ACE CAP LTD
Opportunity 70/100 (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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
5 live charges · 4 lenders · oldest 7.2y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 7.2 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £1.18M | £588.8k |
| Current assets | £10.5k | £17.6k |
| Cash | £6.0k | £3.3k |
| Debtors | £4.5k | £14.3k |
| Net assets | £620.8k | £18.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
Corporate timeline (26 events)Click to expand
- 2025-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-10🔒Charge registered #5Lender: Paragon Bank PLC
- 2025-05-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-02🔒Charge registered #4Lender: Kensington Mortgage Company Limited
- 2024-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-09-29📄change-person-director-company-with-change-dateofficers · CH01
- 2021-09-29📄change-person-director-company-with-change-dateofficers · CH01
- 2021-09-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-09-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-04-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-04-16🔒Charge registered #3Lender: Charter Court Financial Services Limited
- 2021-03-17➕MCGUINNESS, Megan appointeddirector
- 2021-03-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-11-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-06-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-05-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-05-19🔒Charge registered #2Lender: Lendinvest Btl Limited
- 2019-03-22🔒Charge registered #1Lender: Charter Court Financial Services Limited
- 2019-01-10🏢Company incorporatedAs ACE CAP LTD
- 2019-01-10➕ELLIS, Andrew appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Miss Megan Mcguinness Individual · British · DOB 07/1989 · age 37 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 13/11/2019 |
Mr Andrew Ellis Individual · British · DOB 05/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 10/01/2019 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 10/09/2025 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 02/05/2025 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 16/04/2021 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 19/05/2020 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 22/03/2019 | — |