ACE MONEY TRANSFER LIMITED
Opportunity 72/100 (strong), bankability 77/100. Strong seller-intent signal (68/100, director aged 53). 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: strategic trade sale (73/100).
Refinance opportunity
3 live charges · 3 lenders · oldest 9.0y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 9.0 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: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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.
Key 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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | — | £21.29M |
| Current assets | — | £21.36M |
| Cash | — | £10.59M |
| Debtors | — | £10.77M |
| Net assets | — | £21.24M |
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 persons-with-significant-control
- • 2 officers
- • 1 persons-with-significant-control
- • 1 confirmation-statement
Corporate timeline (43 events)Click to expand
- 2026-03-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-02-16📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-27📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-11-24➕ALI, Unniza appointedsecretary
- 2025-09-24📄accounts-with-accounts-type-groupaccounts · AA
- 2025-05-08📄resolutionresolution · RESOLUTIONS
- 2025-05-08📄memorandum-articlesincorporation · MA
- 2025-05-08📄statement-of-companys-objectschange-of-constitution · CC04
- 2025-04-22✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-04-22✏️change-of-name-noticechange-of-name · CONNOT
- 2025-01-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-24📄accounts-with-accounts-type-groupaccounts · AA
- 2024-12-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-10-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-10-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-10-06📄accounts-with-accounts-type-groupaccounts · AA
- 2022-12-05📄accounts-with-accounts-type-groupaccounts · AA
- 2021-09-17📄accounts-with-accounts-type-groupaccounts · AA
- 2020-12-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-12-22🔓Charge satisfied #3
- 2020-09-28📄accounts-with-accounts-type-groupaccounts · AA
- 2020-09-11🔒Charge registered #3Lender: Gcp Asset Backed Income (UK) Limited (as Security Agent)
- 2020-09-11🔓Charge satisfied #2
- 2018-04-30🔒Charge registered #2Lender: Archover Limited
- 2018-02-27🔓Charge satisfied #1
- 2017-05-25🔒Charge registered #1Lender: Habibsons Bank Limited
- 2014-05-31➖PATEL, Farzana resignedsecretary
- 2014-02-04➕PATEL, Farzana appointedsecretary
- 2011-01-25➕MEHMOOD, Tariq appointeddirector
- 2011-01-25➖ASHRAF, Saima resignedsecretary
- 2009-08-10➖ASHRAF, Rashid resigneddirector
- 2009-06-17➕ASHRAF, Rashid appointeddirector
- 2007-09-11➖ANWAR, Mohammad resignedsecretary
- 2007-09-11➕ASHRAF, Saima appointedsecretary
- 2003-04-02➖RASHID, Saima resignedsecretary
- 2003-04-01➕ANWAR, Mohammad appointedsecretary
- 2002-08-20➕ASHRAF, Aftab appointeddirector
- 2002-08-20➕RASHID, Saima appointedsecretary
- 2002-08-07➖HCS SECRETARIAL LIMITED resignedcorporate-nominee-secretary
- 2002-08-07➖HANOVER DIRECTORS LIMITED resignedcorporate-nominee-director
- 2002-08-05🏢Company incorporatedAs ACE MONEY TRANSFER LIMITED
- 2002-08-05➕HCS SECRETARIAL LIMITED appointedcorporate-nominee-secretary
- 2002-08-05➕HANOVER DIRECTORS LIMITED appointedcorporate-nominee-director
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 med · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-04-22: certificate-change-of-name-company; 2025-04-22: change-of-name-notice
Multiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Aftab Ashraf Individual · British · DOB 05/1973 · age 53 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
Mr. Rashid Ashraf Individual · British · DOB 08/1978 · age 48 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 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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|---|---|---|---|---|---|---|---|
| 22 PROPERTY LTD→ 13988878 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 3 SINHA'S INVESTMENTS LTD→ 12641048 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 3JA HOLDINGS LTD→ 15169176 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 51 ARNFIELD LTD→ 15748095 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AARON SHAW LTD→ 17130153 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ABANCAY HOLDINGS UK LIMITED→ 15170861 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABERFELDY HOLDINGS LTD→ 15691720 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABRIDGE FINANCE LTD→ 12399889 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ACCESS REPAIRER FUNDING LTD→ 07153342 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| ACER K9 LTD→ 16907363 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACHIEVERS25 COMMUNITY INTEREST COMPANY→ 17040426 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ACS PAYROLL LIMITED→ 15989873 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
6 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 · 7 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Gcp Asset Backed Income (UK) (as Security Agent) Gcp Asset Backed Income (UK) Limited (as Security Agent) | A registered charge | — | 11/09/2020 | 22/12/2020 | |
| satisfied | Archover Archover Limited | A registered charge | 1 property | 30/04/2018 | 11/09/2020 | |
| satisfied | Habibsons Bank Habibsons Bank Limited | A registered charge | — | 25/05/2017 | 27/02/2018 |