ACCUMULATION LTD

🌿Early-stageactive
15110644 · ltd · incorporated 2023-09-02
Investment thesis
Unencumbered property vehicle — clean asset-backed target with refinance headroom.
Why interesting: Property-holding entity with no live charges; straightforward asset-backed case.
Why risky: Values depend on title and valuation; property-specific market exposure.
🔒Estimated value
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Turnover
year to Sept 2025
Net worth
£-25.2k
book net assets
Opportunity
70/100
Strong
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What this business does
Primary activity: Security dealing on own account
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 68100Buying and selling of own real estate
  • 68209Other letting and operating of own or leased real estate
  • 68320Management of real estate on a fee or contract basis
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 70/100 (strong), bankability 70/100. 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: strategic trade sale (65/100).

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, 4 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
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
5 filings
60
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
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £25,169
Net assets shrinking
Down £59,061 YoY
Cash YoY
-28%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£3k
↓ 28% YoY
Net Worth
-£25k
↓ 174% YoY
Current Assets
£362k
↓ 11% YoY
Current Liabilities
-£25k£61k£148k£234k£320k£407kSept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30
Total assets£-25.2k£33.9k
Current assets£361.6k£406.7k
Cash£3.2k£4.4k
Debtors£358.4k£402.3k
Net assets£-25.2k£33.9k

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
0
filings
Last 90 days
1
filing
  • 1 accounts
Last 180 days
1
filing
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (5 events)Click to expand
  1. 2026-03-09
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-05-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2023-09-02
    🏢
    Company incorporated
    As ACCUMULATION LTD
  4. 2023-09-02
    KOPETSKAYA, Olga appointed
    director
  5. 2023-09-02
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

80/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Young company: Only 2.7 years old — management layer unlikely to be developed.

Succession & seller-readiness

45/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Ms Olga Kopetskaya
Individual · British · DOB 01/1976 · age 50
75100%
75–100%board control75-100% shares · 75-100% voting · board control02/09/2023

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.

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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.

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Company details

Statusactive
Typeltd
Incorporated2023-09-02
Jurisdictionengland-wales
Primary SIC64991 — Security dealing on own account

Registered office

7 Bell Yard
London
WC2A 2JR
England

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-09-15
Last: 2025-09-01

Officers (1 active · 0 resigned)

KOPETSKAYA, Olga
director · ~50y · appointed 2023-09-02
View their other companies + combined net worth →
Active

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

Recent filings (5 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-03-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-05
incorporation-company
incorporation · NEWINC
2023-09-02