ACCUMULATE WEALTH MANAGEMENT (KENT) LTD
🌳Matureactive
08456496 · ltd · incorporated 2013-03-21
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.
Why now
Window closing · medium confidence
Getting harder to buy cheaply — 1 signals strengthening over the last 30 days.
- · Deal-killer verdict: high-friction → workable
What changed my view
Last 30 days
Picture improved over the last 30 days — 1 positive signal vs 0 negative.
- ↑Deal-killer verdict: high-friction → workable
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2026
Net worth
£792.0k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: high (85/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
3 years of iXBRL accounts extracted + narrative notes parsed
95
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
34 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £791,975
Cash YoY
+469%
Year on year
Key financials
3 years extracted from filed iXBRL accountsCash
£130k
↑ 469% YoY
Net Worth
£792k
↑ 17% YoY
Current Assets
£190k
↑ 158% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2026-03-31 | 2025-03-31 | 2024-03-31 |
|---|---|---|---|
| Total assets | £872.6k | £756.3k | £642.3k |
| Current assets | £190.0k | £73.5k | £44.3k |
| Cash | £129.8k | £22.8k | — |
| Debtors | £60.1k | £50.7k | £44.3k |
| Net assets | £792.0k | £676.0k | £622.6k |
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
1
filing
- • 1 accounts
Last 180 days
3
filings
- • 1 accounts
- • 1 confirmation-statement
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2026-05-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-04-14📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-06-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-07-29📄change-person-director-company-with-change-dateofficers · CH01
- 2021-07-27📄change-person-director-company-with-change-dateofficers · CH01
- 2021-07-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-05-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-03-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-10-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-12-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2013-03-21🏢Company incorporatedAs ACCUMULATE WEALTH MANAGEMENT (KENT) LTD
- 2013-03-21➕AIREY, Geoffrey Robert Walter appointeddirector
- 2013-03-21➕AIREY, Tracy Margaret appointeddirector
Owner dependency
79/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- 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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Geoffrey Robert Walter Airey Individual · British · DOB 06/1964 · age 62 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mrs Tracy Margaret Airey Individual · British · DOB 10/1969 · age 57 | 25–50% | — | 25-50% shares | 06/04/2016 |
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 · EN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BESPOKE INDEMNITY SOLUTIONS LTD→ 10220755 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CAM LAND (DURSLEY) LIMITED→ 10111687 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| CARR MITCHELL LIMITED→ 06913493 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CATALINA INVESTMENTS LIMITED→ 10429907 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CDJ TRM LTD→ 15911810 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CLARIDGES FINANCE LIMITED→ 11159434 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| CLP FINANCIAL SOLUTIONS LTD→ 16003857 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| COLESGROVE TRUSTEES LIMITED→ 00835100 · est 1965 · no financials extracted | — | — | — | — | 61y | — | — |
| COLINT LIMITED→ 14252877 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| COLSTAR INVESTMENTS LTD→ 14688448 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CONANCE LIMITED→ 01966411 · est 1985 · no financials extracted | — | — | — | — | 40y | — | — |
| CONSTRUCTION INSURE LTD→ 11486911 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2013-03-21
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
1 Beauchamp Court
10 Victors Way
Barnet
Hertfordshire
EN5 5TZ
England
Filing status
Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-04-04
Last: 2026-03-21
Officers (2 active · 0 resigned)
AIREY, Geoffrey Robert Walter→
Activedirector · ~62y · appointed 2013-03-21
View their other companies + combined net worth →
AIREY, Tracy Margaret→
Activedirector · ~57y · appointed 2013-03-21
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (34 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-15
change-person-director-company-with-change-date
officers · CH01
2026-04-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-26
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-08
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-07-29
change-person-director-company-with-change-date
officers · CH01
2021-07-29
change-person-director-company-with-change-date
officers · CH01
2021-07-27