ACA RISKS LIMITED
💤Zombieactive
10023580 · ltd · incorporated 2016-02-24
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
—
year to Jun 2025
Net worth
£214.5k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
ALSO REGISTERED FOR
- 70229Management consultancy activities other than financial management
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 74/100 (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: Cash flow review and working-capital discipline. Cash down -52% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (1 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
37 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
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
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £214,504
Cash draining
Cash down 52% YoY
Cash YoY
-52%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£97k
↓ 52% YoY
Net Worth
£215k
↑ 12% YoY
Current Assets
£175k
↓ 20% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £214.5k | £191.3k |
| Current assets | £174.6k | £217.4k |
| Cash | £97.0k | £201.0k |
| Debtors | £77.6k | £16.4k |
| Net assets | £214.5k | £191.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
1 signal 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
0
filings
Last 180 days
3
filings
- • 1 accounts
- • 1 confirmation-statement
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-01-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-14📄change-person-director-company-with-change-dateofficers · CH01
- 2025-08-27📄gazette-filings-brought-up-to-dategazette · DISS40
- 2025-08-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-26📄gazette-notice-compulsorygazette · GAZ1
- 2025-05-14📄gazette-filings-brought-up-to-dategazette · DISS40
- 2025-05-13📄gazette-notice-compulsorygazette · GAZ1
- 2024-06-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-29📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2023-09-26📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-09-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-09-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-09-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-09-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-08-25➕QUIRKE, Jessica Jade appointeddirector
- 2023-08-25➖PHILPIN, Emma Louise resignedsecretary
- 2023-08-25➖PEARCE, Siobhan Marie resigneddirector
- 2022-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-03-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-03-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-02-06➖KEARNS, David Mark resigneddirector
- 2017-02-06➕PEARCE, Siobhan Marie appointeddirector
- 2016-02-24🏢Company incorporatedAs ACA RISKS LIMITED
- 2016-02-24➕PHILPIN, Emma Louise appointedsecretary
- 2016-02-24➕KEARNS, David Mark appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
45/100
Moderate signalSome 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.
Red flags
cleanNo 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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Jessica Jade Quirke Individual · British · DOB 10/1996 · age 30 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 25/08/2023 |
1 historic (ceased) PSC
- Mrs Siobhan Marie Pearceceased 25/08/2023· 75-100% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · SK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 4ME GROUP LTD→ 10219163 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| 5 STAR FINANCIAL SOLUTIONS LTD→ 12306320 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 5 STAR MORTGAGE SOLUTIONS LIMITED→ 08939438 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| A.C.M. FINANCIAL SERVICES LTD.→ 03815056 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| AADT LIMITED→ 16827831 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AARC VENTURES LIMITED→ 15272512 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AB HUB SERVICES LTD→ 14758378 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ABCS2 HOLDINGS LTD→ 10411855 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ACASTA EUROPE LIMITED→ 07270251 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| ACESTONE LIMITED→ 11989127 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ACORN CAPITAL PARTNERS LIMITED→ 03821373 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| ACQUIRED LIMITED→ 09660317 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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
Incorporated2016-02-24
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
Mynshull House
78 Churchgate
Stockport
Cheshire
SK1 1YJ
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-11-28
Last: 2025-11-14
Officers (1 active · 3 resigned)
QUIRKE, Jessica Jade→
Activedirector · ~30y · appointed 2023-08-25
View their other companies + combined net worth →
PHILPIN, Emma Louise→
Resignedsecretary · appointed 2016-02-24 · resigned 2023-08-25
KEARNS, David Mark→
Resigneddirector · ~65y · appointed 2016-02-24 · resigned 2017-02-06
PEARCE, Siobhan Marie→
Resigneddirector · ~54y · appointed 2017-02-06 · resigned 2023-08-25
Click a director name to see their full track record across all companies.
Recent filings (37 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-22
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-14
change-person-director-company-with-change-date
officers · CH01
2025-11-14
gazette-filings-brought-up-to-date
gazette · DISS40
2025-08-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-26
gazette-notice-compulsory
gazette · GAZ1
2025-08-26
gazette-filings-brought-up-to-date
gazette · DISS40
2025-05-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-13
gazette-notice-compulsory
gazette · GAZ1
2025-05-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-06
change-account-reference-date-company-previous-extended
accounts · AA01
2024-02-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-21
termination-secretary-company-with-name-termination-date
officers · TM02
2023-09-26
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-09-22
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-09-22