ACER HOUSE INVESTMENTS LIMITED
Opportunity 71/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
Refinance opportunity
3 live charges · oldest 0.5y
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.5 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key 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 | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Average employees | 200 | 200 |
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 (19 events)Click to expand
- 2025-11-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-12🔒Charge registered #3Lender: Lloyds Bank PLC
- 2025-11-12🔒Charge registered #2Lender: Lloyds Bank PLC
- 2025-11-12🔒Charge registered #1Lender: Lloyds Bank PLC
- 2025-08-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-08-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-04-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-04-05📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2021-06-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-12🏢Company incorporatedAs ACER HOUSE INVESTMENTS LIMITED
- 2019-11-12➕MCCARTHY, Ben appointeddirector
- 2019-11-12➕MCCARTHY, Claire Louise appointeddirector
- 2019-11-12📄incorporation-companyincorporation · NEWINC
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +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 med ·Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-11-12: A registered charge; 2025-11-12: A registered charge; 2025-11-12: A registered charge
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Benjamin David Mccarthy Individual · British · DOB 10/1983 · age 43 | 25–50% | — | 25-50% shares | 05/04/2022 |
Mrs Claire Louise Mccarthy Individual · British · DOB 01/1982 · age 44 | 25–50% | — | 25-50% shares | 05/04/2022 |
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 | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 12/11/2025 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 4 properties | 12/11/2025 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 12/11/2025 | — |