ACE BUSINESS FINANCE LIMITED

🌿Early-stageactive
13467397 · ltd · incorporated 2021-06-21
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
Upgrade to see
Turnover
year to Jun 2025
Net worth
£176
book net assets
Opportunity
60/100
Worth a look
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Special-situation opportunity
Distressed financial-services with salvageable qualities — special-situations priority.

Opportunity 60/100 (worth a look), bankability 60/100. Share purchase looks the cleaner deal structure. 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: strategic trade sale (65/100).

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 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
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
17 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
60/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
50
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
64
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £176
Cash YoY
+15%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£10k
↑ 15% YoY
Net Worth
£176
↑ 42% YoY
Current Assets
£38k
↓ 2.9% YoY
Current Liabilities
£0£8k£15k£23k£31k£39kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30
Total assets£176£124
Current assets£37.6k£38.7k
Cash£9.7k£8.5k
Debtors£27.9k£30.3k
Net assets£176£124

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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 (16 events)Click to expand
  1. 2026-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-11-18
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2025-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-03-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2025-01-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2024-10-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2024-03-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-11-20
    BOTT, Harry James appointed
    director
  9. 2023-07-19
    📄
    capital-alter-shares-subdivision
    capital · SH02
  10. 2023-07-17
    📄
    second-filing-of-confirmation-statement-with-made-up-date
    confirmation-statement · RP04CS01
  11. 2023-03-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2022-12-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2022-02-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2021-06-21
    🏢
    Company incorporated
    As ACE BUSINESS FINANCE LIMITED
  15. 2021-06-21
    BOUCHER-SPINELLI, Max Jonathan appointed
    director
  16. 2021-06-21
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 high · 1 low
Confirmation statement overdue
high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2026-03-31

Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Max Jonathan Boucher-Spinelli
Individual · British · DOB 06/2000 · age 26
2550%
25–50%board control25-50% shares · 25-50% voting · board control21/06/2021

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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
Incorporated2021-06-21
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Fundur, Studio B1, Witan Studios
Witan Gate West
Milton Keynes
MK9 1EJ
England

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-03-31OVERDUE
Last: 2025-03-17

Officers (2 active · 0 resigned)

BOTT, Harry James
director · ~26y · appointed 2023-11-20
View their other companies + combined net worth →
Active
BOUCHER-SPINELLI, Max Jonathan
director · ~26y · appointed 2021-06-21
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Recent filings (17 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-31
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-11-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-31
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-03-14
appoint-person-director-company-with-name-date
officers · AP01
2025-01-16
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-30
capital-alter-shares-subdivision
capital · SH02
2023-07-19
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2023-07-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-30
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-12-01
confirmation-statement
confirmation-statement · CS01
2022-08-27