ACT CREDIT MANAGEMENT LIMITED

🌳Matureactive
05073492 · ltd · incorporated 2004-03-15
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£826.6k
book net assets
Opportunity
78/100
Strong
🔔
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What this business does
Primary activity: SIC 82911
Sector: Administrative & support services
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 78/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. 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 (73/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 18.3y

35/100
too messy

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

  • · Oldest live charge is 18.3 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 33/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (72/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
13 officers (2 active, 13 linked, 8 with DOB)
82
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
109 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
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 £826,582

Key financials

1 year extracted from filed iXBRL accounts
Cash
£941k
Net Worth
£827k
Current Assets
£1.6m
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-31
Total assets£838.4k
Current assets£1.56M
Cash£940.8k
Debtors£618.5k
Net assets£826.6k

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
0
filings
Last 90 days
2
filings
  • • 2 officers
Last 180 days
10
filings
  • • 5 officers
  • • 3 persons-with-significant-control
  • • 1 address
Counts from Companies House filing history.
Corporate timeline (52 events)Click to expand
  1. 2026-05-22
    ➖
    MACLEOD, Steven resigned
    director
  2. 2026-05-22
    ➖
    MUNN, Gordon resigned
    director
  3. 2026-05-22
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  4. 2026-05-22
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2026-04-15
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2026-04-15
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2026-04-14
    ➕
    RASUL, Imran appointed
    director
  8. 2026-04-14
    ➕
    SKEOCH, Alasdair Calderwood appointed
    director
  9. 2026-03-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2026-02-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2026-02-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  12. 2026-02-03
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  13. 2026-02-03
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  14. 2026-01-15
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2026-01-07
    ➖
    HODGINS-LEWIS, Sally resigned
    director
  16. 2026-01-07
    🔒
    Charge registered #3
    Lender: Oaknorth Bank PLC as Security Trustee for the Secured Parties
  17. 2025-12-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  18. 2025-09-24
    ➖
    RYŃSKI-KELSALL, James resigned
    director
  19. 2025-09-24
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  20. 2025-02-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  21. 2025-02-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  22. 2025-02-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  23. 2024-12-22
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  24. 2024-12-12
    ➖
    DAISLEY, Penny resigned
    director
  25. 2024-11-30
    📄
    resolution
    resolution · RESOLUTIONS
  26. 2024-10-14
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  27. 2024-10-04
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  28. 2024-10-03
    ➕
    DAISLEY, Penny appointed
    director
  29. 2024-10-03
    ➕
    MUNN, Gordon appointed
    director
  30. 2024-10-03
    ➕
    RYŃSKI-KELSALL, James appointed
    director
  31. 2024-10-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  32. 2024-10-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  33. 2024-10-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  34. 2024-10-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  35. 2024-08-12
    ➕
    MACLEOD, Steven appointed
    director
  36. 2024-01-25
    ➖
    SHAH, Moira resigned
    secretary
  37. 2024-01-25
    ➖
    SHAH, Joye resigned
    director
  38. 2013-07-13
    🔓
    Charge satisfied #1
  39. 2011-09-26
    🔒
    Charge registered #2
    Lender: Macilvin Moore Revered Limited Liability Partneship
  40. 2011-01-14
    ➖
    GODFREY, Simone Michelle resigned
    secretary
  41. 2011-01-14
    ➕
    SHAH, Moira appointed
    secretary
  42. 2008-04-07
    🔒
    Charge registered #1
    Lender: Macilvin Moore Reveres LLP
  43. 2007-01-03
    ➕
    SHAH, Joye appointed
    director
  44. 2005-02-03
    ➕
    GODFREY, Simone Michelle appointed
    secretary
  45. 2005-02-03
    ➖
    THOMPSON, Laura resigned
    secretary
  46. 2004-03-15
    🏢
    Company incorporated
    As ACT CREDIT MANAGEMENT LIMITED
  47. 2004-03-15
    ➕
    THOMPSON, Laura appointed
    secretary
  48. 2004-03-15
    ➕
    WATERLOW SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  49. 2004-03-15
    ➖
    WATERLOW SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  50. 2004-03-15
    ➕
    HODGINS-LEWIS, Sally appointed
    director
Showing most recent 50 of 52 events

