ACORN BOWMAN FINANCE AND INVESTMENT MANAGEMENT LTD

🌳Matureactive
04452445 · ltd · incorporated 2002-05-31
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 Nov 2025
Net worth
£41.0k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65300Pension funding
Investor take
Pursue
Asset-holding vehicle. Family succession underway — not a classic acquisition target.

Opportunity 80/100 (exceptional), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (75/100)

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

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
7 officers (3 active, 7 linked, 2 with DOB)
76
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
80 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £41,017
Net assets shrinking
Down £24,409 YoY
Cash YoY
-23%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£77k
↓ 23% YoY
Net Worth
£41k
↓ 37% YoY
Current Assets
£85k
↓ 21% YoY
Current Liabilities
—
£0£22k£43k£65k£86k£108kNov 2024Nov 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-11-072024-11-07
Total assets£46.5k£71.8k
Current assets£84.8k£107.8k
Cash£77.2k£100.1k
Debtors£7.6k£7.8k
Net assets£41.0k£65.4k

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
1
filing
  • • 1 confirmation-statement
Last 90 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2026-03-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-04-13
    📄
    resolution
    resolution · RESOLUTIONS
  4. 2024-04-13
    📄
    capital-name-of-class-of-shares
    capital · SH08
  5. 2024-01-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-10-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2023-10-09
    ➕
    BOWMAN, Lewis appointed
    director
  8. 2023-08-30
    📄
    resolution
    resolution · RESOLUTIONS
  9. 2023-08-23
    📄
    memorandum-articles
    incorporation · MA
  10. 2023-08-23
    📄
    capital-name-of-class-of-shares
    capital · SH08
  11. 2023-05-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2022-05-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2022-03-03
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  14. 2022-03-03
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  15. 2022-02-23
    ➕
    BOWMAN, Vicky Ann appointed
    secretary
  16. 2022-02-22
    ➖
    GAMBRILL, Philip Peter resigned
    secretary
  17. 2021-03-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2020-08-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2019-07-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2019-06-10
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  21. 2004-03-25
    ➖
    CASTLE, Philip resigned
    secretary
  22. 2004-03-25
    ➕
    GAMBRILL, Philip Peter appointed
    secretary
  23. 2002-05-31
    🏢
    Company incorporated
    As ACORN BOWMAN FINANCE AND INVESTMENT MANAGEMENT LTD
  24. 2002-05-31
    ➕
    BOWMAN, Philip Stuart appointed
    director
  25. 2002-05-31
    ➕
    CASTLE, Philip appointed
    secretary
  26. 2002-05-31
    ➕
    THEYDON SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  27. 2002-05-31
    ➖
    THEYDON SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  28. 2002-05-31
    ➕
    THEYDON NOMINEES LIMITED appointed
    corporate-nominee-director
  29. 2002-05-31
    ➖
    THEYDON NOMINEES LIMITED resigned
    corporate-nominee-director

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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "BOWMAN" — strong identity link between founder and business.
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — BOWMAN, Lewis (same surname) appointed 2023-10-09. Pattern consistent with intra-family handover.
  • 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.
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • 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 Philip Stuart Bowman
Individual · British · DOB 03/1961 · age 65
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mrs Vicky Ann Bowman
Individual · British · DOB 11/1962 · age 64
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2002-05-31
Jurisdictionengland-wales
Primary SIC65110 — Life insurance

Registered office

The Chapel
51 High Street
Minster
Kent
CT12 4BT
United Kingdom

Filing status

Accounts
Next due: 2027-08-07
Last made up to: 2025-11-07
Confirmation statement
Next due: 2027-06-06
Last: 2026-05-23

Officers (3 active · 4 resigned)

BOWMAN, Vicky Ann→
secretary · appointed 2022-02-23
View their other companies + combined net worth →
Active
BOWMAN, Lewis→
director · ~38y · appointed 2023-10-09
View their other companies + combined net worth →
Active
BOWMAN, Philip Stuart→
director · ~65y · appointed 2002-05-31
View their other companies + combined net worth →
Active
CASTLE, Philip→
secretary · appointed 2002-05-31 · resigned 2004-03-25
Resigned
GAMBRILL, Philip Peter→
secretary · appointed 2004-03-25 · resigned 2022-02-22
Resigned
THEYDON SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2002-05-31 · resigned 2002-05-31
Resigned
THEYDON NOMINEES LIMITED→
corporate-nominee-director · appointed 2002-05-31 · resigned 2002-05-31
Resigned

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

Recent filings (80 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-11
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-24
resolution
resolution · RESOLUTIONS
2024-04-13
capital-name-of-class-of-shares
capital · SH08
2024-04-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-30
appoint-person-director-company-with-name-date
officers · AP01
2023-10-16
resolution
resolution · RESOLUTIONS
2023-08-30
memorandum-articles
incorporation · MA
2023-08-23
capital-name-of-class-of-shares
capital · SH08
2023-08-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-31