ACTUARIES FOR LAWYERS LIMITED

💤Zombieactive
04819690 · ltd · incorporated 2003-07-03
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 Mar 2026
Net worth
£22.3k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pursue
Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 65). 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: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 21.1y

30/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 21.1 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Distress signals active — lender appetite narrows.

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (2 active, 6 linked, 2 with DOB)
77
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
67 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £22,319
Net assets shrinking
Down £41,791 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£22k
↓ 65% YoY
Current Assets
£13k
↓ 47% YoY
Current Liabilities
—
£0£13k£26k£38k£51k£64kMar 2025Mar 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-03-312025-03-31
Total assets£22.3k£46.2k
Current assets£12.6k£23.7k
Net assets£22.3k£64.1k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2026-05-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-07-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-05-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-05-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-12-03
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  6. 2022-06-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2021-06-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2020-09-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2019-06-28
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2018-06-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-04-02
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  12. 2016-12-19
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-04-29
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2016-04-28
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  15. 2016-04-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2015-06-04
    🔒
    Charge registered #2
    Lender: Svenska Handelsbanken Ab(Publ)
  17. 2015-04-03
    🔓
    Charge satisfied #1
  18. 2012-03-23
    ➕
    LOCKETT, David appointed
    secretary
  19. 2012-03-22
    ➖
    LOCKETT, Nicholas, Dr resigned
    secretary
  20. 2005-04-29
    🔒
    Charge registered #1
    Lender: Abbey National PLC
  21. 2004-04-01
    ➕
    LOCKETT, David appointed
    director
  22. 2004-03-31
    ➖
    TUCKER, Deborah Ann resigned
    director
  23. 2003-07-12
    ➕
    LOCKETT, Nicholas, Dr appointed
    secretary
  24. 2003-07-12
    ➕
    TUCKER, Deborah Ann appointed
    director
  25. 2003-07-07
    ➖
    BRIGHTON SECRETARY LTD resigned
    corporate-nominee-secretary
  26. 2003-07-07
    ➖
    BRIGHTON DIRECTOR LTD resigned
    corporate-nominee-director
  27. 2003-07-03
    🏢
    Company incorporated
    As ACTUARIES FOR LAWYERS LIMITED
  28. 2003-07-03
    ➕
    BRIGHTON SECRETARY LTD appointed
    corporate-nominee-secretary
  29. 2003-07-03
    ➕
    BRIGHTON DIRECTOR LTD appointed
    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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

95/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 22 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr David Lockett
Individual · British · DOB 08/1961 · age 65
75–100%
75–100%board control75-100% shares · 75-100% voting · board control27/05/2016

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

8 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
Incorporated2003-07-03
Jurisdictionengland-wales
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

The Old Coachhouse
Brinkworth
Wiltshire
SN15 5DF
United Kingdom

Filing status

Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2026-07-17
Last: 2025-07-03

Officers (2 active · 4 resigned)

LOCKETT, David→
secretary · appointed 2012-03-23
View their other companies + combined net worth →
Active
LOCKETT, David→
director · ~65y · appointed 2004-04-01
View their other companies + combined net worth →
Active
LOCKETT, Nicholas, Dr→
secretary · appointed 2003-07-12 · resigned 2012-03-22
Resigned
BRIGHTON SECRETARY LTD→
corporate-nominee-secretary · appointed 2003-07-03 · resigned 2003-07-07
Resigned
TUCKER, Deborah Ann→
director · ~61y · appointed 2003-07-12 · resigned 2004-03-31
Resigned
BRIGHTON DIRECTOR LTD→
corporate-nominee-director · appointed 2003-07-03 · resigned 2003-07-07
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Svenska Handelsbanken Ab(Publ)
A registered charge—04/06/2015—
satisfied
Santander
Abbey National PLC
Mortgage debenture1 property29/04/200503/04/2015
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (67 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-29
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-05
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-07
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-02
change-account-reference-date-company-current-extended
accounts · AA01
2022-12-03
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-06-29
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-12
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-06-29
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-09-23
confirmation-statement-with-updates
confirmation-statement · CS01
2020-07-06
confirmation-statement-with-updates
confirmation-statement · CS01
2019-07-08