ACL ATLANTIC LIMITED
- · Oldest live charge 11.4y old — refinance window within 12 months
Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (80/100, director aged 63). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 11.4y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 11.4 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (76/100)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.
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 | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Average employees | 200 | 200 |
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 (32 events)Click to expand
- 2026-02-10📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-03-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-04-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-04-11📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-08-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-07-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-07-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-07-25📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-25📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-25📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-07-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-04-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-02-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-02-22📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-02-22🔓Charge satisfied #2
- 2021-02-22🔓Charge satisfied #1
- 2020-12-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-08-20📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2020-08-06➖LYNCH, Angela Elizabeth resignedsecretary
- 2020-04-02📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-08-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-08-21🔒Charge registered #2Lender: Santander UK PLC as Security Trustee
- 2014-11-25🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2007-11-29➕ASARO, Susan appointeddirector
- 2007-07-23🏢Company incorporatedAs ACL ATLANTIC LIMITED
- 2007-07-23➕LYNCH, Anthony Charles appointeddirector
- 2007-07-23➕LYNCH, Angela Elizabeth appointedsecretary
- 2007-07-23➕UK SECRETARIES LTD appointedcorporate-secretary
- 2007-07-23➖UK SECRETARIES LTD resignedcorporate-secretary
- 2007-07-23➕UK DIRECTORS LTD appointedcorporate-director
- 2007-07-23➖UK DIRECTORS LTD resignedcorporate-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 19 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 19 years.
- secondaryStable-but-static management: Company is 19 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Anthony Charles Lynch Individual · British · DOB 11/1976 · age 50 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 23/07/2016 |
Mrs Susan Asaro Individual · British · DOB 05/1963 · age 63 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 23/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 (2 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Santander Santander UK PLC as Security Trustee | A registered charge | — | 21/08/2019 | 22/02/2021 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 25/11/2014 | 22/02/2021 |