ACMB INVESTMENTS LTD

🌳Matureactive

05056961 · ltd · incorporated 2004-02-26

Investment thesis

Property vehicle with leveraged stack — refinance / partial-release angle.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2024

Net worth

—

book net assets

Opportunity

69/100

Strong

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What this business does

Primary activity: Buying and selling of own real estate

Sector: Real estate

ALSO REGISTERED FOR

68320Management of real estate on a fee or contract basis

Investor take

Pursue

Property-backed borrower. Reasonable fundamentals — worth a memo before deciding.

Opportunity 69/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

11 live charges · 3 lenders · oldest 20.7y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 20.7 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (83/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 2 SIC codes, incorporation date

100

Financials

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

Lenders & charges

11 charges (11/11 with lender, 11/11 with type)

Directors & officers

7 officers (2 active, 7 linked, 4 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

19 connected companies via shared directors

Filing history

74 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

69/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-12-31	2023-12-31
Total assets	—	£1.53M
Current assets	—	£8.5k
Cash	—	£6.1k
Debtors	—	£2.4k
Net assets	—	£766.8k
Average employees	3	—

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

🔒Filing-note intelligence

2 signals 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

filings

Last 90 days

filings

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (43 events)Click to expand

2025-12-15
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-15
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-15
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-15
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-15
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-15
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-15
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-24
🔒
Charge registered #11
Lender: Handelsbanken PLC
2025-11-24
🔒
Charge registered #10
Lender: Handelsbanken PLC
2025-11-24
🔒
Charge registered #9
Lender: Handelsbanken PLC
2025-11-24
🔒
Charge registered #8
Lender: Handelsbanken PLC
2025-11-24
🔒
Charge registered #7
Lender: Handelsbanken PLC
2025-11-24
🔒
Charge registered #6
Lender: Handelsbanken PLC
2025-11-24
🔒
Charge registered #5
Lender: Handelsbanken PLC
2025-09-09
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-01
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-09-24
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-05-09
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-09
📄
change-person-director-company-with-change-date
officers · CH01
2023-09-28
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-09-28
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-09-29
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-06-24
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-09-24
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-06-08
🔒
Charge registered #4
Lender: Svenska Handelsbanken Ab (Publ)
2018-06-08
🔒
Charge registered #3
Lender: Svenska Handelsbanken Ab (Publ)
2018-05-09
🔓
Charge satisfied #2
2018-05-09
🔓
Charge satisfied #1
2009-09-04
➖
SNAPE, Bernard Francis resigned
secretary
2005-11-16
🔒
Charge registered #2
Lender: Hsbc Bank PLC
2005-10-28
🔒
Charge registered #1
Lender: Hsbc Bank PLC
2005-08-15
➖
CALDER, Claire Susan resigned
director
2005-08-15
➖
SNAPE, Benjamin Joseph resigned
director
2004-02-26
🏢
Company incorporated
As ACMB INVESTMENTS LTD
2004-02-26
➕
SNAPE, Andrew Bernard appointed
director
2004-02-26
➕
SNAPE, Mark Edward appointed
director
2004-02-26
➕
SNAPE, Bernard Francis appointed
secretary
2004-02-26
➕
LONDON LAW SECRETARIAL LIMITED appointed
corporate-nominee-secretary
2004-02-26
➖
LONDON LAW SECRETARIAL LIMITED resigned
corporate-nominee-secretary
2004-02-26
➕
CALDER, Claire Susan appointed
director
2004-02-26
➕
SNAPE, Benjamin Joseph appointed
director
2004-02-26
➕
LONDON LAW SERVICES LIMITED appointed
corporate-nominee-director
2004-02-26
➖
LONDON LAW SERVICES LIMITED resigned
corporate-nominee-director

Owner dependency

76/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

66/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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

2 med · 1 low

7 new charges in last 12 months

medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2025-11-24: A registered charge; 2025-11-24: A registered charge; 2025-11-24: A registered charge

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

9 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Andrew Bernard Snape Individual · British · DOB 12/1969 · age 57	—	—	sig. influencesignificant influence	30/06/2016
Mr Mark Edward Snape Individual · British · DOB 06/1974 · age 52	—	—	sig. influencesignificant influence	30/06/2016

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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ADAM HALLIWELL PROPERTY LIMITED→ 12867225 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
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ADM SERVICES (GLOUCESTER) LTD→ 11174579 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
ADODDLE MANAGEMENT LTD→ 14572231 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
AEA PROPERTY INVESTMENTS LTD→ 15448619 · est 2024 · no financials extracted	—	—	—	—	2y	—	—

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

Incorporated2004-02-26

Jurisdictionengland-wales

Primary SIC68100 — Buying and selling of own real estate

Registered office

Willow End Stoke Orchard Road

Bishops Cleeve

Cheltenham

Gloucestershire

GL52 7DG

United Kingdom

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-03-12

Last: 2026-02-26

Officers (2 active · 5 resigned)

SNAPE, Andrew Bernard→

director · ~57y · appointed 2004-02-26

View their other companies + combined net worth →

Active

SNAPE, Mark Edward→

director · ~52y · appointed 2004-02-26

View their other companies + combined net worth →

Active

SNAPE, Bernard Francis→

secretary · appointed 2004-02-26 · resigned 2009-09-04

Resigned

LONDON LAW SECRETARIAL LIMITED→

corporate-nominee-secretary · appointed 2004-02-26 · resigned 2004-02-26

Resigned

CALDER, Claire Susan→

director · ~55y · appointed 2004-02-26 · resigned 2005-08-15

Resigned

SNAPE, Benjamin Joseph→

director · ~63y · appointed 2004-02-26 · resigned 2005-08-15

Resigned

LONDON LAW SERVICES LIMITED→

corporate-nominee-director · appointed 2004-02-26 · resigned 2004-02-26

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:11 of 11 shown

		Type	Properties
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	1 property	24/11/2025	—
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	1 property	24/11/2025	—
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	1 property	24/11/2025	—
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	1 property	24/11/2025	—
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	1 property	24/11/2025	—
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	1 property	24/11/2025	—
outstanding	Handelsbanken Handelsbanken PLC	A registered charge	1 property	24/11/2025	—
outstanding	Svenska Handelsbanken Ab (Publ)	A registered charge	2 properties	08/06/2018	—
outstanding	Svenska Handelsbanken Ab (Publ)	A registered charge	1 property	08/06/2018	—
satisfied	HSBC Hsbc Bank PLC	Legal mortgage	1 property	16/11/2005	09/05/2018
satisfied	HSBC Hsbc Bank PLC	Debenture	1 property	28/10/2005	09/05/2018

Click column headers to sort. Use filters above to narrow by status and lender.