ACPH LIMITED
- · Oldest live charge 12.0y old — refinance window within 12 months
Opportunity 83/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 75). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 12.0y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 12.0 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (73/100)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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2023-12-31 |
|---|---|
| Total assets | £4.95M |
| Current assets | £808.7k |
| Cash | £696.0k |
| Debtors | £112.8k |
| Net assets | £3.94M |
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
- • 4 officers
- • 2 persons-with-significant-control
- • 1 address
- • 4 officers
- • 2 persons-with-significant-control
- • 1 address
- • 4 officers
- • 2 persons-with-significant-control
- • 1 address
Corporate timeline (31 events)Click to expand
- 2026-05-12📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-05-12📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-05-12📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-12📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-10-07📄accounts-with-accounts-type-fullaccounts · AA
- 2024-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-14📄memorandum-articlesincorporation · MA
- 2024-03-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-03-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-03-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-03-13📄capital-allotment-sharescapital · SH01
- 2024-03-13📄capital-allotment-sharescapital · SH01
- 2023-08-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-18🔒Charge registered #4Lender: Hsbc UK Bank PLC
- 2023-08-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-11-05🔓Charge satisfied #3
- 2022-09-12📄change-person-director-company-with-change-dateofficers · CH01
- 2022-08-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-06-28🔒Charge registered #3Lender: Hsbc Bank PLC
- 2014-06-02🔒Charge registered #2Lender: Hsbc Bank PLC
- 2014-05-22🔒Charge registered #1Lender: Hsbc Bank PLC
- 2012-07-01➕FORD, Anna Caroline appointeddirector
- 2012-07-01➕FORD, David William appointeddirector
- 2012-07-01➕FORD, Philip Henry appointeddirector
- 2010-06-07🏢Company incorporatedAs ACPH LIMITED
- 2010-06-07➕FORD, Barbara Ann appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 75 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 16 years.
- secondaryStable-but-static management: Company is 16 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 Philip Henry Ford Individual · British · DOB 02/1985 · age 41 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/03/2024 |
Miss Anna Caroline Ford Individual · British · DOB 08/1992 · age 34 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/03/2024 |
1 historic (ceased) PSC
- Mrs Barbara Ann Fordceased 01/03/2024· 75-100% shares · 75-100% voting · board control
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 (4 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 18/08/2023 | — | |
| satisfied | HSBC Hsbc Bank PLC | A registered charge | 2 properties | 28/06/2016 | 05/11/2022 | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 02/06/2014 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | — | 22/05/2014 | — |