AC ESTATE MANAGEMENT LTD
Opportunity 66/100 (strong), bankability 52/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
8 live charges · 6 lenders · oldest 3.1y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.1 years — mid-life; refi window approaching.
- · 6 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-08-31 | 2024-08-31 |
|---|---|---|
| Total assets | £705.0k | £395.1k |
| Current assets | £239.0k | £104.2k |
| Net assets | £217.9k | £217.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 confirmation-statement
- • 1 accounts
- • 2 mortgage
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (27 events)Click to expand
- 2026-05-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-04-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-10🔒Charge registered #8Lender: Hope Capital 3 Limited
- 2026-04-10🔒Charge registered #7Lender: Hope Capital 3 Limited
- 2026-01-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-09🔒Charge registered #6Lender: Kensington Mortgage Company Limited
- 2025-10-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-30🔒Charge registered #5Lender: Colcap Financial UK Limited, Trading as Molo
- 2025-07-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-30🔒Charge registered #4Lender: Allica Bank Limited
- 2025-05-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-29🔒Charge registered #3Lender: Keystone Property Finance Limited
- 2024-08-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-08🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2024-05-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-22📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2023-08-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-08-21📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2023-06-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-16🔒Charge registered #1Lender: Kensington Mortgage Company Limited
- 2023-06-09📄change-person-director-company-with-change-dateofficers · CH01
- 2023-06-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-05-24🏢Company incorporatedAs AC ESTATE MANAGEMENT LTD
- 2022-05-24➕LAU, Martin Wing appointeddirector
- 2022-05-24📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med · 1 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-04-10: A registered charge; 2026-04-10: A registered charge; 2026-01-09: A registered charge
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Martin Wing Lau Individual · British · DOB 04/1985 · age 41 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 24/05/2022 |
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.
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| 8486 HIGH GOSPORT (FREEHOLDCO) LIMITED→ 16676187 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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| ABU EESA MEDICAL LTD→ 14993832 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AC HOMES LIMITED→ 16036654 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
10 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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Hope Capital 3 Hope Capital 3 Limited | A registered charge | 1 property | 10/04/2026 | — | |
| outstanding | Hope Capital 3 Hope Capital 3 Limited | A registered charge | 1 property | 10/04/2026 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 09/01/2026 | — | |
| outstanding | Molo Finance Colcap Financial UK Limited, Trading as Molo | A registered charge | 1 property | 30/09/2025 | — | |
| outstanding | Allica Bank Allica Bank Limited | A registered charge | 1 property | 30/07/2025 | — | |
| outstanding | Keystone Property Finance Keystone Property Finance Limited | A registered charge | 1 property | 29/11/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 08/08/2024 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 16/06/2023 | — |