ACUMEN INSURANCE SERVICES LIMITED

🌳Matureactive
05004926 · ltd · incorporated 2003-12-31
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 5.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£152.3k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 80-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (63/100, director aged 80). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 5.0y

75/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Charge age ~5.0 years — mid-life; refi window approaching.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 20/100 — clean.

Data confidence

Overall: high (83/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
19 officers (4 active, 19 linked, 12 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
27 connected companies via shared directors
90
Filing history
100 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
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 £152,270
Net assets shrinking
Down £122,437 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£152k
↓ 45% YoY
Current Assets
£259k
↓ 69% YoY
Current Liabilities
—
£0£167k£334k£500k£667k£834kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£152.3k£274.7k
Current assets£259.1k£833.8k
Net assets£152.3k£274.7k

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 accounts
Counts from Companies House filing history.
Corporate timeline (53 events)Click to expand
  1. 2025-12-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-11-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-09-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2023-12-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-12-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-03-30
    📄
    accounts-with-accounts-type-full
    accounts · AA
  7. 2021-12-31
    ➖
    MEREDITH, Peter James resigned
    secretary
  8. 2021-12-31
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  9. 2021-07-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2021-06-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2021-06-08
    🔒
    Charge registered #1
    Lender: Barclays Security Trustee Limited
  12. 2021-02-25
    📄
    accounts-with-accounts-type-full
    accounts · AA
  13. 2021-02-10
    ➕
    GILKES, Stephen Francis appointed
    director
  14. 2020-04-23
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2020-04-23
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2020-04-01
    ➕
    KIEDISH, Mark appointed
    director
  17. 2020-04-01
    ➖
    RUPAL, Raj Gopal resigned
    director
  18. 2019-11-27
    📄
    accounts-with-accounts-type-full
    accounts · AA
  19. 2019-01-31
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  20. 2019-01-31
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  21. 2019-01-30
    ➕
    MEREDITH, Peter James appointed
    secretary
  22. 2019-01-29
    ➖
    REIF, Alan resigned
    secretary
  23. 2018-10-09
    📄
    accounts-with-accounts-type-full
    accounts · AA
  24. 2017-12-19
    📄
    accounts-with-accounts-type-full
    accounts · AA
  25. 2015-12-01
    ➕
    SPEERS, John Crispin appointed
    director
  26. 2015-12-01
    ➕
    RUPAL, Raj Gopal appointed
    director
  27. 2015-08-01
    ➕
    REIF, Alan appointed
    secretary
  28. 2015-08-01
    ➖
    CITIFOCUS CONSULTANTS LIMITED resigned
    corporate-secretary
  29. 2015-07-01
    ➖
    EVANS, Thomas William resigned
    director
  30. 2015-07-01
    ➖
    MARTIN, Ernest Terence resigned
    director
  31. 2015-07-01
    ➖
    MURRAY, Andrew Michael resigned
    director
  32. 2013-11-01
    ➕
    REIF, Alan Michael appointed
    director
  33. 2011-10-01
    ➕
    MARTIN, Ernest Terence appointed
    director
  34. 2009-09-02
    ➖
    MARTIN, Carol Sylvia resigned
    secretary
  35. 2009-09-01
    ➕
    CITIFOCUS CONSULTANTS LIMITED appointed
    corporate-secretary
  36. 2009-09-01
    ➕
    EVANS, Thomas William appointed
    director
  37. 2009-09-01
    ➖
    MARTIN, Ernest Terence resigned
    director
  38. 2009-09-01
    ➕
    MURRAY, Andrew Michael appointed
    director
  39. 2009-08-01
    ➕
    MARTIN, Carol Sylvia appointed
    secretary
  40. 2009-07-31
    ➖
    ANDERSON, Thomas resigned
    secretary
  41. 2009-07-31
    ➖
    PARISH, Clive Alexander resigned
    director
  42. 2009-07-28
    ➖
    ANDERSON, Thomas resigned
    director
  43. 2009-07-28
    ➖
    KENNY, Kevin Anthony Patrick resigned
    director
  44. 2009-01-29
    ➕
    ANDERSON, Thomas appointed
    secretary
  45. 2009-01-29
    ➖
    LAYTONS SECRETARIES LIMITED resigned
    corporate-secretary
  46. 2004-02-05
    ➕
    MARTIN, Ernest Terence appointed
    director
  47. 2004-02-05
    ➕
    PARISH, Clive Alexander appointed
    director
  48. 2004-01-22
    ➕
    ANDERSON, Thomas appointed
    director
  49. 2004-01-22
    ➕
    KENNY, Kevin Anthony Patrick appointed
    director
  50. 2004-01-22
    ➖
    BART MANAGEMENT LIMITED resigned
    corporate-nominee-director
Showing most recent 50 of 53 events

