ACP LENDING 3 LIMITED
🌿Early-stageactive
14306187 · ltd · incorporated 2022-08-19
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 3.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
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 acceptable with review structure.
Opportunity 72/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 3.5y
60/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Charge age ~3.5 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
5 officers (4 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
13 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2025-12-04📄accounts-with-accounts-type-fullaccounts · AA
- 2025-08-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-18🔒Charge registered #3Lender: Hsbc Corporate Trustee Company (UK) Limited (the "Security Agent")
- 2025-02-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-20🔒Charge registered #2Lender: Hsbc Corporate Trustee Company (UK) Limited (the "Security Agent")
- 2024-11-12📄accounts-with-accounts-type-fullaccounts · AA
- 2024-02-07➕MCGRATH, Catherine Mary Elizabeth appointeddirector
- 2024-02-07➖NASATO, Lara resigneddirector
- 2024-02-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-02-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-01-04📄accounts-with-accounts-type-smallaccounts · AA
- 2022-11-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-16🔒Charge registered #1Lender: Hsbc Corporate Trustee Company (UK) Limited Acting as Security Agent
- 2022-08-26📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2022-08-19🏢Company incorporatedAs ACP LENDING 3 LIMITED
- 2022-08-19➕CSC CORPORATE SERVICES (UK) LIMITED appointedcorporate-secretary
- 2022-08-19➕CSC DIRECTORS (NO.1) LIMITED appointedcorporate-director
- 2022-08-19➕CSC DIRECTORS (NO.2) LIMITED appointedcorporate-director
- 2022-08-19➕NASATO, Lara appointeddirector
- 2022-08-19📄incorporation-companyincorporation · NEWINC
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder name in company name: Company name contains director surname "LIMITED" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Csc Corporate Services (Uk) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Csc Corporate Services (Uk) Limited
Corporate parent · holds 75-100% shares · board control
⬇
ACP LENDING 3 LIMITED
This company · 14306187
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Csc Corporate Services (Uk) Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 19/08/2022 |
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 · E postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 121 FINANCIAL SOLUTIONS LTD→ 16992858 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 144 MURCHISON ROAD LTD→ 13293687 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 21 FINANCE & ASSOCIATES LTD→ 14119356 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 258 CAPITAL LIMITED→ 16051762 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A.BILBROUGH & CO.LIMITED→ 00116377 · est 1911 · no financials extracted | — | — | — | — | 114y | — | — |
| ABSOLUTE FINANCE LIMITED→ 07570340 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| AC INVESTMENTS LTD→ 13314944 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ACE MORTGAGE FINDER LIMITED→ 11035277 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ACO GREEN 1 LTD→ 13199424 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ACO RENAISSANCE 1 LTD→ 13691839 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ACQUIRE YOUR BUSINESS LIMITED→ 07178722 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| ACR→ 00985677 · est 1970 · no financials extracted | — | — | — | — | 55y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2022-08-19
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
10th Floor 5 Churchill Place
London
E14 5HU
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-06-16
Last: 2025-06-02
Officers (4 active · 1 resigned)
CSC CORPORATE SERVICES (UK) LIMITED→
Activecorporate-secretary · appointed 2022-08-19
View their other companies + combined net worth →
MCGRATH, Catherine Mary Elizabeth→
Activedirector · ~37y · appointed 2024-02-07
View their other companies + combined net worth →
CSC DIRECTORS (NO.1) LIMITED→
Activecorporate-director · appointed 2022-08-19
View their other companies + combined net worth →
CSC DIRECTORS (NO.2) LIMITED→
Activecorporate-director · appointed 2022-08-19
View their other companies + combined net worth →
NASATO, Lara→
Resigneddirector · ~42y · appointed 2022-08-19 · resigned 2024-02-07
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc Corporate Trustee Company (UK) Limited (the "Security Agent") | A registered charge | 1 property | 18/08/2025 | — | |
| outstanding | HSBC Hsbc Corporate Trustee Company (UK) Limited (the "Security Agent") | A registered charge | 1 property | 20/02/2025 | — | |
| outstanding | HSBC Hsbc Corporate Trustee Company (UK) Limited Acting as Security Agent | A registered charge | 1 property | 16/11/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (13 total)
accounts-with-accounts-type-full
accounts · AA
2025-12-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-21
accounts-with-accounts-type-full
accounts · AA
2024-11-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-25
appoint-person-director-company-with-name-date
officers · AP01
2024-02-07
termination-director-company-with-name-termination-date
officers · TM01
2024-02-07
accounts-with-accounts-type-small
accounts · AA
2024-01-04
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-11-18
change-account-reference-date-company-current-shortened
accounts · AA01
2022-08-26
incorporation-company
incorporation · NEWINC
2022-08-19