ACORN4MORTGAGES2 LIMITED
🏛️Establishedactive
12905161 · ltd · incorporated 2020-09-25
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£32.2k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
ALSO REGISTERED FOR
- 66190Other activities auxiliary to financial services, except insurance and pension funding
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
16 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £32,223
Net assets shrinking
Down £37,393 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£32k
↓ 54% YoY
Current Assets
£37k
↓ 56% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £32.2k | £69.6k |
| Current assets | £37.1k | £83.5k |
| Net assets | £32.2k | £69.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (14 events)Click to expand
- 2026-04-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-10-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-02-24➕BARROWCLOUGH, Yvette Eva appointeddirector
- 2025-02-24📄capital-allotment-sharescapital · SH01
- 2025-02-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-12-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-05-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-09-25🏢Company incorporatedAs ACORN4MORTGAGES2 LIMITED
- 2020-09-25➕BARROWCLOUGH, Ian Keith appointeddirector
- 2020-09-25📄incorporation-companyincorporation · NEWINC
Owner dependency
79/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Yvette Eva Barrowclough Individual · British · DOB 05/1965 · age 61 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 25/02/2025 |
Mr Ian Keith Barrowclough Individual · British · DOB 09/1968 · age 58 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 25/09/2020 |
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 · Financial services · CH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1FS LTD→ 06180697 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| 24/7 INVESTMENT MANAGEMENT LTD→ 12166771 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 4MM LTD→ 07783098 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| A MCKINNEY LTD→ 15845571 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABACUS MORTGAGE & PROTECTION ADVICE LTD→ 13901708 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ABBOTS PARK WEALTH MANAGEMENT LTD→ 09470433 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| ACCURO UNDERWRITING LTD→ 04118067 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| ACE BIDCO LIMITED→ 11702935 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACTUARIAL ANALYTICS LIMITED→ 11364889 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACTURA CAPITAL LTD→ 16978857 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ACUITY INVESTORS LTD→ 16880832 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADAM OWENS FINANCIAL SOLUTIONS LIMITED→ 06496678 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2020-09-25
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
The Office Ffordd Pentre Bach
Nercwys
Mold
CH7 4EG
United Kingdom
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-10-08
Last: 2025-09-24
Officers (2 active · 0 resigned)
BARROWCLOUGH, Ian Keith→
Activedirector · ~58y · appointed 2020-09-25
View their other companies + combined net worth →
BARROWCLOUGH, Yvette Eva→
Activedirector · ~61y · appointed 2025-02-24
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (16 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-08
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-08
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-10-08
capital-allotment-shares
capital · SH01
2025-02-24
appoint-person-director-company-with-name-date
officers · AP01
2025-02-24
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-01
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-30
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-26
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-24
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-05-04