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
—
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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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
60 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
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
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
—
£0£11k£23k£34k£45k£57kJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2025-09-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-10-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-09-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2021-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2020-09-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2019-10-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2018-11-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2017-11-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2016-10-13
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  11. 2015-10-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2015-08-08
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  13. 2014-12-09
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2014-08-04
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2013-10-09
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2002-10-10
    ➕
    MARTIN, Judith appointed
    secretary
  17. 2002-10-10
    ➕
    MARTIN, Allan Christopher appointed
    director
  18. 2002-10-10
    ➕
    MARTIN, Judith appointed
    director
  19. 2002-10-10
    ➖
    DALGLEN SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  20. 2002-10-10
    ➖
    DALGLEN DIRECTORS LIMITED resigned
    corporate-nominee-director
  21. 2002-07-31
    🏢
    Company incorporated
    As ACMCA LIMITED
  22. 2002-07-31
    ➕
    DALGLEN SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  23. 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
NameSharesVoting rightsNature of controlNotified
Mr Allan Christopher Martin
Individual · British · DOB 11/1955 · age 71
25–50%
25–50%sig. influence25-50% shares · 25-50% voting · significant influence06/04/2016
Mrs Judith Martin
Individual · British · DOB 10/1958 · age 68
25–50%
25–50%sig. influence25-50% shares · 25-50% voting · significant influence06/04/2016

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 →

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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
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.

Recent filings (60 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-10-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-11-16