ACASTER HOMES LIMITED
Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (73/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
5 live charges · 4 lenders · oldest 12.1y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 12.1 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 5 | 500 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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
- • 1 accounts
- • 1 mortgage
Corporate timeline (34 events)Click to expand
- 2025-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-07🔒Charge registered #5Lender: One Stop Business Finance Spv 3 Limited
- 2024-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-01-19🔓Charge satisfied #4
- 2024-01-19🔓Charge satisfied #3
- 2024-01-19🔓Charge satisfied #1
- 2023-12-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-10-12🔓Charge satisfied #2
- 2022-08-17📄memorandum-articlesincorporation · MA
- 2022-08-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-10-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-09-29🔒Charge registered #4Lender: Npif Nw Debt LP
- 2020-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-07-17🔒Charge registered #3Lender: Npif Nw Debt LP Acting by North West Loans Npif Gp Limited as the General Partner of Npif Nw Debt LP Acting by Fw Capital Limited
- 2020-06-25📄resolutionresolution · RESOLUTIONS
- 2020-06-25📄capital-name-of-class-of-sharescapital · SH08
- 2019-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2014-05-27🔒Charge registered #2Lender: Lloyds Bank PLC
- 2014-03-19🔒Charge registered #1Lender: Lloyds Bank PLC
- 2014-02-12🏢Company incorporatedAs ACASTER HOMES LIMITED
- 2014-02-12➕SMITH, Alison Jane appointedsecretary
- 2014-02-12➕SMITH, Alison Jane appointeddirector
- 2014-02-12➕SMITH, Jacob Peter appointeddirector
- 2014-02-12➕SMITH, Marcus George Francis appointeddirector
- 2014-02-12➕SMITH, Pollyanna Fay appointeddirector
- 2014-02-12➕SMITH, Steven Geoffrey appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -5 active directors: Broader management team in place — suggests transferable governance.
- +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.
- secondary12+ year tenure: Director in role 12 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Alison Jane Smith Individual · British · DOB 10/1960 · age 66 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Steven Smith Individual · British · DOB 12/1957 · age 69 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 (6 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | One Stop Business Finance Spv 3 One Stop Business Finance Spv 3 Limited | A registered charge | 2 properties | 07/11/2025 | — | |
| satisfied | Npif Nw Debt LP | A registered charge | 1 property | 29/09/2020 | 19/01/2024 | |
| satisfied | Npif Nw Debt LP Acting by North West Loans Npif Gp as the General Partner of Npif Nw Debt LP Acting by Fw Capital Npif Nw Debt LP Acting by North West Loans Npif Gp Limited as the General Partner of Npif Nw Debt LP Acting by Fw Capital Limited | A registered charge | 2 properties | 17/07/2020 | 19/01/2024 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 27/05/2014 | 12/10/2022 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 19/03/2014 | 19/01/2024 |