A & C FREEMAN LIMITED
🌳Matureactive
07627866 · ltd · incorporated 2011-05-10
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 Oct 2024
Net worth
—
book net assets
Opportunity
68/100
Strong
What this business does
Primary activity: SIC 08120
Sector: Mining & quarrying
ALSO REGISTERED FOR
- 49410Freight transport by road
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 68/100 (strong), bankability 57/100. Strong seller-intent signal (60/100, director aged 58). Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
5 live charges · 5 lenders · oldest 13.6y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 13.6 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
48 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
68/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
59
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
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 | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Average employees | 2 | 300 |
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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
- 2025-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-10🔓Charge satisfied #5
- 2024-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-01-25🔓Charge satisfied #2
- 2022-10-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-06-16🔒Charge registered #5Lender: United Trust Bank LTD
- 2022-06-14📄memorandum-articlesincorporation · MA
- 2022-06-14📄resolutionresolution · RESOLUTIONS
- 2022-06-10📄capital-name-of-class-of-sharescapital · SH08
- 2022-06-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-06-09📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-19🔒Charge registered #4Lender: Amicus Asset Finance Group Limited
- 2020-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-04-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-04-23🔓Charge satisfied #3
- 2020-03-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-02-21🔒Charge registered #3Lender: County Asset Finance Limited
- 2019-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2013-08-02🔓Charge satisfied #1
- 2013-04-06➕FREEMAN, Charlotte Louise appointeddirector
- 2013-04-06➕FREEMAN, Robert Andrew Pannell appointeddirector
- 2013-04-06➖FREEMAN, Andrew Manton Pannell resigneddirector
- 2013-02-26🔒Charge registered #2Lender: Svenska Handelsbanken Ab (Publ)
- 2012-10-10🔒Charge registered #1Lender: Lloyds Tsb Commercial Finance Limited
- 2011-05-10🏢Company incorporatedAs A & C FREEMAN LIMITED
- 2011-05-10➕FREEMAN, Charlotte Louise appointedsecretary
- 2011-05-10➕FREEMAN, Andrew Manton Pannell appointeddirector
Owner dependency
89/100
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "FREEMAN" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
64/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- secondaryStable-but-static management: Company is 15 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high · 1 med ·Confirmation statement overdue
highAnnual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-05-24
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Charlotte Louise Freeman Individual · British · DOB 12/1968 · age 58 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
1 historic (ceased) PSC
- Mr Robert Andrew Pannell Freemanceased 03/08/2021· 50-75% shares · 50-75% 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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| ABBEYPRINT LIMITED→ 02721269 · est 1992 · no financials extracted | — | — | — | — | 33y | — | — |
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| ABC BOATS (BOSTON) LIMITED→ 11544924 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2011-05-10
Jurisdictionengland-wales
Primary SIC08120 — SIC 08120
Registered office
Rutland House Minerva Business Park
Lynch Wood
Peterborough
PE2 6PZ
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-05-24OVERDUE
Last: 2025-05-10
Officers (3 active · 1 resigned)
FREEMAN, Charlotte Louise→
Activesecretary · appointed 2011-05-10
View their other companies + combined net worth →
FREEMAN, Charlotte Louise→
Activedirector · ~58y · appointed 2013-04-06
View their other companies + combined net worth →
FREEMAN, Robert Andrew Pannell→
Activedirector · ~35y · appointed 2013-04-06
View their other companies + combined net worth →
FREEMAN, Andrew Manton Pannell→
Resigneddirector · ~62y · appointed 2011-05-10 · resigned 2013-04-06
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
1
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | United Trust Bank United Trust Bank LTD | A registered charge | — | 16/06/2022 | 10/07/2025 | |
| outstanding | Amicus Asset Finance Group Amicus Asset Finance Group Limited | A registered charge | 1 property | 19/05/2021 | — | |
| satisfied | County Asset Finance County Asset Finance Limited | A registered charge | — | 21/02/2020 | 23/04/2020 | |
| satisfied | Svenska Handelsbanken Ab (Publ) | Mortgage debenture | 1 property | 26/02/2013 | 25/01/2023 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Commercial Finance Limited | Book debt charge | 1 property | 10/10/2012 | 02/08/2013 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (48 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-02
mortgage-satisfy-charge-full
mortgage · MR04
2023-01-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-06-24
memorandum-articles
incorporation · MA
2022-06-14
resolution
resolution · RESOLUTIONS
2022-06-14
capital-name-of-class-of-shares
capital · SH08
2022-06-10
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-06-09