ACE FX LIMITED
🌳Matureactive
06748933 · ltd · incorporated 2008-11-13
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£257.1k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -84% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £257,118
Net assets shrinking
Down £28,321 YoY
Cash draining
Cash down 84% YoY
Cash YoY
-84%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£46k
↓ 84% YoY
Net Worth
£257k
↓ 9.9% YoY
Current Assets
£610k
↓ 24% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £388.7k | £416.4k |
| Current assets | £609.5k | £805.6k |
| Cash | £46.3k | £290.2k |
| Debtors | £136.9k | £144.6k |
| Net assets | £257.1k | £285.4k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (22 events)Click to expand
- 2025-10-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-10-22📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-01-17📄change-person-director-company-with-change-dateofficers · CH01
- 2023-09-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-10-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-10-21📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-04-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-01-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-01-15📄capital-allotment-sharescapital · SH01
- 2020-07-27➕WILLIAMS, Stephen Edward appointeddirector
- 2020-07-27📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-10-15📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-08-07📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2019-08-07📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2018-10-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-02-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-02-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2016-02-16➕IOANNOU, Georgina appointedsecretary
- 2016-02-16➖BOWMER, Leslie John resigneddirector
- 2013-05-01➕WILLIAMS, George appointeddirector
- 2008-11-13🏢Company incorporatedAs ACE FX LIMITED
- 2008-11-13➕BOWMER, Leslie John appointeddirector
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- secondaryStable-but-static management: Company is 18 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Stephen Edward Williams Individual · British · DOB 08/1983 · age 43 | 25–50% | 25–50% | board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence · firm interest | 29/07/2019 |
Miss Georgina Ioannou Individual · British · DOB 03/1964 · age 62 | 25–50% | 25–50% | board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence · firm interest | 13/11/2016 |
2 historic (ceased) PSCs
- Mrs Lorraine Slaterceased 29/07/2019· 25-50% shares · 25-50% voting · board control
- Mr Leslie John Bowmerceased 29/01/2017· 50-75% shares · 50-75% voting · board control · significant influence · firm interest
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 · Financial services · E postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 10SIGMA LTD→ 10183887 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| 121 FINANCIAL SOLUTIONS LTD→ 16992858 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 144 MURCHISON ROAD LTD→ 13293687 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 21 FINANCE & ASSOCIATES LTD→ 14119356 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 258 CAPITAL LIMITED→ 16051762 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 2CRANES LIMITED→ 16273407 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| A.BILBROUGH & CO.LIMITED→ 00116377 · est 1911 · no financials extracted | — | — | — | — | 114y | — | — |
| A1 SECURITY SOLUTIONS LTD→ 14900584 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AA HOMES AND HOUSING (JAMAICA HOTEL) LTD→ 11858180 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ABSOLUTE FINANCE LIMITED→ 07570340 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| AC INVESTMENTS LTD→ 13314944 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ACE MORTGAGE FINDER LIMITED→ 11035277 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2008-11-13
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Unit 8b Concourse Level
16-19 Canada Square
London
E14 5EQ
England
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-01-29
Last: 2026-01-15
Officers (3 active · 1 resigned)
Active
WILLIAMS, George→
Activedirector · ~47y · appointed 2013-05-01
View their other companies + combined net worth →
WILLIAMS, Stephen Edward→
Activedirector · ~43y · appointed 2020-07-27
View their other companies + combined net worth →
BOWMER, Leslie John→
Resigneddirector · ~72y · appointed 2008-11-13 · resigned 2016-02-16
Click a director name to see their full track record across all companies.
Recent filings (49 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-10-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-16
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-10-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-17
change-person-director-company-with-change-date
officers · CH01
2024-01-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-10-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-01-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-10-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-04-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-01-28
confirmation-statement-with-updates
confirmation-statement · CS01
2021-01-15
capital-allotment-shares
capital · SH01
2021-01-15