ACCESS 4 LIFE LTD
🌳Matureactive
07379904 · ltd · incorporated 2010-09-17
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£65.6k
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Other human health activities
Sector: Human health & social work
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 82/100 (exceptional), bankability 80/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 0.9y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.9 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 6 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
65 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 declaredPositive net assets
Net assets £65,629
Cash YoY
+32%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£106k
↑ 32% YoY
Net Worth
£66k
↑ 69% YoY
Current Assets
£132k
↑ 29% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £72.3k | £55.6k |
| Current assets | £131.8k | £101.8k |
| Cash | £106.3k | £80.4k |
| Debtors | £25.5k | £21.5k |
| Net assets | £65.6k | £38.9k |
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
3
filings
- • 1 confirmation-statement
- • 1 persons-with-significant-control
- • 1 address
Last 90 days
3
filings
- • 1 confirmation-statement
- • 1 persons-with-significant-control
- • 1 address
Last 180 days
4
filings
- • 1 confirmation-statement
- • 1 persons-with-significant-control
- • 1 address
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2026-05-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-05-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-15🔒Charge registered #1Lender: Lloyds Bank PLC
- 2025-04-28📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-04-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-30📄capital-return-purchase-own-sharescapital · SH03
- 2024-04-15📄capital-cancellation-sharescapital · SH06
- 2023-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-03-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-28➕PEGLER, Katie Elizabeth appointeddirector
- 2023-03-28➕PEGLER, Richard Mark appointeddirector
- 2023-03-28➖WILLIAMS, Linda Louise resigneddirector
- 2022-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-12📄capital-name-of-class-of-sharescapital · SH08
- 2022-04-12📄capital-name-of-class-of-sharescapital · SH08
- 2022-04-12📄capital-name-of-class-of-sharescapital · SH08
- 2021-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-04-07➖EVANS, Pauline Margaret resigneddirector
- 2011-01-27➖LEWIS, Gwilym Lolo resigneddirector
- 2010-09-17🏢Company incorporatedAs ACCESS 4 LIFE LTD
- 2010-09-17➕PEGLER, Susan Denise appointeddirector
- 2010-09-17➕EVANS, Pauline Margaret appointeddirector
- 2010-09-17➕LEWIS, Gwilym Lolo appointeddirector
- 2010-09-17➕WILLIAMS, Linda Louise appointeddirector
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 71 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
43/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFamily succession underway: Not a takeover target — PEGLER, Katie Elizabeth (same surname) appointed 2023-03-28. Pattern consistent with intra-family handover.
- primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 16 years.
- secondaryStable-but-static management: Company is 16 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Susan Denise Pegler Individual · British · DOB 06/1955 · age 71 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 06/04/2016 |
1 historic (ceased) PSC
- Ms Linda Louise Williamsceased 13/03/2024· 25-50% shares · 25-50% voting
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
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|---|---|---|---|---|---|---|---|
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| ABSENT LIMITED→ 10473550 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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| ABSOLUTE PRACTICE LTD→ 10107906 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ACORN NURSERY LIMITED→ 12475629 · est 2020 · 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
Incorporated2010-09-17
Jurisdictionwales
Primary SIC86900 — Other human health activities
Registered office
C/O Bevan Buckland Ltd Ground Floor
Cardigan House
Swansea
SA7 9LA
Wales
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-05-20
Last: 2026-05-06
Officers (3 active · 3 resigned)
PEGLER, Katie Elizabeth→
Activedirector · ~43y · appointed 2023-03-28
View their other companies + combined net worth →
PEGLER, Richard Mark→
Activedirector · ~43y · appointed 2023-03-28
View their other companies + combined net worth →
PEGLER, Susan Denise→
Activedirector · ~71y · appointed 2010-09-17
View their other companies + combined net worth →
EVANS, Pauline Margaret→
Resigneddirector · ~77y · appointed 2010-09-17 · resigned 2016-04-07
LEWIS, Gwilym Lolo→
Resigneddirector · ~55y · appointed 2010-09-17 · resigned 2011-01-27
WILLIAMS, Linda Louise→
Resigneddirector · ~52y · appointed 2010-09-17 · resigned 2023-03-28
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 15/07/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (65 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-05-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-23
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-06
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-04-28
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-04-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-20
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-15
capital-return-purchase-own-shares
capital · SH03
2024-04-30
capital-cancellation-shares
capital · SH06
2024-04-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-09
termination-director-company-with-name-termination-date
officers · TM01
2023-03-30