ACS MAGNOLIA LIMITED
Opportunity 70/100 (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
5 live charges · 2 lenders · oldest 11.8y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 11.8 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
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 | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Average employees | 0 | 0 |
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
Corporate timeline (23 events)Click to expand
- 2025-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-08-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-08-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-08-29📄capital-allotment-sharescapital · SH01
- 2023-10-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-07-20🔒Charge registered #5Lender: Paragon Bank PLC
- 2016-11-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2016-11-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2016-11-04🔒Charge registered #4Lender: Paragon Bank PLC
- 2016-11-04🔒Charge registered #3Lender: Paragon Bank PLC
- 2014-11-03🔒Charge registered #2Lender: Barclays Bank PLC
- 2014-10-02🔒Charge registered #1Lender: Barclays Bank PLC
- 2013-01-07🏢Company incorporatedAs ACS MAGNOLIA LIMITED
- 2013-01-07➕COWPER-SMITH, Alex appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Kimberley Anne Jandrell Individual · British · DOB 03/1992 · age 34 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 14/12/2023 |
Mr Alex Cowper-Smith Individual · British · DOB 10/1981 · age 45 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 20/07/2017 | — | |
| outstanding | Paragon Paragon Bank PLC / Paragon Mortgages (2010) Limited | A registered charge | 1 property | 04/11/2016 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 04/11/2016 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 03/11/2014 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 02/10/2014 | — |