ACORN COMMERCIAL FINANCE LTD
🏛️Establishedactive
12951774 · ltd · incorporated 2020-10-14
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
—
not disclosed
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company 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: medium (58/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
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
6 connected companies via shared directors
63
Filing history
15 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.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (12 events)Click to expand
- 2025-07-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-07-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-18📄change-person-director-company-with-change-dateofficers · CH01
- 2022-06-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-01-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-03-05📄resolutionresolution · RESOLUTIONS
- 2020-10-14🏢Company incorporatedAs ACORN COMMERCIAL FINANCE LTD
- 2020-10-14➕CHILVERS, Benjamin Paul appointeddirector
- 2020-10-14➕COX, Paul appointeddirector
- 2020-10-14📄incorporation-companyincorporation · NEWINC
Owner dependency
71/100
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 64 — approaching natural succession window.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- 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 |
|---|---|---|---|---|
Mr Benjamin Paul Chilvers Individual · British · DOB 08/1980 · age 46 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 14/10/2020 |
Mr Paul Cox Individual · British · DOB 02/1962 · age 64 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 14/10/2020 |
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 · NN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AAV INVESTMENTS LIMITED→ 12282523 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ABLAZE LIMITED→ 09951379 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ABLE MORTGAGES LIMITED→ 12139690 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ABSOLUTE BUSINESS FINANCE UK LTD→ 12046789 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ACCEPTACARD LIMITED→ 06910204 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| ACCUMA FINANCIAL PLANNING LIMITED→ 10135415 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ACORN COMMERCIAL LOANS LIMITED→ 13560956 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ACRES COVER LIMITED→ 14651352 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ACRES INSURANCE BROKERS LTD→ 11376968 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ACRES SOUTH LTD→ 12023917 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ACRITY INVESTMENTS LIMITED→ 15062785 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ACTIVATE BUSINESS FINANCE LIMITED→ 14906869 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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
Incorporated2020-10-14
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
7 Chartergate Clayfield Close
Moulton Park Industrial Estate
Northampton
NN3 6QF
England
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2027-03-19
Last: 2026-03-05
Officers (2 active · 0 resigned)
CHILVERS, Benjamin Paul→
Activedirector · ~46y · appointed 2020-10-14
View their other companies + combined net worth →
Active
Click a director name to see their full track record across all companies.
Recent filings (15 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-21
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-03-28
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-28
change-person-director-company-with-change-date
officers · CH01
2022-10-18
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-14
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-01-17
confirmation-statement-with-updates
confirmation-statement · CS01
2021-03-05
resolution
resolution · RESOLUTIONS
2021-03-05
incorporation-company
incorporation · NEWINC
2020-10-14