ACMCA LIMITED

🌳Matureactive

SC234784 · ltd · incorporated 2002-07-31

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jul 2025

Net worth

£19.7k

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Other activities auxiliary to insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle with a 71-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 71). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -59% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (79/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

5 officers (3 active, 5 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

6 connected companies via shared directors

Filing history

60 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £19,671

Net assets shrinking

Down £22,372 YoY

Cash draining

Cash down 59% YoY

Cash YoY

-59%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£13k

↓ 59% YoY

Net Worth

£20k

↓ 53% YoY

Current Assets

£39k

↓ 31% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-07-31	2024-07-31
Total assets	£22.1k	£45.3k
Current assets	£39.3k	£56.8k
Cash	£13.0k	£31.6k
Debtors	£26.2k	£25.2k
Net assets	£19.7k	£42.0k

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

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (23 events)Click to expand

2025-09-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-03
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-10-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-11-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-11-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-10-13
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-10-27
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-08-08
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-12-09
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-08-04
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2013-10-09
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2002-10-10
➕
MARTIN, Judith appointed
secretary
2002-10-10
➕
MARTIN, Allan Christopher appointed
director
2002-10-10
➕
MARTIN, Judith appointed
director
2002-10-10
➖
DALGLEN SECRETARIES LIMITED resigned
corporate-nominee-secretary
2002-10-10
➖
DALGLEN DIRECTORS LIMITED resigned
corporate-nominee-director
2002-07-31
🏢
Company incorporated
As ACMCA LIMITED
2002-07-31
➕
DALGLEN SECRETARIES LIMITED appointed
corporate-nominee-secretary
2002-07-31
➕
DALGLEN DIRECTORS LIMITED appointed
corporate-nominee-director

Owner dependency

91/100

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

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 71 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

96/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 24 years old and no new directors in the last 3 years — succession not yet being planned internally.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Allan Christopher Martin Individual · British · DOB 11/1955 · age 71	25–50%	25–50%	sig. influence25-50% shares · 25-50% voting · significant influence	06/04/2016
Mrs Judith Martin Individual · British · DOB 10/1958 · age 68	25–50%	25–50%	sig. influence25-50% shares · 25-50% voting · significant influence	06/04/2016

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

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KEN BINNIE FINANCIAL LIMITED→ SC244778 · est 2003	—	—	£253	—	23y	82	66y
PACIFIC SHELF 1272 LIMITED→ SC267459 · est 2004	—	—	—	1	21y	82	77y
A G FINANCE (SCOTLAND) LIMITED→ SC281499 · est 2005	—	—	—	11	21y	80	64y
ALAN R. MACKAY & COMPANY LIMITED→ SC114821 · est 1988	—	—	—	37	37y	80	58y
AYRSHIRE FINANCIAL SERVICES LTD.→ SC209344 · est 2000	—	—	£85.3k	—	25y	80	60y
B.P.D. SOLUTIONS LTD→ SC396317 · est 2011	—	—	£2	—	15y	80	66y
DAVID MUNRO FINANCIAL SERVICES LIMITED→ SC350315 · est 2008	—	—	£47.9k	—	17y	80	62y
MONARCHIA (AESTHETICS AND SAFETY) CONSULTANCY LTD→ SC801508 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
NICHOLSON WEALTH LIMITED→ SC835235 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
ONE INGRAM FINANCE LTD→ SC555330 · est 2017 · no financials extracted	—	—	—	—	9y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2002-07-31

Jurisdictionscotland

Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

Mains Of Giffen

Greenhills

Beith

Ayrshire

KA15 1HJ

Filing status

Accounts

Next due: 2027-04-30

Last made up to: 2025-07-31

Confirmation statement

Next due: 2026-08-14

Last: 2025-07-31

Officers (3 active · 2 resigned)

MARTIN, Judith→

secretary · appointed 2002-10-10

View their other companies + combined net worth →

Active

MARTIN, Allan Christopher→

director · ~71y · appointed 2002-10-10

View their other companies + combined net worth →

Active

MARTIN, Judith→

director · ~68y · appointed 2002-10-10

View their other companies + combined net worth →

Active

DALGLEN SECRETARIES LIMITED→

corporate-nominee-secretary · appointed 2002-07-31 · resigned 2002-10-10

Resigned

DALGLEN DIRECTORS LIMITED→

corporate-nominee-director · appointed 2002-07-31 · resigned 2002-10-10

Resigned

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