ACCIDENT COMPENSATION HELPLINE LTD

🌳Matureactive
05311328 · ltd · incorporated 2004-12-13
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 16.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£22.4k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pursue
Active trading company with a 76-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 16.6y

65/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 16.6 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (75/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
9 officers (3 active, 9 linked, 6 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
97 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £22,387

Key financials

1 year extracted from filed iXBRL accounts
Cash
£228k
Net Worth
£22k
Current Assets
£398k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-01-31
Total assets£22.6k
Current assets£398.1k
Cash£227.7k
Debtors£170.4k
Net assets£22.4k

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
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2026-01-21
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-10-28
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  3. 2025-01-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2024-10-30
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  5. 2023-10-11
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2022-08-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2021-10-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2020-10-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2019-09-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2018-12-05
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  11. 2018-12-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2018-10-09
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2017-10-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  14. 2016-11-30
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2016-11-30
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2010-06-10
    ➖
    PECKHAM, Julia Elizabeth resigned
    director
  17. 2010-06-10
    ➖
    PECKHAM, Stephen Christopher, Mr resigned
    director
  18. 2009-11-13
    🔒
    Charge registered #1
    Lender: Paul Dennis Smith & Shirley Elizabeth Smith
  19. 2007-03-01
    ➕
    PECKHAM, Julia Elizabeth appointed
    director
  20. 2007-03-01
    ➕
    PECKHAM, Stephen Christopher, Mr appointed
    director
  21. 2007-01-31
    ➖
    PECKHAM, Julia Elizabeth resigned
    director
  22. 2007-01-31
    ➖
    PECKHAM, Steven Christopher resigned
    director
  23. 2006-05-01
    ➕
    PECKHAM, Julia Elizabeth appointed
    director
  24. 2006-05-01
    ➕
    PECKHAM, Steven Christopher appointed
    director
  25. 2004-12-13
    🏢
    Company incorporated
    As ACCIDENT COMPENSATION HELPLINE LTD
  26. 2004-12-13
    ➕
    SMITH, Shirley Elizabeth appointed
    secretary
  27. 2004-12-13
    ➕
    SMITH, Paul Dennis appointed
    director
  28. 2004-12-13
    ➕
    SMITH, Shirley Elizabeth appointed
    director
  29. 2004-12-13
    ➕
    BRISTOL LEGAL SERVICES LIMITED appointed
    corporate-secretary
  30. 2004-12-13
    ➖
    BRISTOL LEGAL SERVICES LIMITED resigned
    corporate-secretary
  31. 2004-12-13
    ➕
    BOURSE NOMINEES LIMITED appointed
    corporate-director
  32. 2004-12-13
    ➖
    BOURSE NOMINEES LIMITED resigned
    corporate-director

Owner dependency

91/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 76 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100
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 76 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 21 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Paul Dennis Smith
Individual · British · DOB 09/1950 · age 76
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mrs Shirley Elizabeth Smith
Individual · British · DOB 09/1950 · age 76
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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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
Incorporated2004-12-13
Jurisdictionengland-wales
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

69 High Street
Bideford
Devon
EX39 2AT

Filing status

Accounts
Next due: 2026-10-29
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-12-27
Last: 2025-12-13

Officers (3 active · 6 resigned)

SMITH, Shirley Elizabeth→
secretary · appointed 2004-12-13
View their other companies + combined net worth →
Active
SMITH, Paul Dennis→
director · ~76y · appointed 2004-12-13
View their other companies + combined net worth →
Active
SMITH, Shirley Elizabeth→
director · ~76y · appointed 2004-12-13
View their other companies + combined net worth →
Active
BRISTOL LEGAL SERVICES LIMITED→
corporate-secretary · appointed 2004-12-13 · resigned 2004-12-13
Resigned
PECKHAM, Julia Elizabeth→
director · ~60y · appointed 2007-03-01 · resigned 2010-06-10
Resigned
PECKHAM, Julia Elizabeth→
director · ~57y · appointed 2006-05-01 · resigned 2007-01-31
Resigned
PECKHAM, Stephen Christopher, Mr →
director · ~60y · appointed 2007-03-01 · resigned 2010-06-10
Resigned
PECKHAM, Steven Christopher→
director · ~60y · appointed 2006-05-01 · resigned 2007-01-31
Resigned
BOURSE NOMINEES LIMITED→
corporate-director · appointed 2004-12-13 · resigned 2004-12-13
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
Paul Dennis Smith & Shirley Elizabeth Smith
Debenture1 property13/11/2009—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (97 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-01-21
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-07
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-10-28
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-01-20
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-23
change-account-reference-date-company-previous-shortened
accounts · AA01
2024-10-30
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-10-11
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-08-25
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-10-22
confirmation-statement-with-updates
confirmation-statement · CS01
2020-12-22
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-10-30
confirmation-statement-with-updates
confirmation-statement · CS01
2019-12-19