ACUMEN (SCOTLAND) LIMITED
Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 19.4y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 19.4 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-11-30 | 2024-11-30 |
|---|---|---|
| Total assets | £35.7k | £19.3k |
| Current assets | £47.1k | £32.2k |
| Net assets | £35.7k | £19.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 accounts
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (29 events)Click to expand
- 2026-03-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-01-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-01-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-12-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-01-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-01-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-01-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-01-11📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-11-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-01-26📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-11-04📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-11-04📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2015-10-12➖MCLEAN, Andrew Alistair Gilchrist resignedsecretary
- 2015-08-31➖MCLEAN, Andrew Alistair Gilchrist resigneddirector
- 2008-04-24🔒Charge registered #2Lender: Bank of Scotland PLC
- 2006-11-10🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2004-06-30➖WHITE, Grant Frederick resigneddirector
- 2003-06-11➖WHITE, Grant Frederick resignedsecretary
- 2002-10-17➕WHITE, Grant Frederick appointeddirector
- 2002-10-16🏢Company incorporatedAs ACUMEN (SCOTLAND) LIMITED
- 2002-10-16➕DORRIAN, Kevin James Muir appointeddirector
- 2002-10-16➕MCLEAN, Andrew Alistair Gilchrist appointedsecretary
- 2002-10-16➕WHITE, Grant Frederick appointedsecretary
- 2002-10-16➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2002-10-16➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 2002-10-16➕MCLEAN, Andrew Alistair Gilchrist 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.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 69 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Kevin Dorrian Individual · British · DOB 03/1957 · age 69 | 75–100% | — | 75-100% shares | 16/10/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 24/04/2008 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 10/11/2006 | — |