ACER LIMITED

🌳Matureactive
02322276 · ltd · incorporated 1988-11-28
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
🔔
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Property-backed borrower with a 79-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 79). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 10 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

24 live charges · 10 lenders · oldest 34.4y

25/100
too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

  • · Oldest live charge is 34.4 years old — likely at or near maturity.
  • · 10 lenders named — inter-creditor friction likely.
  • · Legal-friction score 50/100 (high).

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
24 charges (24/24 with lender, 24/24 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 4 with DOB)
81
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
167 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
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
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
—
£0£0£0£0£0£0Apr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Average employees1100

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
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (70 events)Click to expand
  1. 2026-01-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-01-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-01-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2025-01-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2025-01-14
    🔓
    Charge satisfied #22
  6. 2025-01-14
    🔓
    Charge satisfied #21
  7. 2024-02-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-05-10
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  9. 2023-05-09
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  10. 2023-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2021-05-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2020-02-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2019-01-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-01-08
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  17. 2017-05-25
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2017-05-01
    ➕
    ALLISON, Stephen John appointed
    director
  19. 2011-05-12
    🔓
    Charge satisfied #20
  20. 2011-05-12
    🔓
    Charge satisfied #19
  21. 2011-05-12
    🔓
    Charge satisfied #18
  22. 2011-05-12
    🔓
    Charge satisfied #17
  23. 2011-05-12
    🔓
    Charge satisfied #16
  24. 2011-05-12
    🔓
    Charge satisfied #15
  25. 2011-05-12
    🔓
    Charge satisfied #14
  26. 2011-05-12
    🔓
    Charge satisfied #13
  27. 2011-05-12
    🔓
    Charge satisfied #11
  28. 2011-05-12
    🔓
    Charge satisfied #10
  29. 2011-05-12
    🔓
    Charge satisfied #9
  30. 2011-05-12
    🔓
    Charge satisfied #8
  31. 2011-05-12
    🔓
    Charge satisfied #7
  32. 2011-05-12
    🔓
    Charge satisfied #6
  33. 2011-05-12
    🔓
    Charge satisfied #5
  34. 2011-05-12
    🔓
    Charge satisfied #4
  35. 2011-04-18
    🔒
    Charge registered #24
    Lender: Santander UK PLC
  36. 2011-04-18
    🔒
    Charge registered #23
    Lender: Santander UK PLC
  37. 2011-04-12
    🔓
    Charge satisfied #12
  38. 2008-04-17
    🔒
    Charge registered #22
    Lender: Capital Home Loans Limited
  39. 2008-04-17
    🔒
    Charge registered #21
    Lender: Capital Home Loans Limited
  40. 2008-03-07
    🔒
    Charge registered #20
    Lender: Aib Group (UK) PLC
  41. 2007-12-27
    ➖
    WILLAN, Mirriam resigned
    director
  42. 2007-03-23
    🔒
    Charge registered #19
    Lender: Aib Group (UK) Limited
  43. 2007-03-09
    ➕
    WILLAN, Mirriam appointed
    director
  44. 2006-09-12
    🔒
    Charge registered #18
    Lender: Aib Group (UK) PLC
  45. 2006-07-21
    🔒
    Charge registered #17
    Lender: Aib Group (UK) PLC
  46. 2005-10-03
    🔒
    Charge registered #16
    Lender: Aib Group (UK) PLC
  47. 2004-11-03
    🔒
    Charge registered #15
    Lender: Aib Group (UK) P.L.C.
  48. 2004-04-22
    🔒
    Charge registered #14
    Lender: Aib Group (UK) PLC
  49. 2004-04-01
    ➕
    ALISON, Stephen appointed
    secretary
  50. 2004-04-01
    ➖
    WILLAN, Nadia resigned
    secretary
Showing most recent 50 of 70 events

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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder age: Director aged approximately 79 — succession pressure is live.

