A C DIRECT LIMITED
- · Oldest live charge 16.5y old — refinance window within 12 months
Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 72). 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
1 live charge · oldest 16.5y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 16.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £586.4k | £556.4k |
| Current assets | £1.62M | £1.31M |
| Cash | £1.11M | £905.3k |
| Debtors | £504.3k | £390.9k |
| Net assets | £20.2k | £57.5k |
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
- • 2 officers
- • 1 confirmation-statement
- • 2 officers
- • 1 confirmation-statement
Corporate timeline (30 events)Click to expand
- 2026-03-12📄change-person-director-company-with-change-dateofficers · CH01
- 2026-03-12📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-29📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-11-29📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-11-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-29📄capital-allotment-sharescapital · SH01
- 2023-11-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-01➕BRENNAN, Anthony John appointeddirector
- 2023-02-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-02-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-05-04➖DAVEY, Stephen Denis resigneddirector
- 2019-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2012-01-05➕DAVEY, Scott James appointeddirector
- 2012-01-05➕DAVEY, Thomas James appointeddirector
- 2011-01-01➕DAVEY, Linda Barbara appointeddirector
- 2009-11-11🔒Charge registered #1Lender: National Westminster Bank PLC
- 1992-10-30➕DAVEY, Linda Barbara appointedsecretary
- 1992-10-30➖RICHMOND COMPANY DIRECTORS LIMITED resignedcorporate-secretary
- 1992-10-30➕DAVEY, Stephen Denis appointeddirector
- 1992-10-30➖RICHMOND COMPANY DIRECTORS LIMITED resignedcorporate-director
- 1992-10-28🏢Company incorporatedAs A C DIRECT LIMITED
- 1992-10-28➕RICHMOND COMPANY DIRECTORS LIMITED appointedcorporate-secretary
- 1992-10-28➕RICHMOND COMPANY DIRECTORS LIMITED appointedcorporate-director
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 72 — 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 70+: Senior director is approximately 72 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 15 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Linda Barbara Davey Individual · British · DOB 03/1954 · age 72 | 25–50% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/04/2017 |
2 historic (ceased) PSCs
- Scott James Daveyceased 01/11/2023· 25-50% shares
- Thomas James Daveyceased 01/11/2023· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 (5 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 11/11/2009 | — |