ACS MORTGAGES LIMITED
Opportunity 71/100 (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 -71% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £15.2k | £127.7k |
| Current assets | £33.0k | £115.1k |
| Cash | £33.0k | £115.1k |
| Net assets | £15.2k | £105.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (10 events)Click to expand
- 2025-06-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-07-03📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-08-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-09📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-09-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-12-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-09-11📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-12-11🏢Company incorporatedAs ACS MORTGAGES LIMITED
- 2017-12-11➕SENTANCE, Adam Christopher appointeddirector
- 2017-12-11📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Adam Christopher Sentance Individual · British · DOB 08/1979 · age 47 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 11/12/2017 |
Claire Louise Sentance Individual · British · DOB 04/1982 · age 44 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 11/12/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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.
Available from the Pro tier upwards.
See pricing →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
Registered office
Filing status
Officers (1 active · 0 resigned)
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