ABACUS ASSURED LIMITED

🌳Matureactive
08655336 · ltd · incorporated 2013-08-19
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
£103.2k
book net assets
Opportunity
74/100
Strong
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 74/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. 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 (73/100).

🏦

Refinance opportunity

8 live charges · 5 lenders · oldest 12.5y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 12.5 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: medium (71/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

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
8 charges (8/8 with lender, 8/8 with type)
90
Directors & officers
7 officers (2 active, 7 linked, 6 with DOB)
87
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
1 connected companies via shared directors
48
Filing history
46 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £103,233
Cash YoY
+41%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£4k
↑ 41% YoY
Net Worth
£103k
↑ 8.7% YoY
Current Assets
£4k
↑ 41% YoY
Current Liabilities
—
£0£21k£41k£62k£83k£103kAug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-08-312024-08-31
Total assets£103.2k£96.7k
Current assets£3.8k£2.7k
Cash£3.8k£2.7k
Net assets£103.2k£94.9k

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
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (41 events)Click to expand
  1. 2026-05-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-05-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-07-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2024-06-28
    🔒
    Charge registered #8
    Lender: West One Secured Loans Limited
  5. 2024-05-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-05-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-08-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2022-08-15
    🔒
    Charge registered #7
    Lender: Castle Trust Capital PLC
  9. 2022-08-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2022-08-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2022-08-04
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2022-08-04
    🔓
    Charge satisfied #3
  13. 2022-08-04
    🔓
    Charge satisfied #2
  14. 2022-08-04
    🔓
    Charge satisfied #1
  15. 2022-05-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2021-05-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2020-05-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2019-07-29
    ➖
    JONAS, Julie Alison resigned
    secretary
  19. 2019-07-29
    ➖
    KERR, Melanie resigned
    director
  20. 2019-07-29
    ➖
    KERR, Shaun Robert resigned
    director
  21. 2019-07-29
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  22. 2019-07-29
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  23. 2019-07-29
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  24. 2019-05-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  25. 2018-05-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  26. 2018-01-16
    ➕
    LAIT, Corrine appointed
    director
  27. 2018-01-16
    ➕
    KERR, Melanie appointed
    director
  28. 2017-07-24
    🔒
    Charge registered #6
    Lender: Castle Trust Capital PLC
  29. 2017-06-09
    🔒
    Charge registered #5
    Lender: Onesavings Bank PLC
  30. 2015-12-04
    🔒
    Charge registered #4
    Lender: Shawbrook Bank Limited
  31. 2015-06-01
    ➖
    KERR, Melanie Annamarie resigned
    director
  32. 2015-06-01
    ➖
    LAIT, Corinne Helen Lyndsey resigned
    director
  33. 2014-07-18
    🔒
    Charge registered #3
    Lender: Lloyds Bank PLC
  34. 2014-04-11
    🔒
    Charge registered #2
    Lender: Lloyds Bank PLC
  35. 2013-12-11
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  36. 2013-08-19
    🏢
    Company incorporated
    As ABACUS ASSURED LIMITED
  37. 2013-08-19
    ➕
    COLCLOUGH, Derek John appointed
    director
  38. 2013-08-19
    ➕
    JONAS, Julie Alison appointed
    secretary
  39. 2013-08-19
    ➕
    KERR, Melanie Annamarie appointed
    director
  40. 2013-08-19
    ➕
    KERR, Shaun Robert appointed
    director
  41. 2013-08-19
    ➕
    LAIT, Corinne Helen Lyndsey appointed
    director

Owner dependency

66/100
High — earn-out structure required

Material 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 64 — approaching natural succession window.

Succession & seller-readiness

69/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • 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

1 med · 1 low
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

5 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

🔒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 →

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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
Incorporated2013-08-19
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Chancellor Cottage
46 Holway Road
Sheringham
Norfolk
NR26 8HR

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-12-29
Last: 2025-12-15

Officers (2 active · 5 resigned)

COLCLOUGH, Derek John→
director · ~64y · appointed 2013-08-19
View their other companies + combined net worth →
Active
LAIT, Corrine→
director · ~64y · appointed 2018-01-16
View their other companies + combined net worth →
Active
JONAS, Julie Alison→
secretary · appointed 2013-08-19 · resigned 2019-07-29
Resigned
KERR, Melanie→
director · ~55y · appointed 2018-01-16 · resigned 2019-07-29
Resigned
KERR, Melanie Annamarie→
director · ~55y · appointed 2013-08-19 · resigned 2015-06-01
Resigned
KERR, Shaun Robert→
director · ~59y · appointed 2013-08-19 · resigned 2019-07-29
Resigned
LAIT, Corinne Helen Lyndsey→
director · ~64y · appointed 2013-08-19 · resigned 2015-06-01
Resigned

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

Mortgages & charges

8
Total charges
5
Outstanding
4
Active lenders
Status:Lender:8 of 8 shown
TypeProperties
outstanding
West One Secured Loans
West One Secured Loans Limited
A registered charge1 property28/06/2024—
outstanding
Castle Trust Capital
Castle Trust Capital PLC
A registered charge1 property15/08/2022—
outstanding
Castle Trust Capital
Castle Trust Capital PLC
A registered charge1 property24/07/2017—
outstanding
Onesavings Bank
Onesavings Bank PLC
A registered charge1 property09/06/2017—
outstanding
Shawbrook
Shawbrook Bank Limited
A registered charge1 property04/12/2015—
satisfied
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property18/07/201404/08/2022
satisfied
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property11/04/201404/08/2022
satisfied
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property11/12/201304/08/2022
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (46 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-08-16
mortgage-satisfy-charge-full
mortgage · MR04
2022-08-04
mortgage-satisfy-charge-full
mortgage · MR04
2022-08-04
mortgage-satisfy-charge-full
mortgage · MR04
2022-08-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-09
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-15