ACE ARC HOLDINGS LIMITED
- · Thesis: well-run, low negotiation leverage
Opportunity 71/100 (strong), bankability 67/100. Strong seller-intent signal (78/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
3 live charges · 3 lenders · oldest 39.1y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 39.1 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · 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.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Solid opportunity signal. Worth a dedicated memo and management meeting.
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 | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £576.4k | £576.0k |
| Current assets | £12.2k | £12.6k |
| Cash | £11.4k | £11.0k |
| Debtors | £764 | £1.5k |
| Net assets | £570.4k | £568.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
Corporate timeline (26 events)Click to expand
- 2025-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-19📄change-person-secretary-company-with-change-dateofficers · CH03
- 2017-10-19📄change-person-director-company-with-change-dateofficers · CH01
- 2017-10-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-04-11📄legacycapital · SH20
- 2017-04-11📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2017-04-11⚠️legacyinsolvency · CAP-SS
- 2017-04-11📄resolutionresolution · RESOLUTIONS
- 2017-04-05📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-07-13➕FAIRBROTHER, Christine Mary appointeddirector
- 2013-05-11🔓Charge satisfied #2
- 2013-01-18🔒Charge registered #3Lender: Lloyds Tsb Bank PLC
- 1997-01-02➕FAIRBROTHER, Christine Mary appointedsecretary
- 1997-01-02➖FAIRBROTHER, Frank Reginald resignedsecretary
- 1997-01-02➖FAIRBROTHER, Fred, Mr. resigneddirector
- 1995-12-05🔓Charge satisfied #1
- 1995-10-07🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 1987-04-30🔒Charge registered #1Lender: Barclays Bank PLC
- 1986-10-02🏢Company incorporatedAs ACE ARC HOLDINGS LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 67 — succession pressure is live.
- +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.
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 40 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high · 1 med ·Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2017-04-11: legacy
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 Frank Reginald Fairbrother Individual · British · DOB 06/1959 · age 67 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 06/04/2016 |
Mrs Christine Mary Fairbrother Individual · British · DOB 01/1959 · age 67 | 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.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 (3 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 18/01/2013 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 07/10/1995 | 11/05/2013 | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 30/04/1987 | 05/12/1995 |