ACM WEALTH PLANNING LIMITED

💤Zombieactive

04974725 · ltd · incorporated 2003-11-24

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 Dec 2025

Net worth

£9.2k

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: Life insurance

Sector: Financial & insurance

ALSO REGISTERED FOR

65201Life reinsurance

Investor take

Pursue

Asset-holding vehicle with a 62-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (80/100, director aged 62). 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 · oldest 17.7y

45/100

under pressure

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

· Oldest live charge is 17.7 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Distress signals active — lender appetite narrows.

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, 2 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

6 officers (2 active, 6 linked, 3 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

2 connected companies via shared directors

Filing history

71 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

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 £9,179

Net assets shrinking

Down £2,412 YoY

Cash YoY

+230%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£3k

↑ 230% YoY

Net Worth

£9k

↓ 21% YoY

Current Assets

£18k

↓ 11% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-12-31	2024-12-31
Total assets	£9.3k	£11.7k
Current assets	£17.9k	£20.2k
Cash	£3.5k	£1.1k
Debtors	£14.4k	£19.2k
Net assets	£9.2k	£11.6k

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

filing

• 1 accounts

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (32 events)Click to expand

2026-04-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-12
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-05-21
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-07-10
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-08-22
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-03-19
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-08-19
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-02-11
📄
mortgage-satisfy-charge-full
mortgage · MR04
2020-02-11
🔓
Charge satisfied #2
2019-12-09
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2019-06-05
📄
resolution
resolution · RESOLUTIONS
2019-05-28
📄
capital-return-purchase-own-shares
capital · SH03
2019-05-23
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-05-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-05-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-05-02
➖
ANDERSON, Stuart resigned
director
2019-05-02
➖
CROWDER, Gary Steven resigned
director
2019-04-24
📄
capital-cancellation-shares
capital · SH06
2019-04-24
📄
resolution
resolution · RESOLUTIONS
2018-09-14
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2011-11-19
🔓
Charge satisfied #1
2011-09-26
🔒
Charge registered #2
Lender: Stoneroad Properties Limited and Mayhall Properties Limited
2008-09-01
🔒
Charge registered #1
Lender: Stoneroad Properties Limited and Mayhall Properties Limited
2004-01-05
➕
SKUSE, Andrew Brian appointed
secretary
2004-01-05
➕
SKUSE, Andrew Brian appointed
director
2004-01-05
➖
@UKPLC CLIENT SECRETARY LTD resigned
corporate-nominee-secretary
2004-01-05
➕
ANDERSON, Stuart appointed
director
2004-01-05
➕
CROWDER, Gary Steven appointed
director
2004-01-05
➖
@UKPLC CLIENT DIRECTOR LTD resigned
corporate-nominee-director
2003-11-24
🏢
Company incorporated
As ACM WEALTH PLANNING LIMITED
2003-11-24
➕
@UKPLC CLIENT SECRETARY LTD appointed
corporate-nominee-secretary
2003-11-24
➕
@UKPLC CLIENT DIRECTOR LTD appointed
corporate-nominee-director

Owner dependency

93/100

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.
+Senior director age: Director aged approximately 62 — approaching natural succession window.

Succession & seller-readiness

85/100

Likely off-market candidate

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
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 22 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

Name	Shares	Voting rights	Nature of control	Notified
Mr Andrew Brian Skuse Individual · British · DOB 10/1964 · age 62	50–75%	50–75%	board control50-75% shares · 50-75% voting · board control	06/04/2016

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 · Financial services · SL postcode area

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1313 VENTURES LTD→ 15471449 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
A CHANDLER TRADING LIMITED→ 16725420 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ABCORD LIMITED→ 14579795 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
ACFC HOLDINGS LTD→ 16293722 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
AGIPRO LTD→ 12819617 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
AL RAYAZ INVESTMENT & FINANCIAL MANAGEMENT SERVICES LTD→ 14881620 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ALAN PARKER CONSORTIUM LTD→ 14035785 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
ALEXANDER GRAHAM ASSOCIATES LIMITED→ 10817794 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
ALKASIRI PROPERTIES LTD→ 16430462 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ALLIED FINANCIAL GROUP LTD→ 16311662 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
ALT FINANCE LTD→ 08698950 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
ALTON MORTGAGES LIMITED→ 05582369 · est 2005 · no financials extracted	—	—	—	—	20y	—	—

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

Incorporated2003-11-24

Jurisdictionengland-wales

Primary SIC65110 — Life insurance

Registered office

11 Castle Hill

Maidenhead

Berks

SL6 4AA

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2026-11-28

Last: 2025-11-14

Officers (2 active · 4 resigned)

SKUSE, Andrew Brian→

secretary · appointed 2004-01-05

View their other companies + combined net worth →

Active

SKUSE, Andrew Brian→

director · ~62y · appointed 2004-01-05

View their other companies + combined net worth →

Active

@UKPLC CLIENT SECRETARY LTD→

corporate-nominee-secretary · appointed 2003-11-24 · resigned 2004-01-05

Resigned

ANDERSON, Stuart→

director · ~69y · appointed 2004-01-05 · resigned 2019-05-02

Resigned

CROWDER, Gary Steven→

director · ~59y · appointed 2004-01-05 · resigned 2019-05-02

Resigned

@UKPLC CLIENT DIRECTOR LTD→

corporate-nominee-director · appointed 2003-11-24 · resigned 2004-01-05

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:2 of 2 shown

			Type	Properties
	satisfied	Stoneroad Properties and Mayhall Properties Stoneroad Properties Limited and Mayhall Properties Limited	Rent deposit agreement	1 property	26/09/2011	11/02/2020
	satisfied	Stoneroad Properties and Mayhall Properties Stoneroad Properties Limited and Mayhall Properties Limited	Lease	1 property	01/09/2008	19/11/2011

Recent filings (71 total)

accounts-with-accounts-type-total-exemption-full

accounts · AA

2026-04-30

confirmation-statement-with-updates

confirmation-statement · CS01

2025-11-14