ACE DECOR LIMITED
Opportunity 77/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 53). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 26.2y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 26.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £1.34M | £1.32M |
| Current assets | £1.57M | £1.43M |
| Cash | £330.1k | £301.9k |
| Debtors | £865.3k | £769.8k |
| Net assets | £1.31M | £1.26M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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
- • 1 officers
- • 1 officers
- • 1 officers
Corporate timeline (31 events)Click to expand
- 2026-06-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-31➖SMITH, Stephen resigneddirector
- 2025-08-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-11-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-11-26🔓Charge satisfied #3
- 2024-11-26🔓Charge satisfied #1
- 2024-09-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-27📄change-person-director-company-with-change-dateofficers · CH01
- 2017-07-27📄change-person-director-company-with-change-dateofficers · CH01
- 2017-04-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-05-04📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-29➕MASTERSON, Julie Anne appointedsecretary
- 2015-12-29➖BAKER, Sharon resignedsecretary
- 2015-12-29➖BAKER, Glynn Frederick resigneddirector
- 2015-12-29🔒Charge registered #3Lender: National Westminster Bank PLC
- 2015-12-22🔒Charge registered #2Lender: Rbs Invoice Finance Limited
- 2002-02-01➕HOWARD, Sean Anthony appointeddirector
- 2000-03-22🔒Charge registered #1Lender: National Westminster Bank PLC
- 1999-07-06🏢Company incorporatedAs ACE DECOR LIMITED
- 1999-07-06➕BAKER, Sharon appointedsecretary
- 1999-07-06➕SWIFT INCORPORATIONS LIMITED appointedcorporate-nominee-secretary
- 1999-07-06➖SWIFT INCORPORATIONS LIMITED resignedcorporate-nominee-secretary
- 1999-07-06➕BAKER, Glynn Frederick appointeddirector
- 1999-07-06➕SMITH, Stephen appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 27 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
cleanGroup structure
Howard & Smith Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Howard & Smith Limited Corporate entity | 75–100% | 75–100% | board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence | 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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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 (2 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 29/12/2015 | 26/11/2024 | |
| outstanding | NatWest Group Rbs Invoice Finance Limited | A registered charge | — | 22/12/2015 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 22/03/2000 | 26/11/2024 |