ACG (YORKS) LIMITED
Opportunity 43/100 (watch), bankability 40/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: distressed disposal / insolvency (85/100). Current lenders should be on monthly review.
Refinance opportunity
3 live charges · 2 lenders · oldest 4.2y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~4.2 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 35/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
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 | £119.9k | £-2.3k |
| Current assets | £102.1k | £19.1k |
| Cash | £2.3k | £35 |
| Debtors | £99.8k | £19.0k |
| Net assets | £-7.8k | £-2.3k |
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
- • 2 insolvency
- • 1 address
- • 1 resolution
- • 2 insolvency
- • 1 address
- • 1 resolution
- • 2 insolvency
- • 1 address
- • 1 resolution
Corporate timeline (19 events)Click to expand
- 2026-06-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-06-02⚠️liquidation-voluntary-statement-of-affairsinsolvency · LIQ02
- 2026-06-02⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2026-06-02📄resolutionresolution · RESOLUTIONS
- 2025-11-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-03🔒Charge registered #3Lender: National Westminster Bank PLC
- 2024-02-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-11-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-10🔒Charge registered #2Lender: J & B Property Letting LTD
- 2022-03-10🔒Charge registered #1Lender: J & B Property Letting LTD
- 2021-02-27🏢Company incorporatedAs ACG (YORKS) LIMITED
- 2021-02-27➕BULLEN, Phillip Keith appointeddirector
- 2021-02-27➕THURLOW, Gillian appointeddirector
- 2021-02-27📄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.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +No director turnover: Company is 5 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.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
3 high ·Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-03-12
Company is actively being wound up. Not a going concern.
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2026-06-02: liquidation-voluntary-statement-of-affairs; 2026-06-02: liquidation-voluntary-appointment-of-liquidator
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Phillip Keith Bullen Individual · British · DOB 09/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 27/02/2021 |
Miss Gillian Thurlow Individual · British · DOB 02/1964 · age 62 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 27/02/2021 |
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.
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11 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 | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 03/04/2024 | — | |
| outstanding | J & B Property Letting J & B Property Letting LTD | A registered charge | 1 property | 10/03/2022 | — | |
| outstanding | J & B Property Letting J & B Property Letting LTD | A registered charge | 1 property | 10/03/2022 | — |