ACCUMAN AGENCIES LIMITED
- · Oldest live charge 4.2y old — refinance window within 12 months
Opportunity 74/100 (strong), bankability 80/100. 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 (58/100).
Refinance opportunity
3 live charges · oldest 4.2y
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.2 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 300 | 300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 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
- • 2 persons-with-significant-control
- • 2 officers
- • 4 officers
- • 2 persons-with-significant-control
- • 1 confirmation-statement
Corporate timeline (30 events)Click to expand
- 2026-03-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-03-05📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-05📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-17📄replacement-filing-of-director-appointment-with-nameofficers · RP01AP01
- 2025-11-01➖MALONE, Philip Harold Thomas resigneddirector
- 2025-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-07-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-07-06🔒Charge registered #3Lender: National Westminster Bank PLC
- 2022-07-06🔒Charge registered #2Lender: National Westminster Bank PLC
- 2022-03-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-18🔒Charge registered #1Lender: National Westminster Bank PLC
- 2021-02-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-02-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-01-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-01-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-01-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-01-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-01-28➕BABINGTON, Edward Patrick appointeddirector
- 2021-01-28➕BABINGTON, Francoise Isabelle appointeddirector
- 2021-01-28➖DUKE, Michael resigneddirector
- 2021-01-28➕MALONE, Philip Harold Thomas appointeddirector
- 2021-01-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-12-06🏢Company incorporatedAs ACCUMAN AGENCIES LIMITED
- 2020-12-06➕DUKE, Michael appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Francoise Isabelle Babington Individual · British · DOB 06/1978 · age 48 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/01/2021 |
Mr Edward Patrick Babington Individual · British · DOB 11/1976 · age 50 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/01/2021 |
Mr Philip Harold Thomas Malone Individual · British · DOB 05/1976 · age 50 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/01/2021 |
1 historic (ceased) PSC
- Woodberry Secretarial Limitedceased 28/01/2021· 75-100% shares · 75-100% voting · board control
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.
See pricing →Similar companies
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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 (2 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 06/07/2022 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 06/07/2022 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 18/03/2022 | — |