ACUMEN PENSIONS AND INVESTMENTS LIMITED
Opportunity 76/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Average employees | 8 | 700 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
Corporate timeline (25 events)Click to expand
- 2025-11-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-18📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-05-10📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-05-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-03-08📄capital-allotment-sharescapital · SH01
- 2021-03-01📄resolutionresolution · RESOLUTIONS
- 2021-03-01📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2021-02-26📄capital-allotment-sharescapital · SH01
- 2021-02-26📄resolutionresolution · RESOLUTIONS
- 2021-02-25📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-02-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-02-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-02-17📄resolutionresolution · RESOLUTIONS
- 2021-02-10📄memorandum-articlesincorporation · MA
- 2021-02-10📄capital-name-of-class-of-sharescapital · SH08
- 2021-01-29➖FRANCIS, Mark David resigneddirector
- 2021-01-22➕FRANCIS, Mark David appointeddirector
- 2019-10-14➖FRANCIS, Mark David resigneddirector
- 2019-02-20🏢Company incorporatedAs ACUMEN PENSIONS AND INVESTMENTS LIMITED
- 2019-02-20➕THOMPSON, David Andrew appointeddirector
- 2019-02-20➕FRANCIS, Mark David appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Mark David Francis Individual · British · DOB 02/1965 · age 61 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 25/02/2021 |
Mr David Andrew Thompson Individual · British · DOB 04/1964 · age 62 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 20/02/2019 |
1 historic (ceased) PSC
- Mr Mark David Francisceased 10/12/2019· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (1 active · 2 resigned)
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