ARROW COMMERCIAL LIMITED

🌳Matureactive

02283198 · ltd · incorporated 1988-08-02

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

—

Upgrade to see

Turnover

—

year to Dec 2024

Net worth

—

book net assets

Opportunity

76/100

Strong

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What this business does

Primary activity: Development of building projects

Sector: Construction

Investor take

Pursue

Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 76/100 (strong), bankability 57/100. Same-surname younger director in place — likely family handover, not open to sale. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: family or management succession (50/100).

🏦

Refinance opportunity

14 live charges · 3 lenders · oldest 25.7y

25/100

too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

· Oldest live charge is 25.7 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 50/100 (high).

Data confidence

Overall: medium (79/100)

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

Lenders & charges

14 charges (14/14 with lender, 14/14 with type)

Directors & officers

6 officers (5 active, 6 linked, 4 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

2 connected companies via shared directors

Filing history

129 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

76/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-12-31	2023-12-31
Average employees	500	500

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

filings

Last 90 days

filings

Last 180 days

filings

• 1 confirmation-statement
• 1 address

Counts from Companies House filing history.

Corporate timeline (45 events)Click to expand

2026-03-17
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-24
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-18
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-18
🔓
Charge satisfied #8
2024-09-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-02-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-09-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-28
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-12
🔒
Charge registered #14
Lender: The Santhouse Pensioneer Trust Company Limited
2023-08-01
➕
GIBBS, Gregory John Joshua appointed
director
2023-08-01
➕
GIBBS, Philippa Jane appointed
director
2022-11-29
📄
mortgage-satisfy-charge-full
mortgage · MR04
2022-11-29
🔓
Charge satisfied #3
2022-11-03
📄
mortgage-satisfy-charge-full
mortgage · MR04
2022-11-03
🔓
Charge satisfied #7
2022-09-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-03-04
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-02-28
🔒
Charge registered #13
Lender: National Westminster Bank PLC
2019-09-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-04-18
🔓
Charge satisfied #10
2015-11-25
🔓
Charge satisfied #11
2015-11-25
🔓
Charge satisfied #9
2015-08-07
🔒
Charge registered #12
Lender: National Westminster Bank PLC
2010-06-04
🔒
Charge registered #11
Lender: National Westminster Bank PLC
2009-07-17
🔒
Charge registered #10
Lender: National Westminster Bank PLC
2009-05-15
🔒
Charge registered #9
Lender: National Westminster Bank PLC
2009-05-15
🔒
Charge registered #8
Lender: National Westminster Bank PLC
2009-05-15
🔒
Charge registered #7
Lender: National Westminster Bank PLC
2006-02-10
🔒
Charge registered #6
Lender: The Governor and Company of the Bank of Scotland
2005-05-10
🔓
Charge satisfied #4
2005-04-07
🔒
Charge registered #5
Lender: The Governor and Company of the Bank of Scotland
2004-03-11
🔓
Charge satisfied #2
2004-03-11
🔓
Charge satisfied #1
2004-01-30
🔒
Charge registered #4
Lender: The Governor and Company of the Bank of Scotland
2004-01-23
🔒
Charge registered #3
Lender: The Governor and Company of the Bank of Scotland
2001-06-26
🔒
Charge registered #2
Lender: National Westminster Bank PLC
2000-11-23
🔒
Charge registered #1
Lender: National Westminster Bank PLC
1994-10-24
➕
GIBBS, Valerie Margaret appointed
secretary
1994-10-24
➖
LANGRIDGE BROWN, Gary Mark resigned
secretary
1994-08-24
➕
GIBBS, Valerie Margaret appointed
director
1988-08-02
🏢
Company incorporated
As ARROW COMMERCIAL LIMITED

Owner dependency

73/100

High — earn-out structure required

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 66 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

40/100

Moderate signal

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

SIGNALS

primaryFamily succession underway: Not a takeover target — GIBBS, Gregory John Joshua (same surname) appointed 2023-08-01. Pattern consistent with intra-family handover.
primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
primary20+ year tenure: Director in role 32 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 38 years old and no new directors in the last 3 years — succession not yet being planned internally.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med · 2 low

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.

5 live charges

low

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

Multiple registered office changes

low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Philip Gibbs Individual · British · DOB 01/1961 · age 65	25–50%	—	25-50% shares	06/04/2016
Mrs Valerie Margaret Gibbs Individual · British · DOB 08/1960 · age 66	25–50%	—	25-50% shares	06/04/2016

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 →

Similar companies

Active · Construction · DL postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
A WAKE JOINERY LTD→ 15101194 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
A-VISION PLUMBING LTD→ 14230694 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
ANDY HADDEN LANDSCAPING & BUILDING SERVICES LTD→ 15476588 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
ANJ BUILDERS NE LTD→ 15175536 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ARF PLUMBING AND HEATING LTD→ 11254209 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
ARGYLE SQUARE DEVELOPMENTS LIMITED→ 05365292 · est 2005 · no financials extracted	—	—	—	—	21y	—	—
ARMIGER JOINERY LIMITED→ 05276017 · est 2004 · no financials extracted	—	—	—	—	21y	—	—
ARMSTRONG BUILDING SERVICES LIMITED→ 15433069 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
ARNIES PLUMBING SERVICES LTD→ 15619400 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
ARPENT LIMITED→ 16126505 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ARTHUR COATES PLUMBING & HEATING LTD→ 16951843 · est 2026 · no financials extracted	—	—	—	—	—	—	—
AS PLASTERERS LTD→ 14119242 · est 2022 · no financials extracted	—	—	—	—	3y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

8 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.

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Company details

Statusactive

Typeltd

Incorporated1988-08-02

Jurisdictionengland-wales

Primary SIC41100 — Development of building projects

Registered office

20 High Street

Witton Le Wear

Bishop Auckland

DL14 0AY

England

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-04-09

Last: 2026-03-26