AC PROPERTY HOLDINGS LTD
🌳Matureactive
09564693 · ltd · incorporated 2015-04-28
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 Apr 2025
Net worth
£36.0k
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
- 68320Management of real estate on a fee or contract basis
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 73/100 (strong), bankability 67/100. 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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
6 live charges · 4 lenders · oldest 10.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 10.9 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 (74/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 3 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
48 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
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
55
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £35,989
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
£36k
Current Assets
£188k
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-30 |
|---|---|
| Total assets | £119.1k |
| Current assets | £187.6k |
| Net assets | £36.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
- 2026-01-14📄accounts-amended-with-accounts-type-micro-entityaccounts · AAMD
- 2026-01-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-10-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-03📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-01-06📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-07-23📄gazette-filings-brought-up-to-dategazette · DISS40
- 2024-07-16📄gazette-notice-compulsorygazette · GAZ1
- 2023-11-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-08-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-08🔓Charge satisfied #5
- 2022-08-08🔓Charge satisfied #4
- 2022-08-08🔓Charge satisfied #3
- 2022-08-08🔓Charge satisfied #2
- 2022-08-08🔓Charge satisfied #1
- 2022-07-15➖SMITH, Clare Louise resignedsecretary
- 2022-07-15📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2021-08-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-25🔒Charge registered #6Lender: Shawbrook Bank Limited
- 2018-05-25🔒Charge registered #5Lender: Interbay Funding Limited
- 2018-05-25🔒Charge registered #4Lender: Interbay Funding Limited
- 2018-04-27➕SMITH, Clare Louise appointeddirector
- 2017-07-20🔒Charge registered #3Lender: Fastbridge Finance Limited
- 2017-07-20🔒Charge registered #2Lender: Fastbridge Finance Limited
- 2015-08-13🔒Charge registered #1Lender: National Westminster Bank PLC
- 2015-04-28🏢Company incorporatedAs AC PROPERTY HOLDINGS LTD
- 2015-04-28➕SMITH, Alec Craig, Mr. appointeddirector
- 2015-04-28➕SMITH, Clare Louise appointedsecretary
Owner dependency
66/100
High — earn-out structure requiredMaterial 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
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 med ·Charge satisfaction-then-recreation pattern
mediumMultiple 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 Clare Louise Smith Individual · British · DOB 06/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 03/10/2025 |
Mr. Alec Craig Smith Individual · British · DOB 12/1979 · age 47 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/04/2017 |
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 · Property · PO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A & D CRANE PROPERTIES LTD→ 10593177 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ABACULUS LIMITED→ 10288814 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ABBOTTS ACRES LIMITED→ 16371327 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ABOW PROPERTY LTD→ 14022215 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ABRO PROPERTIES (MANAGEMENT) LIMITED→ 03276233 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| AC PORTSMOUTH PROPERTY LTD→ 16410486 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AC SOUTHERN PROPERTIES LIMITED→ 10205429 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| AC&C ENTERPRISES LIMITED→ 16928885 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACCESS 4/20 MANAGEMENT LIMITED→ 05860988 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ACCOMMODATION BY DJT LTD→ 15182675 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ACCOMMODATIONS SURE LTD→ 14928834 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ACCOMODATE YOU LTD→ 16565601 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2015-04-28
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
F4 Fareham Heights
Standard Way
Fareham
PO16 8XT
England
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-05-12
Last: 2026-04-28
Officers (2 active · 1 resigned)
SMITH, Alec Craig, Mr.→
Activedirector · ~47y · appointed 2015-04-28
View their other companies + combined net worth →
SMITH, Clare Louise→
Activedirector · ~53y · appointed 2018-04-27
View their other companies + combined net worth →
SMITH, Clare Louise→
Resignedsecretary · appointed 2015-04-28 · resigned 2022-07-15
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
1
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 25/01/2019 | — | |
| satisfied | InterBay Interbay Funding Limited | A registered charge | 2 properties | 25/05/2018 | 08/08/2022 | |
| satisfied | InterBay Interbay Funding Limited | A registered charge | 2 properties | 25/05/2018 | 08/08/2022 | |
| satisfied | Fastbridge Finance Fastbridge Finance Limited | A registered charge | 1 property | 20/07/2017 | 08/08/2022 | |
| satisfied | Fastbridge Finance Fastbridge Finance Limited | A registered charge | 1 property | 20/07/2017 | 08/08/2022 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 13/08/2015 | 08/08/2022 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (48 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-30
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2026-01-14
accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-03
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-10-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-06
accounts-with-accounts-type-dormant
accounts · AA
2025-01-06
gazette-filings-brought-up-to-date
gazette · DISS40
2024-07-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-21
gazette-notice-compulsory
gazette · GAZ1
2024-07-16
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-31
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-20
mortgage-satisfy-charge-full
mortgage · MR04
2022-08-08
mortgage-satisfy-charge-full
mortgage · MR04
2022-08-08