ACOL ESTATES LIMITED

🌳Matureactive

01427335 · ltd · incorporated 1979-06-08

Investment thesis

Property vehicle with leveraged stack — refinance / partial-release angle.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 44.4y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jun 2025

Net worth

—

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Other letting and operating of own or leased real estate

Sector: Real estate

Investor take

Pursue

Property-backed borrower. Family succession underway — not a classic acquisition target.

Opportunity 83/100 (exceptional), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

5 live charges · 2 lenders · oldest 44.4y

50/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 44.4 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 25/100 — workable, but lender will want more DD.

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

5 charges (5/5 with lender, 5/5 with type)

Directors & officers

7 officers (5 active, 7 linked, 5 with DOB)

Ownership & PSC

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

Director network

1 connected companies via shared directors

Filing history

109 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

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

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-06-30	2024-06-30

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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

• 1 mortgage
• 1 accounts

Last 180 days

filings

• 1 mortgage
• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (33 events)Click to expand

2026-05-12
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-12
🔒
Charge registered #5
Lender: National Westminster Bank PLC
2026-03-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-05
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-03-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-25
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-01-25
📄
change-person-director-company-with-change-date
officers · CH01
2023-01-25
📄
change-person-director-company-with-change-date
officers · CH01
2023-01-25
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-25
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-01-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-10-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-10-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-10-11
➕
BLACK, Annabel Ursula appointed
director
2021-10-11
➕
BLACK, Christopher Andrew appointed
director
2021-03-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-11-05
📄
mortgage-satisfy-charge-full
mortgage · MR04
2019-11-05
🔓
Charge satisfied #4
2019-04-25
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2009-10-09
🔒
Charge registered #4
Lender: National Westminster Bank PLC
2006-12-22
🔓
Charge satisfied #2
2006-12-11
🔓
Charge satisfied #1
2003-07-01
➕
BLACK, Louise Isobel appointed
director
1994-01-19
➕
BLACK, Louise Isobel appointed
secretary
1994-01-19
➖
BLACK, David resigned
secretary
1993-11-25
➖
BLACK, Alfred Henry resigned
director
1982-01-06
🔒
Charge registered #3
Lender: Barclays Bank Limited
1982-01-06
🔒
Charge registered #2
Lender: Barclays Bank Limited
1982-01-06
🔒
Charge registered #1
Lender: Barclays Bank Limited
1979-06-08
🏢
Company incorporated
As ACOL ESTATES LIMITED

Owner dependency

73/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 77 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

50/100

Moderate signal

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

SIGNALS

primaryFamily succession underway: Not a takeover target — BLACK, Annabel Ursula (same surname) appointed 2021-10-11. Pattern consistent with intra-family handover.
primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 47 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
Ms Annabel Ursula Black Individual · British · DOB 10/1998 · age 28	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016
Mr Christopher Andrew Black Individual · British · DOB 07/1996 · age 30	25–50%	—	25-50% shares · firm interest	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.

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AIM PROPERTY CONSULTING LTD→ 13845027 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
AIR BATH LIMITED→ 12825885 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
AJ HORSINGTON PROPERTY LIMITED→ 11115261 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
AJB COMMERCIAL PROPERTIES LIMITED→ 14980045 · est 2023 · no financials extracted	—	—	—	—	2y	—	—

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

Incorporated1979-06-08

Jurisdictionengland-wales

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

2 Bailey Hill

Castle Cary

BA7 7AD

England

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2027-01-01

Last: 2025-12-18