ACUMEN LAW LIMITED
- · Oldest live charge 14.1y old — refinance window within 12 months
Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (60/100, director aged 62). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 14.1y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 14.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (73/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 |
|---|---|
| Total assets | £416.6k |
| Current assets | £781.0k |
| Cash | £179.3k |
| Debtors | £589.2k |
| Net assets | £416.6k |
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 accounts
- • 2 officers
- • 2 persons-with-significant-control
- • 1 accounts
- • 2 accounts
- • 2 officers
- • 2 persons-with-significant-control
Corporate timeline (44 events)Click to expand
- 2026-05-11📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2026-04-28📄resolutionresolution · RESOLUTIONS
- 2026-04-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-10📄capital-allotment-sharescapital · SH01
- 2026-04-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-01➕ROSE, Benjamin Edward appointeddirector
- 2026-04-01➕SHEATH, James William appointeddirector
- 2025-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-27🔓Charge satisfied #2
- 2025-04-29📄resolutionresolution · RESOLUTIONS
- 2025-04-22📄capital-allotment-sharescapital · SH01
- 2024-12-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-03📄capital-name-of-class-of-sharescapital · SH08
- 2024-06-07📄memorandum-articlesincorporation · MA
- 2024-06-07📄capital-alter-shares-subdivisioncapital · SH02
- 2024-06-07📄capital-name-of-class-of-sharescapital · SH08
- 2024-06-07📄resolutionresolution · RESOLUTIONS
- 2024-06-04📄capital-allotment-sharescapital · SH01
- 2023-12-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-23➕SHEPHERD, Simon appointeddirector
- 2023-06-23➖CREED, Tom resigneddirector
- 2023-06-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-06-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-07-23➕ITTOO, Alvin Leroy appointeddirector
- 2020-07-23➕RICHARDS, Daniel appointeddirector
- 2020-07-23➖BOAKES, Chris resigneddirector
- 2020-07-23➖HIESLEY, Andrew resigneddirector
- 2020-07-13🔒Charge registered #2Lender: Hsbc UK Bank PLC
- 2019-02-06➕CREED, Tom appointeddirector
- 2018-08-08➕HIESLEY, Andrew appointeddirector
- 2018-06-26🔓Charge satisfied #1
- 2016-11-28➖CREED, Tom resigneddirector
- 2013-05-16➕CREED, Tom appointeddirector
- 2012-12-07➖ASHA, Oliver resigneddirector
- 2012-05-15🔒Charge registered #1Lender: Hsbc Bank PLC
- 2010-06-08➕ASHA, Oliver appointeddirector
- 2009-07-27➖SHEPHERD, Simon resignedsecretary
- 2009-04-01➕BOAKES, Chris appointeddirector
- 2008-02-06🏢Company incorporatedAs ACUMEN LAW LIMITED
- 2008-02-06➕SHEPHERD, Penina appointeddirector
- 2008-02-06➕SHEPHERD, Simon appointedsecretary
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- secondary12+ year tenure: Director in role 18 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Penina Shepherd Individual · British · DOB 09/1967 · age 59 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 06/04/2016 |
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 (6 active · 6 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 13/07/2020 | 27/10/2025 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 15/05/2012 | 26/06/2018 |