ACORN HOMES LIMITED

🌳Matureactive
01458396 · ltd · incorporated 1979-11-01
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 43.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£570.0k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Development of building projects
Sector: Construction
Investor take
Pursue
Active trading company with a 79-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 65/100. Strong seller-intent signal (83/100, director aged 79). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 11 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

13 live charges · 2 lenders · oldest 43.4y

50/100
clean up first

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

  • · Oldest live charge is 43.4 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 40/100 — 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
75
Lenders & charges
13 charges (13/13 with lender, 13/13 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 4 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
115 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £570,004
Net assets shrinking
Down £179,959 YoY
Cash YoY
+1%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£4k
~ YoY
Net Worth
£570k
↓ 24% YoY
Current Assets
£523k
↓ 74% YoY
Current Liabilities
—
£0£398k£795k£1.2m£1.6m£2.0mMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£570.0k£750.0k
Current assets£522.9k£1.99M
Cash£4.2k£4.1k
Debtors£518.7k£718
Net assets£570.0k£750.0k

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 (38 events)Click to expand
  1. 2025-07-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-07-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-07-19
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2023-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-07-25
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2023-07-25
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2023-07-25
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2022-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-07-22
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2021-09-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2020-12-29
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2020-12-29
    🔓
    Charge satisfied #13
  13. 2020-11-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2019-12-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-03-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2018-03-23
    🔒
    Charge registered #13
    Lender: Lloyds Bank PLC
  18. 2017-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2017-07-18
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  20. 2011-04-08
    🔒
    Charge registered #12
    Lender: Lloyds Tsb Bank PLC
  21. 2011-02-24
    🔒
    Charge registered #11
    Lender: Lloyds Tsb Bank PLC
  22. 2010-04-20
    ➕
    SMITH, Benjamin David appointed
    secretary
  23. 2010-04-20
    ➕
    SMITH, Benjamin David appointed
    director
  24. 2010-04-20
    ➖
    SMITH, Gwendoline Olive resigned
    secretary
  25. 2007-01-30
    🔒
    Charge registered #10
    Lender: Lloyds Tsb Bank PLC
  26. 2006-07-27
    🔒
    Charge registered #9
    Lender: Lloyds Tsb Bank PLC
  27. 2002-07-23
    🔒
    Charge registered #7
    Lender: Lloyds Tsb Bank PLC
  28. 2002-05-31
    🔒
    Charge registered #8
    Lender: Lloyds Tsb Bank PLC
  29. 2001-11-16
    🔒
    Charge registered #6
    Lender: Lloyds Tsb Bank PLC
  30. 1997-12-10
    🔒
    Charge registered #5
    Lender: Lloyds Bank PLC
  31. 1995-01-06
    🔒
    Charge registered #4
    Lender: Lloyds Bank PLC
  32. 1994-09-01
    ➖
    SMITH, Gwendoline Olive resigned
    director
  33. 1994-09-01
    ➖
    SMITH, James Anthony resigned
    director
  34. 1987-04-11
    🔓
    Charge satisfied #2
  35. 1987-01-22
    🔒
    Charge registered #3
    Lender: Lloyds Bank PLC
  36. 1984-06-19
    🔒
    Charge registered #2
    Lender: Lloyds Bank PLC
  37. 1983-01-12
    🔒
    Charge registered #1
    Lender: Lloyds Bank PLC
  38. 1979-11-01
    🏢
    Company incorporated
    As ACORN HOMES LIMITED

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 16 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 79 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

89/100
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 79 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 16 years.
  • 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

1 low
11 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Anthony James Smith
Individual · British · DOB 12/1947 · age 79
75–100%
75–100%75-100% shares · 75-100% voting17/07/2016

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

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 →
🔒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
Incorporated1979-11-01
Jurisdictionengland-wales
Primary SIC41100 — Development of building projects

Registered office

Farriers Chinnor Road
Bledlow Ridge
High Wycombe
Buckinghamshire
HP14 4AL
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-29
Last: 2025-07-15

Officers (3 active · 3 resigned)

SMITH, Benjamin David→
secretary · appointed 2010-04-20
View their other companies + combined net worth →
Active
SMITH, Anthony James→
director · ~79y
View their other companies + combined net worth →
Active
SMITH, Benjamin David→
director · ~47y · appointed 2010-04-20
View their other companies + combined net worth →
Active
SMITH, Gwendoline Olive→
secretary · resigned 2010-04-20
Resigned
SMITH, Gwendoline Olive→
director · ~105y · resigned 1994-09-01
Resigned
SMITH, James Anthony→
director · ~104y · resigned 1994-09-01
Resigned

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

Mortgages & charges

13
Total charges
11
Outstanding
1
Active lenders
Status:Lender:13 of 13 shown
TypeProperties
satisfied
Lloyds Banking Group
Lloyds Bank PLC
A registered charge1 property23/03/201829/12/2020
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property08/04/2011—
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Debenture1 property24/02/2011—
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property30/01/2007—
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property27/07/2006—
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property23/07/2002—
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property31/05/2002—
outstanding
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property16/11/2001—
outstanding
Lloyds Banking Group
Lloyds Bank PLC
Mortgage1 property10/12/1997—
outstanding
Lloyds Banking Group
Lloyds Bank PLC
Mortgage1 property06/01/1995—
outstanding
Lloyds Banking Group
Lloyds Bank PLC
Legal mortgage2 properties22/01/1987—
satisfied
Lloyds Banking Group
Lloyds Bank PLC
Legal charge1 property19/06/198411/04/1987
outstanding
Lloyds Banking Group
Lloyds Bank PLC
Legal mortgage1 property12/01/1983—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (115 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-22
change-person-director-company-with-change-date
officers · CH01
2024-07-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-25
change-person-director-company-with-change-date
officers · CH01
2023-07-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-07-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-07-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-21
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-07-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-23
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-28