ACCAPI LTD
🌳Matureactive
08828475 · ltd · incorporated 2013-12-31
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 Dec 2024
Net worth
£5.14M
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Agents specialised in the sale of other particular products
Sector: Wholesale & retail
Investor take
PursueActive trading company with a 65-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
6 live charges · 4 lenders · oldest 10.5y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 10.5 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (73/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 6 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
58 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
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
77
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 £5,140,881
Key financials
1 year extracted from filed iXBRL accountsCash
£5.0m
Net Worth
£5.1m
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 |
|---|---|
| Cash | £4.96M |
| Net assets | £5.14M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
4 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 (37 events)Click to expand
- 2025-07-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-26📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2024-07-15📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-07-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-07-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-07-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-06-28➖GEERE, Andrew resigneddirector
- 2024-06-28➖GEERE, Natalie Jayne resigneddirector
- 2024-06-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-30📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-05-21➕ROBSON, Stuart Malcolm appointeddirector
- 2023-12-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-01🔒Charge registered #6Lender: Hsbc UK Bank PLC
- 2023-08-08📄capital-name-of-class-of-sharescapital · SH08
- 2023-08-08📄resolutionresolution · RESOLUTIONS
- 2023-08-08📄memorandum-articlesincorporation · MA
- 2023-08-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-08-07📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-06-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-08➖HUGHES, Robert resigneddirector
- 2022-04-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-09-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-29🔓Charge satisfied #2
- 2019-08-29🔓Charge satisfied #1
- 2019-08-23🔒Charge registered #4Lender: Hsbc UK Bank PLC
- 2019-07-24🔒Charge registered #3Lender: Hsbc Invoice Finance (UK) LTD
- 2019-06-14🔒Charge registered #5Lender: Hsbc UK Bank PLC
- 2018-06-07➕HUGHES, Robert appointeddirector
- 2015-12-01🔒Charge registered #2Lender: Lloyds Bank Commercial Finance Limited
- 2015-11-06🔒Charge registered #1Lender: Lloyds Bank PLC
- 2015-10-01➕HEYDON, George appointeddirector
- 2015-10-01➕GEERE, Natalie Jayne appointeddirector
- 2013-12-31🏢Company incorporatedAs ACCAPI LTD
- 2013-12-31➕HEYDON, Elaine Margaret appointeddirector
- 2013-12-31➕GEERE, Andrew appointeddirector
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 65 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
63/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- secondary12+ year tenure: Director in role 12 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Ruffwear Europe Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Ruffwear Europe Holdings Ltd
Corporate parent · holds 75-100% shares · board control
⬇
ACCAPI LTD
This company · 08828475
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ruffwear Europe Holdings Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 28/06/2024 |
2 historic (ceased) PSCs
- Mr George Heydonceased 28/06/2024· 25-50% shares · 25-50% voting · board control
- Elaine Margaret Heydonceased 28/06/2024· 25-50% shares · 25-50% voting · board control
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 · Wholesale & distribution · DH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ACAR TRADING LTD→ 14785038 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ACTIVEDELUXEWEAR LIMITED→ 16758732 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADDITIVE MANUFACTURING 3D TECHNOLOGY LTD→ 10625771 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ALAGOZ INTERNATIONAL LTD→ 15705679 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AMAZING ANTIQUES ETC. LTD.→ 12025087 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AMAZING PACKAGING ETC. LTD.→ 12777671 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ANGEL BLINDS & SHUTTERS LTD→ 16220909 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ANI INTERNATIONAL LIMITED→ 16817659 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARBOR TIMBER AND BUILDERS MERCHANTS LIMITED→ 03638374 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| AW COOPER LTD→ 15246417 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| B.R. DISTRIBUTION LIMITED→ 04330513 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| B2B WOOD PRODUCTS LIMITED→ 07996098 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2013-12-31
Jurisdictionengland-wales
Primary SIC46180 — Agents specialised in the sale of other particular products
Registered office
Tanfield Lea Business Centre
Tanfield Lea
Stanley
DH9 9DB
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-05
Last: 2025-10-22
Officers (3 active · 3 resigned)
HEYDON, Elaine Margaret→
Activedirector · ~56y · appointed 2013-12-31
View their other companies + combined net worth →
HEYDON, George→
Activedirector · ~65y · appointed 2015-10-01
View their other companies + combined net worth →
ROBSON, Stuart Malcolm→
Activedirector · ~42y · appointed 2024-05-21
View their other companies + combined net worth →
GEERE, Andrew→
Resigneddirector · ~68y · appointed 2013-12-31 · resigned 2024-06-28
GEERE, Natalie Jayne→
Resigneddirector · ~64y · appointed 2015-10-01 · resigned 2024-06-28
HUGHES, Robert→
Resigneddirector · ~45y · appointed 2018-06-07 · resigned 2022-04-08
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
4
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 01/12/2023 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 23/08/2019 | — | |
| outstanding | HSBC Hsbc Invoice Finance (UK) LTD | A registered charge | — | 24/07/2019 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 14/06/2019 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank Commercial Finance Limited | A registered charge | — | 01/12/2015 | 29/08/2019 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 06/11/2015 | 29/08/2019 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (58 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-18
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-06
change-account-reference-date-company-current-extended
accounts · AA01
2024-09-26
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-07-15
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-07-14
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-07-14
termination-director-company-with-name-termination-date
officers · TM01
2024-07-11
termination-director-company-with-name-termination-date
officers · TM01
2024-07-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-18
appoint-person-director-company-with-name-date
officers · AP01
2024-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-04
capital-name-of-class-of-shares
capital · SH08
2023-08-08
resolution
resolution · RESOLUTIONS
2023-08-08