ACCEPTACARD LIMITED

💤Zombieactive
06910204 · ltd · incorporated 2009-05-19
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 Mar 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 63-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 12.5y

30/100
under pressure

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

  • · Oldest live charge is 12.5 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (2 active, 6 linked, 4 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
61 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-302024-03-30
Average employees202100

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

3 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
0
filings
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
  1. 2025-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-06-16
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  3. 2024-12-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-01-11
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  5. 2024-01-02
    ➖
    COOK, Linda resigned
    director
  6. 2023-12-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2023-05-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2023-05-19
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2022-12-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-09-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2022-09-09
    🔒
    Charge registered #2
    Lender: Tc Loans Limited as Security Trustee of the Secured Parties
  12. 2022-09-07
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  13. 2022-09-07
    🔓
    Charge satisfied #1
  14. 2021-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-03-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2021-01-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2020-03-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2020-01-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2020-01-24
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  20. 2020-01-24
    📄
    change-person-director-company-with-change-date
    officers · CH01
  21. 2020-01-24
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  22. 2017-01-01
    ➖
    PARRY, Michel James resigned
    director
  23. 2013-12-02
    🔒
    Charge registered #1
    Lender: Hsbc Bank PLC
  24. 2012-08-01
    ➕
    COOK, Linda appointed
    director
  25. 2011-02-08
    ➕
    THOMSON, Aylin appointed
    secretary
  26. 2011-02-08
    ➖
    ELLINGTON, Neville Philip resigned
    secretary
  27. 2011-02-08
    ➖
    ELLINGTON, Neville Philip resigned
    director
  28. 2009-09-29
    ➕
    THOMSON, William Robert appointed
    director
  29. 2009-05-19
    🏢
    Company incorporated
    As ACCEPTACARD LIMITED
  30. 2009-05-19
    ➕
    ELLINGTON, Neville Philip appointed
    secretary
  31. 2009-05-19
    ➕
    ELLINGTON, Neville Philip appointed
    director
  32. 2009-05-19
    ➕
    PARRY, Michel James appointed
    director

Owner dependency

93/100
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 17 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

88/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 17 years.
  • secondaryStable-but-static management: Company is 17 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.)

Group structure

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

🏛️
Richmond International Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
ACCEPTACARD LIMITED
This company · 06910204

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

2 active beneficial owners · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Richmond International Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control16/06/2025
Mr William Robert Thomson
Individual · British · DOB 05/1963 · age 63
——sig. influencesignificant influence06/04/2016

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 →

Similar companies

Active · Financial services · NN postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
AAV INVESTMENTS LIMITED→
12282523 · est 2019 · no financials extracted
————6y——
ABLE MORTGAGES LIMITED→
12139690 · est 2019 · no financials extracted
————6y——
ACORN COMMERCIAL LOANS LIMITED→
13560956 · est 2021 · no financials extracted
————4y——
ACRES SOUTH LTD→
12023917 · est 2019 · no financials extracted
————6y——
ADRIEL PROPERTY MANAGEMENT LIMITED→
15602620 · est 2024 · no financials extracted
————2y——
AF NORTHANTS LTD→
11603083 · est 2018 · no financials extracted
————7y——
AJH FINANCE LIMITED→
08127198 · est 2012 · no financials extracted
————13y——
ALERT INS LIMITED→
17031191 · est 2026 · no financials extracted
———————
ALFA MORTGAGES LIMITED→
14897845 · est 2023 · no financials extracted
————2y——
ALLAN INVESTMENT MANAGEMENT LIMITED→
05638232 · est 2005 · no financials extracted
————20y——
ALLAN MARLOW MORTGAGES LIMITED→
05957545 · est 2006 · no financials extracted
————19y——
ALLIANCE COMMERCIAL MORTGAGES LTD→
12169803 · est 2019 · no financials extracted
————6y——
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
Incorporated2009-05-19
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

1 Westleigh Office Park
Scirocco Close
Northampton
NN3 6BW
England

Filing status

Accounts
Next due: 2026-12-30
Last made up to: 2025-03-30
Confirmation statement
Next due: 2027-01-01
Last: 2025-12-18

Officers (2 active · 4 resigned)

THOMSON, Aylin→
secretary · appointed 2011-02-08
View their other companies + combined net worth →
Active
THOMSON, William Robert→
director · ~63y · appointed 2009-09-29
View their other companies + combined net worth →
Active
ELLINGTON, Neville Philip→
secretary · appointed 2009-05-19 · resigned 2011-02-08
Resigned
COOK, Linda→
director · ~68y · appointed 2012-08-01 · resigned 2024-01-02
Resigned
ELLINGTON, Neville Philip→
director · ~67y · appointed 2009-05-19 · resigned 2011-02-08
Resigned
PARRY, Michel James→
director · ~67y · appointed 2009-05-19 · resigned 2017-01-01
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Tc Loans as Security Trustee of the Secured Parties
Tc Loans Limited as Security Trustee of the Secured Parties
A registered charge—09/09/2022—
satisfied
HSBC
Hsbc Bank PLC
A registered charge1 property02/12/201307/09/2022
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (61 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-16
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-06-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-13
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-11
termination-director-company-with-name-termination-date
officers · TM01
2024-01-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-26
change-person-director-company-with-change-date
officers · CH01
2023-05-22
change-person-director-company-with-change-date
officers · CH01
2023-05-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-09-13
mortgage-satisfy-charge-full
mortgage · MR04
2022-09-07
confirmation-statement-with-updates
confirmation-statement · CS01
2022-05-23