A.C.O. PACKAGING LIMITED
- · Oldest live charge 41.5y old — refinance window within 12 months
Opportunity 75/100 (strong), bankability 85/100. Strong seller-intent signal (68/100, director aged 54). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
5 live charges · 2 lenders · oldest 41.5y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 41.5 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (55/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
Corporate timeline (40 events)Click to expand
- 2025-07-22📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-22📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-07-22📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-06-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-11-20📄change-person-director-company-with-change-dateofficers · CH01
- 2023-11-20📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-11-20📄change-person-director-company-with-change-dateofficers · CH01
- 2023-07-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-07-29📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-07-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-24📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2021-01-05🔓Charge satisfied #4
- 2021-01-05🔓Charge satisfied #3
- 2021-01-05🔓Charge satisfied #2
- 2021-01-05🔓Charge satisfied #1
- 2020-12-16🔓Charge satisfied #5
- 2019-05-02➖OSBORNE, Alan resigneddirector
- 2016-09-16➕OSBORNE, Annice Joanne appointeddirector
- 2008-11-19🔒Charge registered #5Lender: Hsbc Bank PLC
- 2006-09-19➕OSBORNE, Nicholas Charles appointedsecretary
- 2006-09-19➖OSBORNE, Linda Jill resignedsecretary
- 2006-09-19➖OSBORNE, Linda Jill resigneddirector
- 2002-01-01➕OSBORNE, Nicholas Charles appointeddirector
- 2001-06-07➖CHAPMAN, Paul resigneddirector
- 2000-09-30➖OSBORNE, Nicholas Charles resigneddirector
- 1996-03-06🔒Charge registered #4Lender: Midland Bank PLC
- 1996-02-26➕OSBORNE, Nicholas Charles appointeddirector
- 1993-10-18🔒Charge registered #3Lender: Midland Bank PLC
- 1985-05-13🔒Charge registered #2Lender: Midland Bank PLC
- 1984-10-29🔒Charge registered #1Lender: Midland Bank PLC
- 1970-12-03🏢Company incorporatedAs A.C.O. PACKAGING LIMITED
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.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- 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 55 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
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Nicholas Charles Osborne Individual · British · DOB 04/1972 · age 54 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 06/04/2016 |
Mrs Annice Joanne Osborne Individual · British · DOB 05/1975 · age 51 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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6 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 (3 active · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 19/11/2008 | 16/12/2020 | |
| satisfied | Midland Bank Midland Bank PLC | Charge | 2 properties | 06/03/1996 | 05/01/2021 | |
| satisfied | Midland Bank Midland Bank PLC | Charge | 1 property | 18/10/1993 | 05/01/2021 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 13/05/1985 | 05/01/2021 | |
| satisfied | Midland Bank Midland Bank PLC | Charge | 1 property | 29/10/1984 | 05/01/2021 |