ACM HOMES LIMITED
Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (93/100, director aged 69). 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 (73/100).
Refinance opportunity
9 live charges · 3 lenders · oldest 23.2y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 23.2 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)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 | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Total assets | £120.6k | £119.5k |
| Current assets | £88.3k | £80.4k |
| Net assets | £116.4k | £115.8k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 accounts
Corporate timeline (44 events)Click to expand
- 2026-02-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-02-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-17📄change-person-director-company-with-change-dateofficers · CH01
- 2021-09-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-09-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-09-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-09-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-09-15📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2021-09-14➖MOORE, Beverley Anne resignedsecretary
- 2021-09-14➖MOORE, Beverley Anne resigneddirector
- 2020-10-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-07-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-11-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-11-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-12-01📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-01-13🔓Charge satisfied #8
- 2013-12-06🔓Charge satisfied #9
- 2013-12-06🔓Charge satisfied #6
- 2011-12-20🔒Charge registered #9Lender: Ashanti Investments PLC
- 2011-11-01🔓Charge satisfied #7
- 2011-11-01🔓Charge satisfied #5
- 2011-11-01🔓Charge satisfied #4
- 2011-11-01🔓Charge satisfied #3
- 2011-11-01🔓Charge satisfied #2
- 2011-11-01🔓Charge satisfied #1
- 2008-12-04🔒Charge registered #8Lender: Lloyds Tsb Bank PLC
- 2008-12-04🔒Charge registered #7Lender: Lloyds Tsb Bank PLC
- 2008-10-03🔒Charge registered #6Lender: Lloyds Tsb Bank PLC
- 2006-10-06🔒Charge registered #5Lender: National Westminster Bank PLC
- 2006-09-04🔒Charge registered #4Lender: National Westminster Bank PLC
- 2003-12-05🔒Charge registered #3Lender: National Westminster Bank PLC
- 2003-03-21🔒Charge registered #2Lender: National Westminster Bank PLC
- 2003-03-21🔒Charge registered #1Lender: National Westminster Bank PLC
- 2002-08-14🏢Company incorporatedAs ACM HOMES LIMITED
- 2002-08-14➕MOORE, Alan Christopher appointeddirector
- 2002-08-14➕MOORE, Beverley Anne appointedsecretary
- 2002-08-14➕LONDON LAW SECRETARIAL LIMITED appointedcorporate-nominee-secretary
- 2002-08-14➖LONDON LAW SECRETARIAL LIMITED resignedcorporate-nominee-secretary
- 2002-08-14➕MOORE, Beverley Anne appointeddirector
- 2002-08-14➕LONDON LAW SERVICES LIMITED appointedcorporate-nominee-director
- 2002-08-14➖LONDON LAW SERVICES LIMITED resignedcorporate-nominee-director
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.
- +Founder age: Director aged approximately 69 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- 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 24 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
1 med ·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 |
|---|---|---|---|---|
Beverley Anne Moore Individual · British · DOB 05/1961 · age 65 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 14/08/2016 |
Mr Alan Christopher Moore Individual · British · DOB 07/1957 · age 69 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 14/08/2016 |
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 (1 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Ashanti Investments Ashanti Investments PLC | Debenture | 3 properties | 20/12/2011 | 06/12/2013 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 3 properties | 04/12/2008 | 13/01/2014 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 04/12/2008 | 01/11/2011 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 03/10/2008 | 06/12/2013 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 06/10/2006 | 01/11/2011 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 04/09/2006 | 01/11/2011 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 05/12/2003 | 01/11/2011 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 21/03/2003 | 01/11/2011 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 21/03/2003 | 01/11/2011 |