ACJC LTD

🌿Early-stageactive
14930136 · ltd · incorporated 2023-06-12
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
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Turnover
year to Jun 2025
Net worth
£-64.8k
book net assets
Opportunity
60/100
Worth a look
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
  • 68320Management of real estate on a fee or contract basis
Investor take
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 60/100 (worth a look), bankability 50/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -84% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

5 live charges · 2 lenders · oldest 1.9y

0/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Newest facility, 1.9 years old — likely still in initial term.
  • · Two lenders — manageable, but coordination required.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (82/100)

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

Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
12 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
40
Concerning — overdue filings or status flags present.
Acquirability
55
Some acquirability indicators.
Risk profile
64
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £64,755
Cash draining
Cash down 84% YoY
Cash YoY
-84%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£14k
↓ 84% YoY
Net Worth
-£65k
↓ 40% YoY
Current Assets
£306k
↑ 25% YoY
Current Liabilities
-£65k£9k£84k£158k£232k£306kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-06-302024-06-30
Total assets£459.4k£-46.3k
Current assets£306.1k£244.0k
Cash£13.9k£89.5k
Debtors£292.1k£154.5k
Net assets£-64.8k£-46.3k

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
2
filings
  • 1 persons-with-significant-control
  • 1 officers
Last 90 days
2
filings
  • 1 persons-with-significant-control
  • 1 officers
Last 180 days
3
filings
  • 1 persons-with-significant-control
  • 1 officers
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
  1. 2026-07-16
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2026-07-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2026-03-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-11-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2025-11-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2025-10-24
    🔒
    Charge registered #5
    Lender: Hampshire Trust Bank PLC
  7. 2025-10-24
    🔒
    Charge registered #4
    Lender: Hampshire Trust Bank PLC
  8. 2025-03-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2025-02-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2025-01-30
    🔒
    Charge registered #3
    Lender: Paratus Amc Limited
  11. 2024-08-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2024-08-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2024-08-09
    🔒
    Charge registered #2
    Lender: Hampshire Trust Bank PLC
  14. 2024-08-09
    🔒
    Charge registered #1
    Lender: Hampshire Trust Bank PLC
  15. 2023-06-12
    🏢
    Company incorporated
    As ACJC LTD
  16. 2023-06-12
    CURRY, Aran Robert appointed
    director
  17. 2023-06-12
    CURRY, Joshua Thomas appointed
    director
  18. 2023-06-12
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

66/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

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: 2026-06-25

5 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Joshua Thomas Curry
Individual · British · DOB 02/2000 · age 26
2550%
25–50%board control25-50% shares · 25-50% voting · board control12/06/2023
Mr Aran Robert Curry
Individual · British · DOB 06/1973 · age 53
2550%
25–50%board control25-50% shares · 25-50% voting · board control12/06/2023

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

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 →
🔒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
Incorporated2023-06-12
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate

Registered office

25-29 Sandy Way Yeadon
Leeds
LS19 7EW
England

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-06-25OVERDUE
Last: 2025-06-11

Officers (2 active · 0 resigned)

CURRY, Aran Robert
director · ~53y · appointed 2023-06-12
View their other companies + combined net worth →
Active
CURRY, Joshua Thomas
director · ~26y · appointed 2023-06-12
View their other companies + combined net worth →
Active

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

Mortgages & charges

5
Total charges
5
Outstanding
2
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
Hampshire Trust Bank
Hampshire Trust Bank PLC
A registered charge24/10/2025
outstanding
Hampshire Trust Bank
Hampshire Trust Bank PLC
A registered charge2 properties24/10/2025
outstanding
Paratus Amc
Paratus Amc Limited
A registered charge1 property30/01/2025
outstanding
Hampshire Trust Bank
Hampshire Trust Bank PLC
A registered charge1 property09/08/2024
outstanding
Hampshire Trust Bank
Hampshire Trust Bank PLC
A registered charge09/08/2024
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (12 total)

change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-07-16
change-person-director-company-with-change-date
officers · CH01
2026-07-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-19
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-11
incorporation-company
incorporation · NEWINC
2023-06-12