A.C. ESTATES LIMITED
🌳Matureactive
04927778 · ltd · incorporated 2003-10-09
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 May 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Management of real estate on a fee or contract basis
Sector: Real estate
ALSO REGISTERED FOR
- 70229Management consultancy activities other than financial management
Investor take
PursueProperty-backed borrower with a 77-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 67/100. Strong seller-intent signal (73/100, director aged 77). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
5 live charges · 4 lenders · oldest 11.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 11.9 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (83/100)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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
76 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
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 accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 400 | 400 |
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
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2025-11-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-02-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-03-04🔓Charge satisfied #4
- 2024-02-27🔒Charge registered #5Lender: Jonathan Patrick Walters and Jane Margaret Walters and Whitehall Trustees Limited as Trustees of the Walters Ssas
- 2024-02-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-05📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-10-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-05-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-05-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-05-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-05-18🔓Charge satisfied #3
- 2021-05-18🔓Charge satisfied #2
- 2021-05-18🔓Charge satisfied #1
- 2021-05-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-07🔒Charge registered #4Lender: Jonathan Patrick Walters
- 2021-02-18📄change-person-director-company-with-change-dateofficers · CH01
- 2020-11-06📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-06-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-06-12🔒Charge registered #3Lender: Jane Margaret Walters and Jonathan Patrick Walters
- 2019-10-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-05-24🔒Charge registered #2Lender: Whitehall Trustees Limited
- 2015-03-03➕WALTERS, Jamie Robert appointeddirector
- 2014-07-24🔒Charge registered #1Lender: Whitehall Trustees Limited
- 2003-10-09🏢Company incorporatedAs A.C. ESTATES LIMITED
- 2003-10-09➕WALTERS, Jonathan Patrick appointedsecretary
- 2003-10-09➕WALTERS, Jane Margaret appointeddirector
- 2003-10-09➕WALTERS, Jonathan Patrick appointeddirector
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 77 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
90/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 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 ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Jane Margaret Walters Individual · British · DOB 03/1951 · age 75 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 10/10/2017 |
Mr Jonathan Patrick Walters Individual · British · DOB 08/1949 · age 77 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 10/10/2017 |
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 →Similar companies
Active · Property · SG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 4D REAL ESTATE LIMITED→ 11060991 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| 666 NEWMARKET ROAD LIMITED→ 13833618 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 8-10 HIGH STREET DARTFORD LIMITED→ 14804461 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| A & C KASAP PROPERTIES LIMITED→ 14191107 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| A B PROPERTIES INVESTMENTS LIMITED→ 11465421 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| A10 CBS LTD→ 12251351 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| A12 CBS LIMITED→ 14085543 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| A130 CBS LIMITED→ 14482724 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AA PROPERTIES (ESSEX) LTD→ 16457105 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AAAW DEVELOPMENTS LIMITED→ 14708842 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| AARDVARK CONSULT LTD→ 11253065 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AARON HOMES LETTINGS LIMITED→ 10698605 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2003-10-09
Jurisdictionengland-wales
Primary SIC68320 — Management of real estate on a fee or contract basis
Registered office
4 Hunting Gate
Hitchin
Hertfordshire
SG4 0TJ
England
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-03-12
Last: 2026-02-26
Officers (4 active · 0 resigned)
WALTERS, Jonathan Patrick→
Activesecretary · appointed 2003-10-09
View their other companies + combined net worth →
WALTERS, Jamie Robert→
Activedirector · ~50y · appointed 2015-03-03
View their other companies + combined net worth →
WALTERS, Jane Margaret→
Activedirector · ~75y · appointed 2003-10-09
View their other companies + combined net worth →
WALTERS, Jonathan Patrick→
Activedirector · ~77y · appointed 2003-10-09
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
1
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Jonathan Patrick Walters and Jane Margaret Walters and Whitehall Trustees as Trustees of the Walters Ssas Jonathan Patrick Walters and Jane Margaret Walters and Whitehall Trustees Limited as Trustees of the Walters Ssas | A registered charge | 1 property | 27/02/2024 | — | |
| satisfied | Jonathan Patrick Walters / Jane Margaret Walters / Whitehall Trustees Jonathan Patrick Walters / Jane Margaret Walters / Whitehall Trustees Limited | A registered charge | 1 property | 07/05/2021 | 04/03/2024 | |
| satisfied | Jane Margaret Walters and Jonathan Patrick Walters / Whitehall Trustees as Trustees of the Walters Ssas Jane Margaret Walters and Jonathan Patrick Walters / Whitehall Trustees Limited as Trustees of the Walters Ssas | A registered charge | 1 property | 12/06/2020 | 18/05/2021 | |
| satisfied | Whitehall Trustees / Jane Margaret Walters / Jonathan Patrick Walters Whitehall Trustees Limited / Jane Margaret Walters / Jonathan Patrick Walters | A registered charge | 1 property | 24/05/2017 | 18/05/2021 | |
| satisfied | Whitehall Trustees / Jane Margaret Walters / Jonathan Patrick Walters Whitehall Trustees Limited / Jane Margaret Walters / Jonathan Patrick Walters | A registered charge | 1 property | 24/07/2014 | 18/05/2021 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (76 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-03-04
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-07
change-person-director-company-with-change-date
officers · CH01
2023-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-10-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-09
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-10-27