ACCENTIVE LIMITED
🌳Matureactive
04200299 · ltd · incorporated 2001-04-13
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 25.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2024
Net worth
£533.9k
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Special-situation opportunityDistressed property with salvageable qualities — special-situations priority.
Opportunity 72/100 (strong), bankability 55/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: share sale to pe / searcher (45/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 25.2y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 25.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (79/100)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
6 officers (4 active, 6 linked, 3 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
68 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £533,925
Net assets shrinking
Down £331 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£534k
~ YoY
Current Assets
£5k
↓ 31% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-04-30 | 2023-04-30 |
|---|---|---|
| Total assets | £1.03M | £1.03M |
| Current assets | £4.8k | £7.0k |
| Net assets | £533.9k | £534.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- 2025-01-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-01-31📄change-person-director-company-with-change-dateofficers · CH01
- 2023-01-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-01-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-04-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-01-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-10-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-10-15🔓Charge satisfied #1
- 2018-09-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-09-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-09-27🔒Charge registered #3Lender: Interbay Funding Limited
- 2018-09-27🔒Charge registered #2Lender: Interbay Funding Limited
- 2018-04-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-01-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-03-15➕MCCULLAGH, Stephen Alexander appointeddirector
- 2017-03-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2017-01-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2001-06-04🔒Charge registered #1Lender: National Westminster Bank PLC
- 2001-04-13🏢Company incorporatedAs ACCENTIVE LIMITED
- 2001-04-13➕MCCULLAGH, Michael Patrick appointedsecretary
- 2001-04-13➕MCCULLAGH, Michael Patrick appointeddirector
- 2001-04-13➕MCCULLAGH, Susan appointeddirector
- 2001-04-13➕OCS CORPORATE SECRETARIES LIMITED appointedcorporate-secretary
- 2001-04-13➖OCS CORPORATE SECRETARIES LIMITED resignedcorporate-secretary
- 2001-04-13➕OCS DIRECTORS LIMITED appointedcorporate-nominee-director
- 2001-04-13➖OCS DIRECTORS LIMITED resignedcorporate-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
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 79 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
85/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 25 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high ·Accounts overdue
highStatutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2026-01-31
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Michael Patrick Mccullagh Individual · British · DOB 05/1950 · age 76 | 25–50% | — | 25-50% shares | 16/04/2016 |
Mrs Susan Mccullagh Individual · English · DOB 12/1947 · age 79 | 25–50% | — | 25-50% shares | 13/04/2016 |
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 →Similar companies
Active · Property · SL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A & I PROPERTY INVESTMENTS (SLOUGH) LIMITED→ 15064350 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| A&G REAL ESTATE GROUP LTD→ 15121024 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| A&JB PROPERTIES LTD→ 12007153 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ABI PROPERTY SOLUTIONS LTD→ 16498814 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABJP PROPERTIES LIMITED→ 16684821 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACQUIRE PROPERTY PARTNERS LTD.→ 16514119 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADDISON RD RL LTD→ 15351837 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ADDISON ROSE PROPERTIES LIMITED→ 12791753 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ADELPHI PROPERTIES LTD→ 12282186 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ADOS INVESTMENTS LTD→ 14864817 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ADROK PROPERTIES LIMITED→ 10034763 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ADVANTAGE K PROPERTIES LTD→ 11384836 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2001-04-13
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
2a Daleside
Gerrards Cross
Buckinghamshire
SL9 7JF
Filing status
Accounts
Next due: 2026-01-31OVERDUE
Last made up to: 2024-04-30
Confirmation statement
Next due: 2027-04-27
Last: 2026-04-13
Officers (4 active · 2 resigned)
MCCULLAGH, Michael Patrick→
Activesecretary · appointed 2001-04-13
View their other companies + combined net worth →
MCCULLAGH, Michael Patrick→
Activedirector · ~76y · appointed 2001-04-13
View their other companies + combined net worth →
MCCULLAGH, Stephen Alexander→
Activedirector · ~40y · appointed 2017-03-15
View their other companies + combined net worth →
MCCULLAGH, Susan→
Activedirector · ~79y · appointed 2001-04-13
View their other companies + combined net worth →
OCS CORPORATE SECRETARIES LIMITED→
Resignedcorporate-secretary · appointed 2001-04-13 · resigned 2001-04-13
OCS DIRECTORS LIMITED→
Resignedcorporate-nominee-director · appointed 2001-04-13 · resigned 2001-04-13
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | InterBay Interbay Funding Limited | A registered charge | 2 properties | 27/09/2018 | — | |
| outstanding | InterBay Interbay Funding Limited | A registered charge | 2 properties | 27/09/2018 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 3 properties | 04/06/2001 | 15/10/2018 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (68 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-06
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-15
change-person-director-company-with-change-date
officers · CH01
2023-01-31
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-19
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-14
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-04-30
accounts-with-accounts-type-micro-entity
accounts · AA
2020-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-04-16