AC ALTO B LIMITED

🌱Startupactive
16768785 · ltd · incorporated 2025-10-07
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
not disclosed
Net worth
book net assets
Opportunity
76/100
Strong
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What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 76/100 (strong), bankability 65/100. 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).

Data confidence

Overall: medium (59/100)

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
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
3 active PSC(s) of 4 total, 4 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
3 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.

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 (7 events)Click to expand
  1. 2025-10-24
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  2. 2025-10-24
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  3. 2025-10-07
    🏢
    Company incorporated
    As AC ALTO B LIMITED
  4. 2025-10-07
    COLLETT, Samuel James appointed
    director
  5. 2025-10-07
    LOWE, Jamieson William George appointed
    director
  6. 2025-10-07
    TOUCHE, Peter Francis appointed
    director
  7. 2025-10-07
    📄
    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
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.
  • +Young company: Only 0.7 years old — management layer unlikely to be developed.

Succession & seller-readiness

40/100
Moderate signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.

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

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Samuel James Collett
Individual · British · DOB 10/1980 · age 46
2550%
25–50%25-50% shares · 25-50% voting07/10/2025
Mr Peter Francis Touche
Individual · British · DOB 10/1968 · age 58
2550%
25–50%25-50% shares · 25-50% voting07/10/2025
Jamieson William George Lowe
Individual · British · DOB 11/1968 · age 58
2550%
25–50%25-50% shares · 25-50% voting07/10/2025
1 historic (ceased) PSC
  • Ac Alto Limitedceased 07/10/2025· 75-100% shares

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.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

7 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.

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🔒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.

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Company details

Statusactive
Typeltd
Incorporated2025-10-07
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.

Registered office

C/O Flb Accountants Llp 1010 Eskdale Road
Winnersh Triangle
Wokingham
Berkshire
RG41 5TS
England

Filing status

Accounts
Next due: 2027-07-07
Last made up to:
Confirmation statement
Next due: 2026-10-20
Last:

Officers (3 active · 0 resigned)

COLLETT, Samuel James
director · ~46y · appointed 2025-10-07
View their other companies + combined net worth →
Active
LOWE, Jamieson William George
director · ~58y · appointed 2025-10-07
View their other companies + combined net worth →
Active
TOUCHE, Peter Francis
director · ~58y · appointed 2025-10-07
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)

cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-10-24
change-account-reference-date-company-current-extended
accounts · AA01
2025-10-24
incorporation-company
incorporation · NEWINC
2025-10-07