ACAI FINANCE LTD

🌿Early-stageactive
14459453 · ltd · incorporated 2022-11-02
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 Feb 2025
Net worth
book net assets
Opportunity
76/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 76/100 (strong), bankability 70/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (75/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
31 connected companies via shared directors
90
Filing history
7 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
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.

Key financials

1 year extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-02-28
Average employees400

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

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (9 events)Click to expand
  1. 2025-11-24
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  2. 2024-08-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2022-11-15
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  4. 2022-11-02
    🏢
    Company incorporated
    As ACAI FINANCE LTD
  5. 2022-11-02
    DALAH, Annette Jill appointed
    director
  6. 2022-11-02
    GABBAY, Alan appointed
    director
  7. 2022-11-02
    GABBAY, David Selim, Dr appointed
    director
  8. 2022-11-02
    HANOUKA, Caroline appointed
    director
  9. 2022-11-02
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

63/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 82 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

20/100
No succession signal

No meaningful acquirability indicators from public data.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — GABBAY, Alan (same surname) appointed 2022-11-02. Pattern consistent with intra-family handover.
  • primaryFounder aged 70+: Senior director is approximately 82 years old. Natural succession window is now.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Acai Group Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Acai Group Holdings Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
ACAI FINANCE LTD
This company · 14459453

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%
NameSharesVoting rightsNature of controlNotified
Acai Group Holdings Limited
Corporate entity
75100%
75–100%board control75-100% shares · 75-100% voting · board control02/11/2022

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 · W postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
360-EQUITY LIMITED
11971621 · est 2019 · no financials extracted
6y
4TALL TREES LIMITED
13922681 · est 2022 · no financials extracted
4y
AARON CAPITAL MANAGEMENT LIMITED
05456660 · est 2005 · no financials extracted
20y
ABBEY LENDING I LIMITED
14260381 · est 2022 · no financials extracted
3y
ABSOLUTE GLOBAL SOLUTIONS LIMITED
04275915 · est 2001 · no financials extracted
24y
ABT CAPITAL LIMITED
10651236 · est 2017 · no financials extracted
9y
ABYSSINIA BUSINESS GROUP LTD
17088597 · est 2026 · no financials extracted
ACALTON LIMITED
14141810 · est 2022 · no financials extracted
3y
ACANTHUS U.S. LTD
14989549 · est 2023 · no financials extracted
2y
ACCEL PARTNERS LIMITED
04033881 · est 2000 · no financials extracted
25y
ACCESS EQUITY MANAGEMENT LIMITED
04077379 · est 2000 · no financials extracted
25y
ACCESS SELF STORAGE (INSURANCE ADMINISTRATION) LIMITED
05118837 · est 2004 · no financials extracted
21y
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
Incorporated2022-11-02
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies

Registered office

8 Sackville Street
London
W1S 3DG
United Kingdom

Filing status

Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2026-11-15
Last: 2025-11-01

Officers (4 active · 0 resigned)

DALAH, Annette Jill
director · ~49y · appointed 2022-11-02
View their other companies + combined net worth →
Active
GABBAY, Alan
director · ~42y · appointed 2022-11-02
View their other companies + combined net worth →
Active
GABBAY, David Selim, Dr
director · ~82y · appointed 2022-11-02
View their other companies + combined net worth →
Active
HANOUKA, Caroline
director · ~47y · appointed 2022-11-02
View their other companies + combined net worth →
Active

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

Recent filings (7 total)

accounts-with-accounts-type-dormant
accounts · AA
2025-11-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-06
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-06
change-account-reference-date-company-current-extended
accounts · AA01
2022-11-15
incorporation-company
incorporation · NEWINC
2022-11-02