ACCOMCO LIMITED

💤Zombieactive

05841199 · ltd · incorporated 2006-06-08

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 Jul 2025

Net worth

—

book net assets

Opportunity

70/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Other letting and operating of own or leased real estate

Sector: Real estate

Investor take

Pursue

Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 70/100 (strong), bankability 57/100. 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. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: portfolio break-up (40/100).

🏦

Refinance opportunity

11 live charges · 5 lenders · oldest 19.0y

15/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Oldest live charge is 19.0 years old — likely at or near maturity.
· 5 lenders named — inter-creditor friction likely.
· Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (79/100)

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

Lenders & charges

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

Directors & officers

2 officers (2 active, 2 linked, 1 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

3 connected companies via shared directors

Filing history

60 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

70/100Strong

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

Few red 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	2025-07-31	2024-07-31

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

filings

Last 90 days

filings

• 1 confirmation-statement
• 1 accounts

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (34 events)Click to expand

2026-05-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-01
📄
mortgage-satisfy-charge-full
mortgage · MR04
2021-12-01
📄
mortgage-satisfy-charge-full
mortgage · MR04
2021-12-01
📄
mortgage-satisfy-charge-full
mortgage · MR04
2021-12-01
🔓
Charge satisfied #7
2021-12-01
🔓
Charge satisfied #6
2021-12-01
🔓
Charge satisfied #5
2021-11-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-06
📄
mortgage-satisfy-charge-full
mortgage · MR04
2021-07-06
🔓
Charge satisfied #2
2021-06-14
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-06-14
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-06-14
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-06-14
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-06-02
🔒
Charge registered #11
Lender: Paragon Bank PLC
2021-06-02
🔒
Charge registered #10
Lender: Paragon Bank PLC
2021-06-02
🔒
Charge registered #9
Lender: Paragon Bank PLC
2021-06-02
🔒
Charge registered #8
Lender: Paragon Bank PLC
2021-01-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-04-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-04-29
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-11-04
🔒
Charge registered #7
Lender: Charter Court Financial Services Limited
2013-01-18
🔒
Charge registered #6
Lender: Aldermore Bank PLC
2013-01-18
🔒
Charge registered #5
Lender: Aldermore Bank PLC
2008-09-09
🔒
Charge registered #4
Lender: Mortgage Express
2007-08-16
🔒
Charge registered #3
Lender: Capital Home Loans Limited
2007-07-13
🔒
Charge registered #2
Lender: Capital Home Loans Limited
2007-07-13
🔒
Charge registered #1
Lender: Capital Home Loans Limited
2006-06-08
🏢
Company incorporated
As ACCOMCO LIMITED
2006-06-08
➕
GATER, Christophe John appointed
secretary
2006-06-08
➕
GATER, James Clive appointed
director

Owner dependency

90/100

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

+Sole director: Only one active director — all governance concentrated on one person.
+Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
+No director turnover: Company is 20 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

75/100

Likely off-market candidate

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

SIGNALS

primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 20 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

1 med · 1 low

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.

7 live charges

low

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

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr James Clive Gater Individual · British · DOB 08/1979 · age 47	75–100%	—	75-100% shares	08/06/2017

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 →

Similar companies

Active · Property · RH postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ACREON PROPERTIES LIMITED→ 16494405 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ADAMSON MCS PROPERTIES LTD→ 16130125 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ADDRESS ESTATE AGENTS LIMITED→ 06244970 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
ADZAIN LTD→ 13330991 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
AEGIS KERZ LTD→ 15112424 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
AELANA ESTATES LIMITED→ 16784341 · est 2025 · no financials extracted	—	—	—	—	—	—	—
AEW PROPERTY INVESTMENT LIMITED→ 12361725 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
AFFORDABLE SUSSEX HOUSING LTD→ 16988005 · est 2026 · no financials extracted	—	—	—	—	—	—	—
AFRIBRITS PROPERTIES LIMITED→ 16488656 · est 2025 · no financials extracted	—	—	—	—	—	—	—
AG NEXUS LIMITED→ 16058662 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
AG PROPERTY LETTINGS LTD→ 13409710 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
AGATE PROPERTY LIMITED→ 13221949 · est 2021 · no financials extracted	—	—	—	—	5y	—	—

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

Incorporated2006-06-08

Jurisdictionengland-wales

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Woodhurst, Whitehill

Bletchingley

Surrey

RH1 4QU

Filing status

Accounts

Next due: 2027-04-30

Last made up to: 2025-07-31

Confirmation statement

Next due: 2027-06-22

Last: 2026-06-08

Officers (2 active · 0 resigned)

GATER, Christophe John→

secretary · appointed 2006-06-08

View their other companies + combined net worth →

Active

GATER, James Clive→

director · ~47y · appointed 2006-06-08

View their other companies + combined net worth →

Active

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	Paragon Paragon Bank PLC	A registered charge	1 property	02/06/2021	—
outstanding	Paragon Paragon Bank PLC	A registered charge	1 property	02/06/2021	—
outstanding	Paragon Paragon Bank PLC	A registered charge	1 property	02/06/2021	—
outstanding	Paragon Paragon Bank PLC	A registered charge	1 property	02/06/2021	—
satisfied	Precise Mortgages Charter Court Financial Services Limited	A registered charge	1 property	04/11/2016	01/12/2021
satisfied	Aldermore Aldermore Bank PLC	Mortgage	1 property	18/01/2013	01/12/2021
satisfied	Aldermore Aldermore Bank PLC	Debenture	1 property	18/01/2013	01/12/2021
outstanding	Mortgage Express	Mortgage deed	1 property	09/09/2008	—
outstanding	Capital Home Loans Capital Home Loans Limited	Deed of charge	1 property	16/08/2007	—
satisfied	Capital Home Loans Capital Home Loans Limited	Deed of charge	1 property	13/07/2007	06/07/2021
outstanding	Capital Home Loans Capital Home Loans Limited	Deed of charge	1 property	13/07/2007	—

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

Recent filings (60 total)

confirmation-statement-with-updates

confirmation-statement · CS01

2026-06-24

accounts-with-accounts-type-total-exemption-full

accounts · AA

2026-05-11

confirmation-statement-with-updates

confirmation-statement · CS01

2025-06-25

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-04-29

confirmation-statement-with-updates

confirmation-statement · CS01

2024-06-18

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-04-29

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-06-08

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-04-17

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-06-21

mortgage-satisfy-charge-full

mortgage · MR04

2021-12-01

mortgage-satisfy-charge-full

mortgage · MR04

2021-12-01

mortgage-satisfy-charge-full

mortgage · MR04

2021-12-01

accounts-with-accounts-type-total-exemption-full

accounts · AA

2021-11-24

mortgage-satisfy-charge-full

mortgage · MR04

2021-07-06

confirmation-statement-with-no-updates

confirmation-statement · CS01

2021-06-28