ACGC PROPERTY LIMITED
💤Zombieactive
10676396 · ltd · incorporated 2017-03-17
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 Mar 2026
Net worth
—
book net assets
Opportunity
66/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 66/100 (strong), bankability 57/100. 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. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
12 live charges · 9 lenders · oldest 8.8y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 8.8 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
12 charges (12/12 with lender, 12/12 with type)
90
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
2 connected companies via shared directors
51
Filing history
41 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
66/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2026-03-31 | 2025-03-31 |
|---|---|---|
| Average employees | 100 | 100 |
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 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (42 events)Click to expand
- 2026-04-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-02📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-25🔓Charge satisfied #5
- 2024-04-25🔓Charge satisfied #4
- 2024-04-25🔓Charge satisfied #2
- 2024-04-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-04-10🔓Charge satisfied #7
- 2024-04-10🔓Charge satisfied #6
- 2024-04-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-08🔒Charge registered #12Lender: Paragon Bank PLC
- 2024-04-08🔒Charge registered #11Lender: Paragon Bank PLC
- 2023-06-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-12🔒Charge registered #10Lender: The Mortgage Works (UK) PLC
- 2023-04-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-12-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-12-07🔒Charge registered #9Lender: The Mortgage Works UK PLC
- 2022-08-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-23🔒Charge registered #8Lender: Onesavings Bank PLC
- 2022-06-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-03-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-28🔒Charge registered #7Lender: The Mortgage Works(UK) PLC
- 2022-03-28🔓Charge satisfied #3
- 2022-01-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-01-20🔒Charge registered #6Lender: Charter Court Financial Services T/a Precise Mortgages
- 2021-03-08🔒Charge registered #5Lender: Paragon Bank PLC
- 2020-11-16🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2020-03-12🔓Charge satisfied #1
- 2020-02-21🔒Charge registered #3Lender: Kensington Mortgage Company Limited
- 2018-03-29🔒Charge registered #2Lender: Paratus Amc Limited T/a Foundation Home Loans
- 2017-10-04🔒Charge registered #1Lender: Paratus Amc Limited
- 2017-03-17🏢Company incorporatedAs ACGC PROPERTY LIMITED
- 2017-03-17➕CAPPIE, Craig Ross appointeddirector
Owner dependency
80/100
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.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
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
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
5 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Craig Ross Cappie Individual · English · DOB 09/1980 · age 46 | — | — | sig. influencesignificant influence | 17/03/2017 |
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 · L postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A & D DEVELOPMENTS NW LTD→ 14345269 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ABO HASSAN PROPERTIES LTD→ 16316080 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ABORIA CAPITAL LIMITED→ 15676335 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABS GROUP CONSULTANCY LTD→ 12702308 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AC PROPERTY NW LTD→ 16005422 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ACCESSIFI LTD→ 10696099 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ACCURA ESTATES LIMITED→ 11080419 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ACD PROPERTY HUB LTD→ 11930036 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ACD PROPERTY SOLUTIONS GROUP LIMITED→ 11554526 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACER PROPERTY CONSULTANTS LTD→ 10070594 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ACG MANAGEMENT LIMITED→ 12280342 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ACHIEVE YOUR ASPIRATIONS PROPERTIES LTD→ 16551569 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2017-03-17
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
C/O Stuart Mcbain Ltd (Accountants) Unit 14 Tower Street
Brunswick Business Park
Liverpool
L3 4BJ
England
Filing status
Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-01-23
Last: 2026-01-09
Officers (1 active · 0 resigned)
CAPPIE, Craig Ross→
Activedirector · ~46y · appointed 2017-03-17
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
12
Total charges
5
Outstanding
4
Active lenders
Status:Lender:12 of 12 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 08/04/2024 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 08/04/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 12/06/2023 | — | |
| outstanding | The Mortgage Works UK The Mortgage Works UK PLC | A registered charge | 1 property | 07/12/2022 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 23/08/2022 | — | |
| satisfied | The Mortgage Works(UK) The Mortgage Works(UK) PLC | A registered charge | 1 property | 28/03/2022 | 10/04/2024 | |
| satisfied | Precise Mortgages Charter Court Financial Services T/a Precise Mortgages | A registered charge | 1 property | 20/01/2022 | 10/04/2024 | |
| satisfied | Paragon Paragon Bank PLC | A registered charge | 1 property | 08/03/2021 | 25/04/2024 | |
| satisfied | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 16/11/2020 | 25/04/2024 | |
| satisfied | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 21/02/2020 | 28/03/2022 | |
| satisfied | Paratus Amc T/a Foundation Home Loans Paratus Amc Limited T/a Foundation Home Loans | A registered charge | 1 property | 29/03/2018 | 25/04/2024 | |
| satisfied | Paratus Amc Paratus Amc Limited | A registered charge | 2 properties | 04/10/2017 | 12/03/2020 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (41 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-17
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-02
change-person-director-company-with-change-date
officers · CH01
2025-09-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-02
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-25
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-25
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-25
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-10
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-17