 · age 62
25–50%
—25-50% shares17/08/2016

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

6 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
Incorporated1999-08-17
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Acumen House Howarth Court Gateway Crescent
Broadway Business Park Chadderton
Oldham
Lancashire
OL9 9XB

Filing status

Accounts
Next due: 2027-11-30
Last made up to: 2026-02-28
Confirmation statement
Next due: 2026-09-14
Last: 2025-08-31

Officers (3 active · 2 resigned)

FRANCIS, Mark David→
secretary · appointed 1999-08-17
View their other companies + combined net worth →
Active
FRANCIS, Mark David→
director · ~61y · appointed 1999-08-17
View their other companies + combined net worth →
Active
THOMPSON, David Andrew→
director · ~62y · appointed 1999-08-17
View their other companies + combined net worth →
Active
TEMPLES (NOMINEES) LIMITED→
corporate-nominee-secretary · appointed 1999-08-17 · resigned 1999-08-17
Resigned
TEMPLES (PROFESSIONAL SERVICES) LIMITED→
corporate-nominee-director · appointed 1999-08-17 · resigned 1999-08-17
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
Lloyds Banking Group
Royal Bank of Scotland PLC
Legal charge1 property19/03/2008—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (71 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-01
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-08
change-person-director-company-with-change-date
officers · CH01
2024-05-08
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-04
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-12
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-02
change-account-reference-date-company-current-extended
accounts · AA01
2022-02-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-31
accounts-with-accounts-type-micro-entity
accounts · AA
2021-05-24
accounts-with-accounts-type-micro-entity
accounts · AA
2020-11-16