ACE FINANCIAL HOLDINGS LTD
Opportunity 73/100 (strong), bankability 65/100. 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 -49% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 6.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 · 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 | 2025-02-28 | 2024-02-28 |
|---|---|---|
| Total assets | £102.9k | £53.9k |
| Current assets | £292.9k | £193.2k |
| Cash | £50 | £99 |
| Debtors | £292.6k | £193.1k |
| Net assets | £57.2k | £2.9k |
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
- • 1 confirmation-statement
- • 2 confirmation-statement
- • 1 officers
- • 1 accounts
Corporate timeline (24 events)Click to expand
- 2026-04-07📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-02-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-05-10📄gazette-filings-brought-up-to-dategazette · DISS40
- 2025-05-06📄gazette-notice-compulsorygazette · GAZ1
- 2025-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-31📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2023-08-21📄change-person-director-company-with-change-dateofficers · CH01
- 2023-02-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-07-04🔒Charge registered #4Lender: Shawbrook Bank Limited
- 2021-12-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-12-20🔒Charge registered #3Lender: Shawbrook Bank Limited
- 2021-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-19🔒Charge registered #2Lender: Shawbrook Bank Limited
- 2021-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-24📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2019-10-24🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2019-02-26🏢Company incorporatedAs ACE FINANCIAL HOLDINGS LTD
- 2019-02-26➕OJIYI, Grace Nwady appointedsecretary
- 2019-02-26➕AJAEGBU, Chioma appointeddirector
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 7 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
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Chioma Ajaegbu Individual · British · DOB 01/1976 · age 50 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 26/02/2019 |
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 | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 04/07/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 20/12/2021 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 19/08/2021 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 2 properties | 24/10/2019 | — |