ACL FINANCIAL GROUP INTERNACIONAL LTD

🌱Startupactive
16102642 · ltd · incorporated 2024-11-26
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
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Turnover
year to Nov 2025
Net worth
£3.0k
book net assets
Opportunity
70/100
Strong
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What this business does
Primary activity: Building societies
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 64205Activities of financial services holding companies
  • 64999Financial intermediation not elsewhere classified
  • 66190Other activities auxiliary to financial services, except insurance and pension funding
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and acceptable with review structure.

Opportunity 70/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: medium (67/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 4 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
2 officers (2 active, 2 linked, 1 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
3 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £3,000

Key financials

1 year extracted from filed iXBRL accounts
Cash
Net Worth
£3k
Current Assets
£30k
Current Liabilities

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-11-30
Total assets£30.2k
Current assets£30.2k
Net assets£3.0k

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (5 events)Click to expand
  1. 2025-12-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-11-26
    🏢
    Company incorporated
    As ACL FINANCIAL GROUP INTERNACIONAL LTD
  3. 2024-11-26
    DORESTE DELGADO, Juan Francisco appointed
    secretary
  4. 2024-11-26
    DORESTE DELGADO, Juan Francisco appointed
    director
  5. 2024-11-26
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

80/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Young company: Only 1.5 years old — management layer unlikely to be developed.

Succession & seller-readiness

45/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

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

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Juan Francisco Doreste Delgado
Individual · Spanish · DOB 12/1975 · age 51
75100%
75–100%board control75-100% shares · 75-100% voting · board control26/11/2024

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
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8 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.

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Company details

Statusactive
Typeltd
Incorporated2024-11-26
Jurisdictionengland-wales
Primary SIC64192 — Building societies

Registered office

128 City Road
London
EC1V 2NX
United Kingdom

Filing status

Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2026-12-09
Last: 2025-11-25

Officers (2 active · 0 resigned)

DORESTE DELGADO, Juan Francisco
secretary · appointed 2024-11-26
View their other companies + combined net worth →
Active
DORESTE DELGADO, Juan Francisco
director · ~51y · appointed 2024-11-26
View their other companies + combined net worth →
Active

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

Recent filings (3 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-17
accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-03
incorporation-company
incorporation · NEWINC
2024-11-26