ACORN PREMIUM FINANCE LIMITED
- · Oldest live charge 12.3y old — refinance window within 12 months
Opportunity 61/100 (worth a look), bankability 45/100. Strong seller-intent signal (63/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: share sale to pe / searcher (53/100). Current lenders should be on monthly review.
Refinance opportunity
2 live charges · 2 lenders · oldest 12.3y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 12.3 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Mixed signal. Worth opening the full target workup before deciding to pursue.
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 | 2020-01-31 | 2019-01-31 |
|---|---|---|
| Total assets | — | £58.7k |
| Current assets | — | £253.3k |
| Net assets | — | £58.7k |
| Average employees | 200 | — |
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
Corporate timeline (27 events)Click to expand
- 2023-01-12📄restoration-order-of-courtrestoration · AC92
- 2021-12-07📄gazette-dissolved-voluntarygazette · GAZ2(A)
- 2021-12-07🏁Company dissolved
- 2021-09-21📄gazette-notice-voluntarygazette · GAZ1(A)
- 2021-09-14📄dissolution-application-strike-off-companydissolution · DS01
- 2021-03-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-10-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-12-13➕CROSBY, Lynn appointeddirector
- 2016-12-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2016-04-29📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-04-29📄change-person-director-company-with-change-dateofficers · CH01
- 2016-04-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2016-04-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2016-03-03📄accounts-with-accounts-type-dormantaccounts · AA
- 2015-12-31➖WARDROPPER, Lisa Marie resigneddirector
- 2015-07-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2015-07-21📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-02-24📄mortgage-create-with-deed-with-charge-numbermortgage · MR01
- 2014-02-20📄mortgage-create-with-deed-with-charge-numbermortgage · MR01
- 2014-02-17🔒Charge registered #2Lender: Orchard Funding Limited
- 2014-02-17🔒Charge registered #1Lender: Bexhill UK Limited
- 2014-01-24🏢Company incorporatedAs ACORN PREMIUM FINANCE LIMITED
- 2014-01-24➕CROSBY, Stanley appointeddirector
- 2014-01-24➕WARDROPPER, Lisa Marie appointeddirector
- 2014-01-24📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 69 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 69. 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 12 years.
Red flags
2 high ·Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2021-10-31
Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2023-02-07
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Stanley Crosby Individual · British · DOB 03/1958 · age 68 | 75–100% | — | 75-100% shares | 01/12/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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10 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 · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Orchard Funding Orchard Funding Limited | A registered charge | 1 property | 17/02/2014 | — | |
| outstanding | Bexhill UK Bexhill UK Limited | A registered charge | 1 property | 17/02/2014 | — |