ACL PROPERTY LIMITED

🌳Matureactive

09921284 · ltd · incorporated 2015-12-17

Investment thesis

Property vehicle with a workable charge structure — clean refinance potential.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Dependent on title and valuation due diligence; standard property risks.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 7.7y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2024

Net worth

£-6.4k

book net assets

Opportunity

75/100

Strong

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What this business does

Primary activity: Buying and selling of own real estate

Sector: Real estate

Investor take

Pass (distressed without resilience)

Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 75/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

2 live charges · oldest 7.7y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 7.7 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· 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.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

23 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

75/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Negative net assets

Liabilities exceed assets by £6,397

Cash YoY

+194%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£836

↑ 194% YoY

Net Worth

-£6k

↓ 11% YoY

Current Assets

£1k

↑ 284% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2024-12-31	2023-12-31
Total assets	£111.3k	£112.0k
Current assets	£1.1k	£284
Cash	£836	£284
Debtors	£254	—
Net assets	£-6.4k	£-5.7k

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

filings

Last 90 days

filing

• 1 officers

Last 180 days

filings

• 1 officers
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (18 events)Click to expand

2026-04-02
📄
change-person-director-company-with-change-date
officers · CH01
2025-09-17
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-09-25
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-09-28
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-09-12
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-09-30
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-09-23
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-09-30
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-09-27
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-09-12
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2018-09-10
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2018-09-06
🔒
Charge registered #2
Lender: Paragon Bank PLC
2018-09-06
🔒
Charge registered #1
Lender: Paragon Bank PLC
2017-08-02
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2015-12-17
🏢
Company incorporated
As ACL PROPERTY LIMITED
2015-12-17
➕
LUCE, Andrew Charles appointed
director
2015-12-17
➕
LUCE, Claire Louise appointed
director
2015-12-17
📄
incorporation-company
incorporation · NEWINC

Owner dependency

71/100

High — earn-out structure required

Material 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.
+No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

41/100

Moderate signal

Some 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

clean

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

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Andrew Charles Luce Individual · British · DOB 07/1977 · age 49	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	16/12/2016
Mrs Claire Louise Luce Individual · British · DOB 06/1978 · age 48	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	16/12/2016

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

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ADAMS BURNETT CORPORATE PROPERTY ADVISORS LIMITED→ 15430113 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
ADMIRAL CRUTCHLEY COMPANY LIMITED→ 16051197 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
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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

Incorporated2015-12-17

Jurisdictionengland-wales

Primary SIC68100 — Buying and selling of own real estate

Registered office

4 King Square

Bridgwater

Somerset

England

TA6 3YF

England

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-12-30

Last: 2025-12-16

Officers (2 active · 0 resigned)

LUCE, Andrew Charles→

director · ~49y · appointed 2015-12-17

View their other companies + combined net worth →

Active

LUCE, Claire Louise→

director · ~48y · appointed 2015-12-17

View their other companies + combined net worth →

Active

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:2 of 2 shown

			Type	Properties
	outstanding	Paragon Paragon Bank PLC / Paragon Mortgages (2010) Limited	A registered charge	—	06/09/2018	—
	outstanding	Paragon Paragon Bank PLC	A registered charge	1 property	06/09/2018	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (23 total)

change-person-director-company-with-change-date

officers · CH01

2026-04-02

confirmation-statement-with-updates

confirmation-statement · CS01

2025-12-18