ACUMEN ASSOCIATE FINANCIAL SERVICES LTD
💤Zombieactive
05009614 · ltd · incorporated 2004-01-08
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 2025
Net worth
£204.7k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 68-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 68). 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).
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, 1 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
5 officers (1 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
85 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £204,674
Key financials
2 years extracted from filed iXBRL accountsCash
£197k
Net Worth
£205k
↑ 8.4% YoY
Current Assets
£240k
↑ 13% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-30 | 2024-03-30 |
|---|---|---|
| Total assets | £207.4k | £195.2k |
| Current assets | £240.4k | £213.3k |
| Cash | £197.3k | — |
| Debtors | £43.1k | — |
| Net assets | £204.7k | £188.8k |
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
6
filings
- • 2 confirmation-statement
- • 2 officers
- • 2 persons-with-significant-control
Last 90 days
7
filings
- • 3 persons-with-significant-control
- • 2 confirmation-statement
- • 2 officers
Last 180 days
7
filings
- • 3 persons-with-significant-control
- • 2 confirmation-statement
- • 2 officers
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2026-05-17📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-09📄replacement-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP01CS01
- 2026-05-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-30📄change-person-director-company-with-change-dateofficers · CH01
- 2026-04-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-05-12📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-05-13📄memorandum-articlesincorporation · MA
- 2023-05-13📄resolutionresolution · RESOLUTIONS
- 2023-05-13📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2023-05-02📄statement-of-companys-objectschange-of-constitution · CC04
- 2022-07-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-09📄change-person-director-company-with-change-dateofficers · CH01
- 2022-05-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-04-27📄capital-allotment-sharescapital · SH01
- 2022-04-27📄capital-allotment-sharescapital · SH01
- 2019-03-26➖SPILLER, Shelley Anne resignedsecretary
- 2019-03-26➖SPILLER, Shelley Anne resigneddirector
- 2004-01-12➖FORM 10 SECRETARIES FD LTD resignedcorporate-nominee-secretary
- 2004-01-12➖FORM 10 DIRECTORS FD LTD resignedcorporate-nominee-director
- 2004-01-08🏢Company incorporatedAs ACUMEN ASSOCIATE FINANCIAL SERVICES LTD
- 2004-01-08➕SPILLER, Gregory Vesey appointeddirector
- 2004-01-08➕SPILLER, Shelley Anne appointedsecretary
- 2004-01-08➕FORM 10 SECRETARIES FD LTD appointedcorporate-nominee-secretary
- 2004-01-08➕SPILLER, Shelley Anne appointeddirector
- 2004-01-08➕FORM 10 DIRECTORS FD LTD appointedcorporate-nominee-director
Owner dependency
100/100
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 22 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
95/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 68. 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 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
cleanNo 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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Gregory Vesey Spiller Individual · British · DOB 11/1958 · age 68 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · NP postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ACTIVE FINANCIAL ADVISERS LTD→ 12307130 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ADAM LEWIS FIRST IN MORTGAGES LTD→ 16301001 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ALRO HOMES LTD→ 13524234 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AMBER SHIELD FINANCE LTD→ 15512614 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AMPLE MORTGAGES LIMITED→ 12528571 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ATM SERVICES LIMITED→ 04682264 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| AUGUST THREE INVESTMENT LTD→ 09883253 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| AXYLHOMES LTD→ 12608686 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BAAZ INVESTMENT LIMITED→ 15967070 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BANCROFT WEALTH LTD→ 12419397 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| BARRIAN CLAIMS LTD→ 07651035 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BARRIE HIGHFIELD & ASSOCIATES LIMITED→ 03942843 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
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
Incorporated2004-01-08
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
Summit House 10 Waterside Court
Albany Street
Newport
NP20 5NT
Wales
Filing status
Accounts
Next due: 2026-12-30
Last made up to: 2025-03-30
Confirmation statement
Next due: 2027-05-11
Last: 2026-04-27
Officers (1 active · 4 resigned)
SPILLER, Gregory Vesey→
Activedirector · ~68y · appointed 2004-01-08
View their other companies + combined net worth →
SPILLER, Shelley Anne→
Resignedsecretary · appointed 2004-01-08 · resigned 2019-03-26
FORM 10 SECRETARIES FD LTD→
Resignedcorporate-nominee-secretary · appointed 2004-01-08 · resigned 2004-01-12
SPILLER, Shelley Anne→
Resigneddirector · ~66y · appointed 2004-01-08 · resigned 2019-03-26
FORM 10 DIRECTORS FD LTD→
Resignedcorporate-nominee-director · appointed 2004-01-08 · resigned 2004-01-12
Click a director name to see their full track record across all companies.
Recent filings (85 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-18
change-person-director-company-with-change-date
officers · CH01
2026-05-17
replacement-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP01CS01
2026-05-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-07
change-person-director-company-with-change-date
officers · CH01
2026-04-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-05-12
confirmation-statement
confirmation-statement · CS01
2025-05-12
change-person-director-company-with-change-date
officers · CH01
2025-05-12
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-30
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-18
memorandum-articles
incorporation · MA
2023-05-13