ARENA INVESTMENT MANAGEMENT LIMITED

🌳Matureactive
00666518 · ltd · incorporated 1960-08-02
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
£998.2k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and acceptable with review structure.

Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (70/100, director aged 58). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

5 live charges · 3 lenders · oldest 30.7y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 30.7 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (78/100)

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
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
16 officers (3 active, 16 linked, 7 with DOB)
79
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
149 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £998,175
Cash YoY
+17%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£264k
↑ 17% YoY
Net Worth
£998k
↑ 6.1% YoY
Current Assets
£1.1m
↑ 7.7% YoY
Current Liabilities
—
£0£219k£438k£657k£876k£1.1mSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-302023-09-30
Total assets£999.5k£941.9k
Current assets£1.10M£1.02M
Cash£264.2k£226.8k
Debtors£830.8k£790.2k
Net assets£998.2k£941.2k

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

🔒Filing-note intelligence

2 signals 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 (53 events)Click to expand
  1. 2025-06-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-05-08
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  4. 2024-04-30
    ➕
    CONNOR, Ian James appointed
    director
  5. 2023-10-30
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2023-10-30
    🔓
    Charge satisfied #1
  7. 2023-08-15
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2023-08-15
    🔒
    Charge registered #5
    Lender: Lloyds Bank PLC
  9. 2023-08-04
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2023-08-04
    🔒
    Charge registered #4
    Lender: Lloyds Bank PLC
  11. 2023-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2022-06-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-07-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2021-07-05
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  15. 2021-04-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  16. 2021-04-15
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  17. 2021-04-15
    🔓
    Charge satisfied #3
  18. 2021-04-15
    🔓
    Charge satisfied #2
  19. 2021-04-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2020-10-22
    📄
    change-person-director-company-with-change-date
    officers · CH01
  21. 2020-10-22
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  22. 2020-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2019-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2019-04-02
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  25. 2019-04-01
    ➕
    PENROSE, Stephen James appointed
    secretary
  26. 2019-04-01
    ➖
    WILKINSON, Pauline resigned
    secretary
  27. 2010-06-14
    ➖
    PENROSE, Antony John resigned
    secretary
  28. 2010-06-14
    ➕
    WILKINSON, Pauline appointed
    secretary
  29. 2008-05-08
    🔒
    Charge registered #3
    Lender: Lloyds Tsb Bank PLC
  30. 2008-03-17
    🔒
    Charge registered #2
    Lender: Lloyds Tsb Bank PLC
  31. 1997-06-25
    ➖
    BLACKWELL, Pamela resigned
    secretary
  32. 1997-06-25
    ➕
    PENROSE, Antony John appointed
    secretary
  33. 1996-11-07
    ➖
    MC DONALD, Julie Ann resigned
    director
  34. 1995-12-21
    ➖
    MCGINTY, Vincent Joseph resigned
    director
  35. 1995-09-22
    ➕
    PENROSE, Stephen James appointed
    director
  36. 1995-09-22
    ➕
    BLACKWELL, Pamela appointed
    secretary
  37. 1995-09-22
    ➖
    PRESTON, David James resigned
    secretary
  38. 1995-09-22
    ➕
    MC DONALD, Julie Ann appointed
    director
  39. 1995-09-22
    ➖
    IBH HOLDINGS LIMITED resigned
    corporate-director
  40. 1995-09-22
    🔒
    Charge registered #1
    Lender: Midland Bank PLC
  41. 1995-06-08
    ➖
    MCGINTY, Patricia Ann resigned
    secretary
  42. 1995-06-08
    ➕
    PRESTON, David James appointed
    secretary
  43. 1995-06-08
    ➕
    IBH HOLDINGS LIMITED appointed
    corporate-director
  44. 1992-10-28
    ➖
    COPE, Frank resigned
    secretary
  45. 1992-10-28
    ➖
    HINDLEY, John Harold resigned
    director
  46. 1992-10-28
    ➖
    SHONE, Stephen resigned
    director
  47. 1992-10-27
    ➕
    MCGINTY, Patricia Ann appointed
    secretary
  48. 1992-02-01
    ➕
    COPE, Frank appointed
    secretary
  49. 1992-02-01
    ➕
    HINDLEY, John Harold appointed
    director
  50. 1992-02-01
    ➖
    MCNEILL, Gordon Mckillop resigned
    director
Showing most recent 50 of 53 events

Owner dependency

76/100
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.
  • +Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

66/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 31 years. Very long tenure is a classic succession signal.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

Pensvale (North) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Pensvale (North) Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
ARENA INVESTMENT MANAGEMENT LIMITED
This company · 00666518

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
Pensvale (North) Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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

6 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
Incorporated1960-08-02
Jurisdictionengland-wales
Primary SIC65110 — Life insurance

Registered office

71 Liverpool Old Road
Walmer Bridge
Preston
Lancashire
PR4 5QE

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-07-25
Last: 2025-07-11

Officers (3 active · 13 resigned)

PENROSE, Stephen James→
secretary · appointed 2019-04-01
View their other companies + combined net worth →
Active
CONNOR, Ian James→
director · ~42y · appointed 2024-04-30
View their other companies + combined net worth →
Active
PENROSE, Stephen James→
director · ~58y · appointed 1995-09-22
View their other companies + combined net worth →
Active
BLACKWELL, Pamela→
secretary · appointed 1995-09-22 · resigned 1997-06-25
Resigned
COPE, Frank→
secretary · appointed 1992-02-01 · resigned 1992-10-28
Resigned
MCGINTY, Patricia Ann→
secretary · appointed 1992-10-27 · resigned 1995-06-08
Resigned
PENROSE, Antony John→
secretary · appointed 1997-06-25 · resigned 2010-06-14
Resigned
PRESTON, David James→
secretary · appointed 1995-06-08 · resigned 1995-09-22
Resigned
SHONE, Stephen→
secretary · resigned 1992-01-27
Resigned
WILKINSON, Pauline→
secretary · appointed 2010-06-14 · resigned 2019-04-01
Resigned
HINDLEY, John Harold→
director · ~78y · appointed 1992-02-01 · resigned 1992-10-28
Resigned
MC DONALD, Julie Ann→
director · ~61y · appointed 1995-09-22 · resigned 1996-11-07
Resigned
MCGINTY, Vincent Joseph→
director · ~95y · appointed 1987-09-01 · resigned 1995-12-21
Resigned
MCNEILL, Gordon Mckillop→
director · ~81y · resigned 1992-02-01
Resigned
SHONE, Stephen→
director · ~69y · resigned 1992-10-28
Resigned
IBH HOLDINGS LIMITED→
corporate-director · appointed 1995-06-08 · resigned 1995-09-22
Resigned

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

Mortgages & charges

5
Total charges
2
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
Lloyds Banking Group
Lloyds Bank PLC
A registered charge—15/08/2023—
outstanding
Lloyds Banking Group
Lloyds Bank PLC
A registered charge—04/08/2023—
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Mortgage1 property08/05/200815/04/2021
satisfied
Lloyds Banking Group
Lloyds Tsb Bank PLC
Debenture1 property17/03/200815/04/2021
satisfied
Midland Bank
Midland Bank PLC
Fixed and floating charge1 property22/09/199530/10/2023
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (149 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-27
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-26
appoint-person-director-company-with-name-date
officers · AP01
2024-05-08
mortgage-satisfy-charge-full
mortgage · MR04
2023-10-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-08-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-26
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-27
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-12
change-person-director-company-with-change-date
officers · CH01
2021-07-05
change-person-secretary-company-with-change-date
officers · CH03
2021-07-05