ACE UNION LIMITED
🌳Matureactive
09530233 · ltd · incorporated 2015-04-08
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 9.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 73/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · oldest 9.0y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 9.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
- · Not currently profitable — coverage conversation is a harder sell.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Loss-making
Loss before tax £283,054
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Profit before tax | £-283.1k | — |
| Total assets | — | £595.3k |
| Current assets | — | £760.6k |
| Cash | — | £392.7k |
| Debtors | — | £367.9k |
| Net assets | — | £595.3k |
| Average employees | 2 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
2
filings
- • 1 confirmation-statement
- • 1 officers
Last 180 days
3
filings
- • 2 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-03-16➕ALI, Unniza appointedsecretary
- 2026-03-16📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2026-02-16📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-09-24📄accounts-with-accounts-type-fullaccounts · AA
- 2025-03-14📄capital-allotment-sharescapital · SH01
- 2025-03-11📄resolutionresolution · RESOLUTIONS
- 2025-03-10📄statement-of-companys-objectschange-of-constitution · CC04
- 2024-12-24📄accounts-with-accounts-type-fullaccounts · AA
- 2024-12-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-11-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-10-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-10-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-04-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-04-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-10-06📄accounts-with-accounts-type-fullaccounts · AA
- 2023-03-17📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-09-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-04-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-04🔓Charge satisfied #2
- 2018-12-04🔓Charge satisfied #1
- 2017-05-25🔒Charge registered #2Lender: Habibsons Bank Limited
- 2017-05-25🔒Charge registered #1Lender: Habibsons Bank Limited
- 2015-04-08🏢Company incorporatedAs ACE UNION LIMITED
- 2015-04-08➕ASHRAF, Aftab appointeddirector
- 2015-04-08➕MEHMOOD, Tariq appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
41/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 lowMultiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
Ace Money Transfer Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Ace Money Transfer Limited
Corporate parent · holds 75-100% shares
⬇
ACE UNION LIMITED
This company · 09530233
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ace Money Transfer Limited Corporate entity | 75–100% | — | 75-100% shares | 06/04/2016 |
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 →Similar companies
Active · Financial services · M postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 22 PROPERTY LTD→ 13988878 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 3 SINHA'S INVESTMENTS LTD→ 12641048 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 3JA HOLDINGS LTD→ 15169176 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 51 ARNFIELD LTD→ 15748095 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AARON SHAW LTD→ 17130153 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ABANCAY HOLDINGS UK LIMITED→ 15170861 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABERFELDY HOLDINGS LTD→ 15691720 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABRIDGE FINANCE LTD→ 12399889 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ACCESS REPAIRER FUNDING LTD→ 07153342 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| ACE MONEY TRANSFER LIMITED→ 04502952 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ACER K9 LTD→ 16907363 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACHIEVERS25 COMMUNITY INTEREST COMPANY→ 17040426 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2015-04-08
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
1 Portland Street
Manchester
M1 3BE
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-04-10
Last: 2026-03-27
Officers (3 active · 0 resigned)
Active
ASHRAF, Aftab→
Activedirector · ~53y · appointed 2015-04-08
View their other companies + combined net worth →
MEHMOOD, Tariq→
Activedirector · ~49y · appointed 2015-04-08
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Habibsons Bank Habibsons Bank Limited | A registered charge | — | 25/05/2017 | 04/12/2018 | |
| satisfied | Habibsons Bank Habibsons Bank Limited | A registered charge | — | 25/05/2017 | 04/12/2018 |
Recent filings (49 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-30
appoint-person-secretary-company-with-name-date
officers · AP03
2026-03-16
change-person-director-company-with-change-date
officers · CH01
2026-02-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-11-06
accounts-with-accounts-type-full
accounts · AA
2025-09-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-08
capital-allotment-shares
capital · SH01
2025-03-14
resolution
resolution · RESOLUTIONS
2025-03-11
statement-of-companys-objects
change-of-constitution · CC04
2025-03-10
accounts-with-accounts-type-full
accounts · AA
2024-12-24
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-12-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-11-07
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-10-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-10-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-19