ACUITY FINANCIAL CONSULTANCY LIMITED
💤Zombieactive
04680602 · ltd · incorporated 2003-02-27
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£723.7k
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
- 65120Non-life insurance
- 66190Other activities auxiliary to financial services, except insurance and pension funding
- 66220Activities of insurance agents and brokers
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 4 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
4 officers (2 active, 4 linked, 2 with DOB)
80
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
71 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £723,698
Cash YoY
+39%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£143k
↑ 39% YoY
Net Worth
£724k
↑ 7.8% YoY
Current Assets
£799k
↑ 11% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £726.7k | £673.7k |
| Current assets | £798.8k | £722.4k |
| Cash | £143.2k | £103.3k |
| Debtors | £32.8k | £17.0k |
| Net assets | £723.7k | £671.5k |
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
2
filings
- • 1 persons-with-significant-control
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 persons-with-significant-control
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2026-04-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-12-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-08-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-09-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-14📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-03-10📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2003-02-27🏢Company incorporatedAs ACUITY FINANCIAL CONSULTANCY LIMITED
- 2003-02-27➕NOKES, Christine Ellen appointedsecretary
- 2003-02-27➕NOKES, Stuart John David appointeddirector
- 2003-02-27➕GRAEME, Dorothy May appointednominee-secretary
- 2003-02-27➖GRAEME, Dorothy May resignednominee-secretary
- 2003-02-27➕GRAEME, Lesley Joyce appointednominee-director
- 2003-02-27➖GRAEME, Lesley Joyce resignednominee-director
Owner dependency
85/100
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
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
75/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 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
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 |
|---|---|---|---|---|
Mrs Christine Ellen Nokes Individual · British · DOB 04/1944 · age 82 | 25–50% | — | 25-50% shares | 16/12/2024 |
Mr Stuart John David Nokes Individual · British · DOB 03/1973 · age 53 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · WS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 12KNOW LIMITED→ 14359175 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 2ND CITY FINANCE LTD→ 13055699 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 42 WEALTH MANAGEMENT LTD→ 09873045 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| 528 INVESTMENTS LIMITED→ 16106849 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A S R FINANCIAL LIMITED→ 14663101 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| A T FINANCIAL SERVICES LTD→ 12628112 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| A TO Z MORTGAGE SERVICES LTD→ 14138743 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| A&H PROPERTY PORTFOLIO LTD→ 12321325 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ABBEY FINANCE (AP&JY) LIMITED→ 12457953 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| AF FINANCIAL CONSULTANTS LTD→ 11824407 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| AFR CAPITAL LTD→ 12794133 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AGREE MORTGAGE SOLUTIONS LTD→ 14373389 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2003-02-27
Jurisdictionengland-wales
Primary SIC65110 — Life insurance
Registered office
Lombard House
Cross Keys
Lichfield
WS13 6DN
United Kingdom
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-03-13
Last: 2026-02-27
Officers (2 active · 2 resigned)
NOKES, Christine Ellen→
Activesecretary · appointed 2003-02-27
View their other companies + combined net worth →
NOKES, Stuart John David→
Activedirector · ~53y · appointed 2003-02-27
View their other companies + combined net worth →
GRAEME, Dorothy May→
Resignednominee-secretary · appointed 2003-02-27 · resigned 2003-02-27
GRAEME, Lesley Joyce→
Resignednominee-director · ~73y · appointed 2003-02-27 · resigned 2003-02-27
Click a director name to see their full track record across all companies.
Recent filings (71 total)
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-27
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-12-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-12-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-11