Owner dependency

55/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 80 — succession pressure is live.

Succession & seller-readiness

83/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 80 years old. Natural succession window is now.
  • secondary12+ year tenure: Director in role 13 years.
  • 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.)

Group structure

Crispin Speers & Partners Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Crispin Speers & Partners Ltd
Corporate parent · holds 75-100% shares
ultimate parent
⬇
ACUMEN INSURANCE SERVICES LIMITED
This company · 05004926

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Crispin Speers & Partners Ltd
Corporate entity
75–100%
—75-100% shares07/12/2016

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

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
Incorporated2003-12-31
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

St Clare House
30-33 Minories
London
EC3N 1PE

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-25
Last: 2025-09-11

Officers (4 active · 15 resigned)

GILKES, Stephen Francis→
director · ~53y · appointed 2021-02-10
View their other companies + combined net worth →
Active
KIEDISH, Mark→
director · ~44y · appointed 2020-04-01
View their other companies + combined net worth →
Active
REIF, Alan Michael→
director · ~78y · appointed 2013-11-01
View their other companies + combined net worth →
Active
SPEERS, John Crispin→
director · ~80y · appointed 2015-12-01
View their other companies + combined net worth →
Active
ANDERSON, Thomas→
secretary · appointed 2009-01-29 · resigned 2009-07-31
Resigned
MARTIN, Carol Sylvia→
secretary · appointed 2009-08-01 · resigned 2009-09-02
Resigned
MEREDITH, Peter James→
secretary · appointed 2019-01-30 · resigned 2021-12-31
Resigned
REIF, Alan→
secretary · appointed 2015-08-01 · resigned 2019-01-29
Resigned
CITIFOCUS CONSULTANTS LIMITED→
corporate-secretary · appointed 2009-09-01 · resigned 2015-08-01
Resigned
LAYTONS SECRETARIES LIMITED→
corporate-secretary · appointed 2003-12-31 · resigned 2009-01-29
Resigned
ANDERSON, Thomas→
director · ~73y · appointed 2004-01-22 · resigned 2009-07-28
Resigned
EVANS, Thomas William→
director · ~78y · appointed 2009-09-01 · resigned 2015-07-01
Resigned
KENNY, Kevin Anthony Patrick→
director · ~80y · appointed 2004-01-22 · resigned 2009-07-28
Resigned
MARTIN, Ernest Terence→
director · ~75y · appointed 2011-10-01 · resigned 2015-07-01
Resigned
MARTIN, Ernest Terence→
director · ~75y · appointed 2004-02-05 · resigned 2009-09-01
Resigned
MURRAY, Andrew Michael→
director · ~82y · appointed 2009-09-01 · resigned 2015-07-01
Resigned
PARISH, Clive Alexander→
director · ~68y · appointed 2004-02-05 · resigned 2009-07-31
Resigned
RUPAL, Raj Gopal→
director · ~78y · appointed 2015-12-01 · resigned 2020-04-01
Resigned
BART MANAGEMENT LIMITED→
corporate-nominee-director · appointed 2003-12-31 · resigned 2004-01-22
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Barclays
Barclays Security Trustee Limited
A registered charge—08/06/2021—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (100 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-17
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-17
change-person-director-company-with-change-date
officers · CH01
2024-09-17
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-15
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-31
accounts-with-accounts-type-full
accounts · AA
2022-03-30
termination-secretary-company-with-name-termination-date
officers · TM02
2021-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-13
appoint-person-director-company-with-name-date
officers · AP01
2021-07-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-06-09
accounts-with-accounts-type-full
accounts · AA
2021-02-25