ACE TODAY LTD

🌳Matureactive
07787956 · ltd · incorporated 2011-09-27
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 Sept 2024
Net worth
£1.08M
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 75/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. 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 (58/100).

🏦

Refinance opportunity

4 live charges · 3 lenders · oldest 7.3y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 7.3 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (74/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
6 officers (2 active, 6 linked, 5 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
47 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
75/100Strong
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
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £1,082,821

Key financials

1 year extracted from filed iXBRL accounts
Cash
£6k
Net Worth
£1.1m
Current Assets
£12k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-30
Total assets£1.23M
Current assets£12.0k
Cash£6.1k
Debtors£5.9k
Net assets£1.08M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
  1. 2025-12-24
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  2. 2025-06-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-06-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-05-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-01-19
    ➖
    BAILEY, Rosie Kate resigned
    director
  8. 2021-01-19
    ➖
    BAILEY, Thomas Lee resigned
    director
  9. 2021-01-19
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2021-01-19
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2020-06-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-02-26
    ➕
    BAILEY, Rosie Kate appointed
    director
  13. 2020-02-26
    ➕
    BAILEY, Thomas Lee appointed
    director
  14. 2020-02-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2020-02-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2019-08-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2019-08-01
    🔒
    Charge registered #4
    Lender: Belmont Green Finance LTD Trading as Vida Homeloans
  18. 2019-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2019-05-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  20. 2019-05-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  21. 2019-05-22
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  22. 2019-05-22
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  23. 2019-04-15
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2019-04-12
    🔒
    Charge registered #3
    Lender: Kensington Mortgage Company Limited
  25. 2019-04-12
    🔒
    Charge registered #2
    Lender: Kensington Mortgage Company Limited
  26. 2019-03-28
    🔒
    Charge registered #1
    Lender: Lendinvest Btl Limited
  27. 2019-02-11
    ➖
    BAILEY, Rosie Katie resigned
    secretary
  28. 2019-02-11
    ➖
    BAILEY, Rosie Katie resigned
    director
  29. 2018-09-17
    ➕
    BAILEY, Rosie Katie appointed
    secretary
  30. 2018-03-28
    ➕
    BAILEY, Rosie Katie appointed
    director
  31. 2017-09-11
    ➕
    BAILEY, Lee John appointed
    director
  32. 2011-09-27
    🏢
    Company incorporated
    As ACE TODAY LTD
  33. 2011-09-27
    ➕
    BAILEY, Katie Alison appointed
    director

Owner dependency

66/100
High — earn-out structure required

Material 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

49/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 15 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mrs Katie Alison Bailey
Individual · British · DOB 03/1977 · age 49
75–100%
—75-100% shares27/09/2016

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 →

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14820081 · est 2023 · no financials extracted
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16630343 · est 2025 · no financials extracted
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16951598 · est 2026 · no financials extracted
———————
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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
Incorporated2011-09-27
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Shrubbery Farm Kimbolton Road
Wilden
Bedford
MK44 2PJ
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-10-11
Last: 2025-09-27

Officers (2 active · 4 resigned)

BAILEY, Katie Alison→
director · ~49y · appointed 2011-09-27
View their other companies + combined net worth →
Active
BAILEY, Lee John→
director · ~50y · appointed 2017-09-11
View their other companies + combined net worth →
Active
BAILEY, Rosie Katie→
secretary · appointed 2018-09-17 · resigned 2019-02-11
Resigned
BAILEY, Rosie Kate→
director · ~25y · appointed 2020-02-26 · resigned 2021-01-19
Resigned
BAILEY, Rosie Katie→
director · ~25y · appointed 2018-03-28 · resigned 2019-02-11
Resigned
BAILEY, Thomas Lee→
director · ~23y · appointed 2020-02-26 · resigned 2021-01-19
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

4
Total charges
4
Outstanding
3
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Belmont Green Finance Trading as Vida Homeloans
Belmont Green Finance LTD Trading as Vida Homeloans
A registered charge1 property01/08/2019—
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property12/04/2019—
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property12/04/2019—
outstanding
LendInvest
Lendinvest Btl Limited
A registered charge1 property28/03/2019—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (47 total)

change-account-reference-date-company-current-extended
accounts · AA01
2025-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-27
termination-director-company-with-name-termination-date
officers · TM01
2021-01-19
termination-director-company-with-name-termination-date
officers · TM01
2021-01-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-06-19