A.C.T. FINANCIAL SERVICES LTD
🌳Matureactive
04664780 · ltd · incorporated 2003-02-12
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 8.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
£24.5k
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: Other professional, scientific and technical activities n.e.c.
Sector: Professional, scientific & technical
Investor take
PursueAsset-holding vehicle. Family succession underway — not a classic acquisition target.
Opportunity 83/100 (exceptional), bankability 85/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
1 live charge · oldest 8.4y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 8.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
10 officers (3 active, 10 linked, 6 with DOB)
82
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
66 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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £24,458
Net assets shrinking
Down £1,148 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£24k
↓ 4.5% YoY
Current Assets
£34k
↑ 14% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-02-28 | 2024-02-28 |
|---|---|---|
| Total assets | £36.7k | £40.8k |
| Current assets | £34.4k | £30.2k |
| Net assets | £24.5k | £25.6k |
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 (35 events)Click to expand
- 2025-11-20➕SHANAHAN, Julie Karen appointeddirector
- 2025-11-20📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-18➕SHANAHAN, Katie Jo appointeddirector
- 2022-11-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-01-28🔓Charge satisfied #1
- 2019-10-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-11-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-03-14🔒Charge registered #1Lender: Lloyds Bank PLC
- 2017-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-03-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2015-05-20➖SHANAHAN, Julie Karen resignedsecretary
- 2015-05-20➖SHANAHAN, Julie Karen resigneddirector
- 2005-06-21➕SHANAHAN, Julie Karen appointedsecretary
- 2005-06-21➖WARD, Lesley Anne resignedsecretary
- 2005-06-21➖WARD, Lesley Anne resigneddirector
- 2004-09-22➖WARD, Michael Edward resigneddirector
- 2003-03-02➕SHANAHAN, Julie Karen appointeddirector
- 2003-03-02➕WARD, Michael Edward appointeddirector
- 2003-02-12🏢Company incorporatedAs A.C.T. FINANCIAL SERVICES LTD
- 2003-02-12➕SHANAHAN, Anthony John appointeddirector
- 2003-02-12➕WARD, Lesley Anne appointedsecretary
- 2003-02-12➕SWIFT INCORPORATIONS LIMITED appointedcorporate-nominee-secretary
- 2003-02-12➖SWIFT INCORPORATIONS LIMITED resignedcorporate-nominee-secretary
- 2003-02-12➕WARD, Lesley Anne appointeddirector
- 2003-02-12➕INSTANT COMPANIES LIMITED appointedcorporate-nominee-director
- 2003-02-12➖INSTANT COMPANIES LIMITED resignedcorporate-nominee-director
Owner dependency
76/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
20/100
No succession signalNo meaningful acquirability indicators from public data.
SIGNALS
- primaryFamily succession underway: Not a takeover target — SHANAHAN, Katie Jo (same surname) appointed 2023-04-18. Pattern consistent with intra-family handover.
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- primary20+ year tenure: Director in role 23 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Anthony John Shanahan Individual · British · DOB 03/1966 · age 60 | 50–75% | — | 50-75% shares | 01/01/2017 |
Mrs Julie Karen Shanahan Individual · British · DOB 01/1968 · age 58 | 25–50% | — | 25-50% shares | 01/02/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| B I W CONSULTANCY LIMITED→ 12223881 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BADBULLIES LTD→ 12793107 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BALANCED TALENT CONSULTING LTD→ 16251895 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BALLANWOOD LAW LIMITED→ 17024221 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BASSALEG HOUSE CONSULTING LIMITED→ 14956160 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BATTY-PHILLIPS HOLDINGS LIMITED→ 12961988 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BCFB TRADING LIMITED→ 17128613 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BEACON SEARCH LTD→ 12780297 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BEAUFORT CONSULTING LTD→ 09937226 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| BEAUMONDE CONSULTING LIMITED→ 05809962 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| BEBHIONN CONSULTING LIMITED→ 17083229 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BEESURE FINANCIAL PLANNING LIMITED→ 11542530 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2003-02-12
Jurisdictionengland-wales
Primary SIC74909 — Other professional, scientific and technical activities n.e.c.
Registered office
20 Cwm Lane
Rogerstone
Newport
NP10 9AF
Wales
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2026-12-04
Last: 2025-11-20
Officers (3 active · 7 resigned)
SHANAHAN, Anthony John→
Activedirector · ~60y · appointed 2003-02-12
View their other companies + combined net worth →
SHANAHAN, Julie Karen→
Activedirector · ~58y · appointed 2025-11-20
View their other companies + combined net worth →
SHANAHAN, Katie Jo→
Activedirector · ~30y · appointed 2023-04-18
View their other companies + combined net worth →
SHANAHAN, Julie Karen→
Resignedsecretary · appointed 2005-06-21 · resigned 2015-05-20
WARD, Lesley Anne→
Resignedsecretary · appointed 2003-02-12 · resigned 2005-06-21
SWIFT INCORPORATIONS LIMITED→
Resignedcorporate-nominee-secretary · appointed 2003-02-12 · resigned 2003-02-12
SHANAHAN, Julie Karen→
Resigneddirector · ~58y · appointed 2003-03-02 · resigned 2015-05-20
WARD, Lesley Anne→
Resigneddirector · ~59y · appointed 2003-02-12 · resigned 2005-06-21
WARD, Michael Edward→
Resigneddirector · ~62y · appointed 2003-03-02 · resigned 2004-09-22
INSTANT COMPANIES LIMITED→
Resignedcorporate-nominee-director · appointed 2003-02-12 · resigned 2003-02-12
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 14/03/2018 | 28/01/2020 |
Recent filings (66 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-11
change-person-director-company-with-change-date
officers · CH01
2025-11-20
appoint-person-director-company-with-name-date
officers · AP01
2025-11-20
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-09
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-07
appoint-person-director-company-with-name-date
officers · AP01
2023-05-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-01
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-20