AC MORTGAGES LIMITED

💤Zombieactive
09814076 · ltd · incorporated 2015-10-07
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
73/100
Strong
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 73/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: medium (55/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
31 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
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
  • • 2 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
  1. 2026-01-12
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  2. 2025-11-17
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  3. 2025-09-25
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-07-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2024-04-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2023-02-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-08-17
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  8. 2022-04-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2021-02-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2020-05-19
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2020-05-19
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2019-11-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-10-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  14. 2018-11-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2017-12-27
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2017-11-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2015-10-07
    🏢
    Company incorporated
    As AC MORTGAGES LIMITED
  18. 2015-10-07
    ➕
    CHADHA, Rajiv Ajay appointed
    director

Owner dependency

80/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

50/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Rajiv Ajay Chadha
Individual · British · DOB 06/1984 · age 42
75–100%
—75-100% shares06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
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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.

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Company details

Statusactive
Typeltd
Incorporated2015-10-07
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

5 Abbots Way
Beckenham
BR3 3RJ
England

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-10-20
Last: 2025-10-06

Officers (1 active · 0 resigned)

CHADHA, Rajiv Ajay→
director · ~42y · appointed 2015-10-07
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Recent filings (31 total)

change-account-reference-date-company-previous-shortened
accounts · AA01
2026-01-12
change-account-reference-date-company-current-extended
accounts · AA01
2025-11-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-25
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-24
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-24
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-08-17
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-19
accounts-with-accounts-type-micro-entity
accounts · AA
2021-02-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-16