ACCUMA FINANCIAL PLANNING LIMITED
🌳Matureactive
10135415 · ltd · incorporated 2016-04-20
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
£32.2k
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
Special-situation opportunityDistressed financial-services with salvageable qualities — special-situations priority.
Opportunity 70/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (78/100)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
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
29 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
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
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £32,234
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£32k
↑ 6.0% YoY
Current Assets
£95k
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £40.4k | £38.8k |
| Current assets | £94.7k | £94.9k |
| Net assets | £32.2k | £30.4k |
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 (20 events)Click to expand
- 2025-09-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-09-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-20📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2024-06-20📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2024-06-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-06-19📄change-person-director-company-with-change-dateofficers · CH01
- 2024-06-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-06-18📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-06-18📄change-person-director-company-with-change-dateofficers · CH01
- 2024-06-18📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-04-20🏢Company incorporatedAs ACCUMA FINANCIAL PLANNING LIMITED
- 2016-04-20➕MOORE, Jason Frank appointeddirector
- 2016-04-20➕SMITH, Neil Laurence appointeddirector
Owner dependency
71/100
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 63 — approaching natural succession window.
- +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 high ·Confirmation statement overdue
highAnnual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-05-03
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Jason Frank Moore Individual · British · DOB 02/1963 · age 63 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 19/04/2017 |
Neil Laurence Smith Individual · British · DOB 06/1964 · age 62 | — | — | sig. influencesignificant influence | 20/04/2016 |
1 historic (ceased) PSC
- Mr Neil Laurence Smithceased 30/11/2017· significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · NN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AAV INVESTMENTS LIMITED→ 12282523 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ABLAZE LIMITED→ 09951379 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ABLE MORTGAGES LIMITED→ 12139690 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ABSOLUTE BUSINESS FINANCE UK LTD→ 12046789 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ACCEPTACARD LIMITED→ 06910204 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| ACORN COMMERCIAL LOANS LIMITED→ 13560956 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ACRES COVER LIMITED→ 14651352 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ACRES INSURANCE BROKERS LTD→ 11376968 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACRES SOUTH LTD→ 12023917 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ACRITY INVESTMENTS LIMITED→ 15062785 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ACTIVATE BUSINESS FINANCE LIMITED→ 14906869 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ACTNOW MORTGAGES LTD→ 13339748 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated2016-04-20
Jurisdictionengland-wales
Primary SIC65110 — Life insurance
Registered office
Suite F8, Moulton Park Business Centre Redhouse Road
Moulton Park
Northampton
NN3 6AQ
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-05-03OVERDUE
Last: 2025-04-19
Officers (2 active · 0 resigned)
MOORE, Jason Frank→
Activedirector · ~63y · appointed 2016-04-20
View their other companies + combined net worth →
SMITH, Neil Laurence→
Activedirector · ~62y · appointed 2016-04-20
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (29 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-06
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-27
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2024-06-20
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2024-06-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-19
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-06-19
change-person-director-company-with-change-date
officers · CH01
2024-06-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-06-19
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-06-18
change-person-director-company-with-change-date
officers · CH01
2024-06-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-06-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-03