Owner dependency

66/100
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.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 med ·
4 director resignations in last 12 months
medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: HODGINS-LEWIS, Sally resigned 2026-01-07; MACLEOD, Steven resigned 2026-05-22; MUNN, Gordon resigned 2026-05-22

Group structure

Bpo Collections Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Bpo Collections Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
ACT CREDIT MANAGEMENT LIMITED
This company · 05073492

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
Bpo Collections Limited
Corporate entity
75–100%
—75-100% shares07/01/2026
3 historic (ceased) PSCs
  • Mrs Lisa Hodgins - Lewisceased 07/01/2026· 25-50% shares · 25-50% voting · board control
  • Mrs Sally Hodgins-Lewisceased 07/01/2026· 50-75% shares · 50-75% voting · board control
  • Mr Joye Shahceased 25/01/2024· 25-50% shares · 25-50% voting · board control

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

6 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
Incorporated2004-03-15
Jurisdictionengland-wales
Primary SIC82911 — SIC 82911

Registered office

Office D3.05 79 College Road
Harrow
HA1 1BD
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-01
Last: 2026-02-15

Officers (2 active · 11 resigned)

RASUL, Imran→
director · ~42y · appointed 2026-04-14
View their other companies + combined net worth →
Active
SKEOCH, Alasdair Calderwood→
director · ~58y · appointed 2026-04-14
View their other companies + combined net worth →
Active
GODFREY, Simone Michelle→
secretary · appointed 2005-02-03 · resigned 2011-01-14
Resigned
SHAH, Moira→
secretary · appointed 2011-01-14 · resigned 2024-01-25
Resigned
THOMPSON, Laura→
secretary · appointed 2004-03-15 · resigned 2005-02-03
Resigned
WATERLOW SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 2004-03-15 · resigned 2004-03-15
Resigned
DAISLEY, Penny→
director · ~55y · appointed 2024-10-03 · resigned 2024-12-12
Resigned
HODGINS-LEWIS, Sally→
director · ~50y · appointed 2004-03-15 · resigned 2026-01-07
Resigned
MACLEOD, Steven→
director · ~50y · appointed 2024-08-12 · resigned 2026-05-22
Resigned
MUNN, Gordon→
director · ~42y · appointed 2024-10-03 · resigned 2026-05-22
Resigned
RYŃSKI-KELSALL, James→
director · ~45y · appointed 2024-10-03 · resigned 2025-09-24
Resigned
SHAH, Joye→
director · ~64y · appointed 2007-01-03 · resigned 2024-01-25
Resigned
WATERLOW NOMINEES LIMITED→
corporate-nominee-director · appointed 2004-03-15 · resigned 2004-03-15
Resigned

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

Mortgages & charges

3
Total charges
2
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
OakNorth
Oaknorth Bank PLC as Security Trustee for the Secured Parties
A registered charge—07/01/2026—
outstanding
Macilvin Moore Revered Liability Partneship
Macilvin Moore Revered Limited Liability Partneship
Rent deposit deed1 property26/09/2011—
satisfied
Macilvin Moore Reveres
Macilvin Moore Reveres LLP
Rent deposit deed1 property07/04/200813/07/2013
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (109 total)

termination-director-company-with-name-termination-date
officers · TM01
2026-05-22
termination-director-company-with-name-termination-date
officers · TM01
2026-05-22
appoint-person-director-company-with-name-date
officers · AP01
2026-04-15
appoint-person-director-company-with-name-date
officers · AP01
2026-04-15
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-23
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-16
termination-director-company-with-name-termination-date
officers · TM01
2026-02-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-02-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-02-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2026-02-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-15
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-22
termination-director-company-with-name-termination-date
officers · TM01
2025-09-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-19
change-person-director-company-with-change-date
officers · CH01
2025-02-17