ACF ACQUISITIONS 11 LIMITED
💤Zombieactive
10209429 · ltd · incorporated 2016-06-01
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
78/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 79-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 80/100. Strong seller-intent signal (60/100, director aged 79). 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: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
1 live charge · oldest 9.8y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 9.8 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (59/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
28 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2025-05-21📄accounts-with-accounts-type-smallaccounts · AA
- 2024-05-22📄accounts-with-accounts-type-smallaccounts · AA
- 2024-02-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-01-07📄accounts-with-accounts-type-smallaccounts · AA
- 2022-01-10📄accounts-with-accounts-type-smallaccounts · AA
- 2021-11-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-11-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-05-26📄change-person-director-company-with-change-dateofficers · CH01
- 2021-05-19📄accounts-with-accounts-type-smallaccounts · AA
- 2020-09-02📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2020-07-15📄change-person-director-company-with-change-dateofficers · CH01
- 2020-07-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-05-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-02-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-02📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2018-04-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-07-14🔒Charge registered #1Lender: Em Acquisition Ii Limited
- 2016-06-01🏢Company incorporatedAs ACF ACQUISITIONS 11 LIMITED
- 2016-06-01➕COLES, Richard David appointeddirector
Owner dependency
95/100
Critical — business is the founderThe 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.
- +Founder age: Director aged approximately 79 — succession pressure is live.
- +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
75/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
- 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Richard Coles Individual · British · DOB 06/1947 · age 79 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 12/11/2021 |
1 historic (ceased) PSC
- Mr Richard Colesceased 12/11/2021· 25-50% shares · 25-50% voting · firm interest
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 · LN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 3D MORTGAGES LTD→ 13225814 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 3R FINANCIAL ADVISERS LTD→ 12754370 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 3R FINANCIAL SERVICES LTD→ 08454259 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| 8013B LIMITED→ 12245974 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 949 INVESTMENTS LTD→ 17016943 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| A.WAUGH INSPECTIONS LTD→ 10703436 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ACF ADVISORY LIMITED→ 16547077 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALTERNATIVE COMMERCIAL FINANCE LIMITED→ 08547499 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| AMELIO INVESTMENTS LIMITED→ 15980117 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ANDY WILSON FINANCIAL SERVICES LTD→ 07547809 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| ARC BROKER SERVICES LIMITED→ 11224505 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ASPIRE MORTGAGES (SLEAFORD) LIMITED→ 11186898 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2016-06-01
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
1 Marine Studios, Burton Lane End
Burton Waters
Lincoln
LN1 2UA
England
Filing status
Accounts
Next due: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-06-15
Last: 2025-06-01
Officers (1 active · 0 resigned)
COLES, Richard David→
Activedirector · ~79y · appointed 2016-06-01
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Em Acquisition Ii Em Acquisition Ii Limited | A registered charge | — | 14/07/2016 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (28 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-05
accounts-with-accounts-type-small
accounts · AA
2025-05-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-10
accounts-with-accounts-type-small
accounts · AA
2024-05-22
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-02-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-05
accounts-with-accounts-type-small
accounts · AA
2023-01-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-14
accounts-with-accounts-type-small
accounts · AA
2022-01-10
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-11-12
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2021-11-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-02
change-person-director-company-with-change-date
officers · CH01
2021-05-26
accounts-with-accounts-type-small
accounts · AA
2021-05-19
change-account-reference-date-company-previous-extended
accounts · AA01
2020-09-02