ACUMEN COMMERCIAL INSIGHTS LTD.
- · Oldest live charge 5.7y old — refinance window within 12 months
Opportunity 78/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
1 live charge · oldest 5.7y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 23/100 — clean.
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2023-12-31 |
|---|---|
| Total assets | £1.53M |
| Current assets | £3.03M |
| Cash | £714.8k |
| Debtors | £2.31M |
| Net assets | £1.41M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 address
- • 1 address
- • 1 address
- • 1 officers
- • 1 confirmation-statement
Corporate timeline (37 events)Click to expand
- 2026-06-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-01-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-15➖HYLTON, Andre resigneddirector
- 2025-09-02📄accounts-with-accounts-type-smallaccounts · AA
- 2024-07-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-07-15📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-07-15📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-07-15📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-07-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-15📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-07-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-09🔓Charge satisfied #1
- 2024-07-02📄capital-allotment-sharescapital · SH01
- 2024-07-01➕ALLSOP, Jane Ann appointeddirector
- 2024-07-01➕GIANI, Ilja appointeddirector
- 2024-07-01➕HOLLOWAY, Timothy Ronald appointeddirector
- 2024-07-01➖RYAN, Nicholas Malcolm Gerard resignedsecretary
- 2024-07-01➕HYLTON, Andre appointeddirector
- 2024-07-01➖RYAN, Nicholas Malcolm Gerard resigneddirector
- 2024-07-01➖WILLS, Matthew Peter resigneddirector
- 2024-04-21📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-04-18📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2024-02-19📄second-filing-of-annual-return-with-made-up-dateannual-return · RP04AR01
- 2024-02-16📄second-filing-of-annual-return-with-made-up-dateannual-return · RP04AR01
- 2024-01-31📄second-filing-of-annual-return-with-made-up-dateannual-return · RP04AR01
- 2024-01-16📄resolutionresolution · RESOLUTIONS
- 2024-01-16📄resolutionresolution · RESOLUTIONS
- 2020-09-15🔒Charge registered #1Lender: Lloyds Bank PLC
- 2006-06-26🏢Company incorporatedAs ACUMEN COMMERCIAL INSIGHTS LTD.
- 2006-06-26➕RYAN, Nicholas Malcolm Gerard appointedsecretary
- 2006-06-26➕RYAN, Nicholas Malcolm Gerard appointeddirector
- 2006-06-26➕WILLS, Matthew Peter appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
Red flags
1 lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
Infor (Farnborough) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Infor (Farnborough) Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 01/07/2024 |
2 historic (ceased) PSCs
- Mr Nicholas Malcolm Gerard Ryanceased 01/07/2024· 25-50% shares
- Matthew Peter Willsceased 01/07/2024· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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
Registered office
Filing status
Officers (3 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 15/09/2020 | 09/07/2024 |