STEWART ACR LTD
Opportunity 73/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -67% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 7.9y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 7.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £264.0k | £187.7k |
| Current assets | £745.2k | £452.1k |
| Cash | £5.8k | £17.7k |
| Debtors | £710.6k | £408.4k |
| Net assets | £154.4k | £87.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (21 events)Click to expand
- 2025-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-16🔒Charge registered #2Lender: Lloyds Bank Commercial Finance Limited
- 2023-12-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-05-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-05-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-03-30🔓Charge satisfied #1
- 2021-12-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-26📄change-person-director-company-with-change-dateofficers · CH01
- 2020-12-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-17📄change-person-director-company-with-change-dateofficers · CH01
- 2019-12-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-06-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-06-22🔒Charge registered #1Lender: Advantedge Commercial Finance (North) Limited
- 2018-03-09🏢Company incorporatedAs STEWART ACR LTD
- 2018-03-09➕STEWART, Gregor appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "STEWART" — strong identity link between founder and business.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanGroup structure
Stewart Solutions Group Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Stewart Solutions Group Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/04/2023 |
1 historic (ceased) PSC
- Mr Gregor Stewartceased 01/04/2023· 75-100% shares · 75-100% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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.
See pricing →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
Registered office
Filing status
Officers (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank Commercial Finance Limited | A registered charge | — | 16/09/2024 | — | |
| satisfied | Advantedge Commercial Finance (North) Advantedge Commercial Finance (North) Limited | A registered charge | — | 22/06/2018 | 30/03/2022 |