Succession & seller-readiness

76/100
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.
  • secondaryStable-but-static management: Company is 37 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

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
NameSharesVoting rightsNature of controlNotified
Mr Michael John Willan
Individual · British · DOB 06/1947 · age 79
50–75%
50–75%board control50-75% shares · 50-75% voting · board control06/04/2016
Mr Stephen Allison
Individual · British · DOB 08/1977 · age 49
——sig. influencesignificant influence25/05/2017

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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———————
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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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated1988-11-28
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate

Registered office

17 Jaxons Court
Hallgate
Wigan
Lancashire
WN1 1LR

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-02-11
Last: 2026-01-28

Officers (3 active · 4 resigned)

ALISON, Stephen→
secretary · appointed 2004-04-01
View their other companies + combined net worth →
Active
ALLISON, Stephen John→
director · ~49y · appointed 2017-05-01
View their other companies + combined net worth →
Active
WILLAN, Michael John→
director · ~79y
View their other companies + combined net worth →
Active
WILLAN, Nadia→
secretary · appointed 1996-08-16 · resigned 2004-04-01
Resigned
WILLAN, Nadia→
secretary · resigned 1994-09-22
Resigned
WILLAN, Mirriam→
director · ~47y · appointed 2007-03-09 · resigned 2007-12-27
Resigned
WILLAN, Nadia→
director · ~54y · resigned 1994-09-22
Resigned

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

Mortgages & charges

24
Total charges
2
Outstanding
1
Active lenders
Status:Lender:24 of 24 shown
TypeProperties
outstanding
Santander
Santander UK PLC
Legal charge4 properties18/04/2011—
outstanding
Santander
Santander UK PLC
Debenture1 property18/04/2011—
satisfied
Capital Home Loans
Capital Home Loans Limited
Legal charge1 property17/04/200814/01/2025
satisfied
Capital Home Loans
Capital Home Loans Limited
Legal charge1 property17/04/200814/01/2025
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Legal mortgage1 property07/03/200812/05/2011
satisfied
Aib Group (UK)
Aib Group (UK) Limited
Legal mortgage5 properties23/03/200712/05/2011
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Legal mortgage3 properties12/09/200612/05/2011
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Legal mortgage3 properties21/07/200612/05/2011
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Legal mortgage2 properties03/10/200512/05/2011
satisfied
Aib Group (UK) P.L.C.
Legal mortgage2 properties03/11/200412/05/2011
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Legal mortgage2 properties22/04/200412/05/2011
satisfied
Aib Group (UK) P.L.C.
Legal mortgage2 properties15/10/200312/05/2011
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge1 property09/06/200312/04/2011
satisfied
Aib Group (UK)
Aib Group (UK) PLC
Legal mortgage2 properties28/11/200212/05/2011
satisfied
Aib Group (UK) P.L.C.
Legal mortgage2 properties08/08/200212/05/2011
satisfied
Aib Group (UK) P.L.C.
Mortgage debenture1 property22/11/200112/05/2011
satisfied
Aib Group (UK) P.L.C.
Legal mortgage3 properties06/09/200112/05/2011
satisfied
Aib Group (UK) P.L.C.
Legal mortgage3 properties31/10/200012/05/2011
satisfied
Aib Group 9UK) P.L.C.
Legal mortgage3 properties13/08/199912/05/2011
satisfied
Aib Group (UK) P.L.C.
Mortgage debenture1 property04/09/199812/05/2011
satisfied
Allied Irish Banks Plcas Security Trustee for Itself and Aib Finance
Allied Irish Banks Plcas Security Trustee for Itself and Aib Finance Limited
Mortgage debenture1 property19/09/199612/05/2011
satisfied
National Westminster Bank
National Westminster Bank PLC
Legal mortgage1 property02/02/199611/10/2000
satisfied
Barclays
Barclays Bank PLC
Legal charge3 properties30/01/199528/11/2002
satisfied
Barclays
Barclays Bank PLC
Legal charge2 properties30/12/199128/11/2002
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (167 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-28
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-14
mortgage-satisfy-charge-full
mortgage · MR04
2025-01-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-07
gazette-filings-brought-up-to-date
gazette · DISS40
2023-05-10
gazette-notice-compulsory
gazette · GAZ1
2023-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-22