ARNOLD COMMERCIAL FINANCE LIMITED
🌳Matureactive
02535241 · ltd · incorporated 1990-08-29
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 35.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£7.9k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 67-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (78/100, director aged 67). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 35.7y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 35.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (77/100)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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 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
111 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £7,942
Net assets shrinking
Down £9,095 YoY
Cash YoY
+15%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£12k
↑ 15% YoY
Net Worth
£8k
↓ 53% YoY
Current Assets
£22k
↓ 47% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £7.9k | £24.7k |
| Current assets | £21.9k | £41.2k |
| Cash | £11.8k | £10.3k |
| Debtors | £1.0k | £15.0k |
| Net assets | £7.9k | £17.0k |
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 (27 events)Click to expand
- 2025-10-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-11-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-31➕ARNOLD, Lynette Gillian appointeddirector
- 2024-01-31📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-08-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-09-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-01-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-11-03📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-09-09📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-04-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2007-09-28➕ARNOLD, Lynette Gillian appointedsecretary
- 2007-09-28➖KNOTT, Jeremy Mark resignedsecretary
- 2003-03-28➖GRAVES, Debbie Louise resigneddirector
- 2002-08-01➕GRAVES, Debbie Louise appointeddirector
- 1997-07-09➖ARNOLD, Wendy Louise resignedsecretary
- 1997-07-09➕KNOTT, Jeremy Mark appointedsecretary
- 1995-06-21🔓Charge satisfied #2
- 1994-06-16🔓Charge satisfied #1
- 1994-02-07🔒Charge registered #2Lender: Tsb Bank PLC
- 1990-09-27🔒Charge registered #1Lender: National Westminster Bank PLC
- 1990-08-29🏢Company incorporatedAs ARNOLD COMMERCIAL FINANCE LIMITED
Owner dependency
96/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "ARNOLD" — strong identity link between founder and business.
- +Founder age: Director aged approximately 67 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo 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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Christopher Eric Arnold Individual · British · DOB 06/1959 · age 67 | 75–100% | — | 75-100% shares | 14/08/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| 1ST FINANCIAL GROUP LIMITED→ 04206886 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
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| ALPHA FINANCIAL CONSULTANTS (SOMERSET) LTD→ 06038087 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
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| AMHERST & SHAPLAND LIMITED→ 06141451 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| APEX FUNDING LIMITED→ 16359531 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ARCHGOLD INVESTMENTS LTD→ 05465594 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ASHLEY COLMAN WEALTH MANAGEMENT (IFA) LTD.→ 07559391 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
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.
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
Incorporated1990-08-29
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
3 Pound Orchard
Crowcombe
Taunton
TA4 4AR
England
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-08-03
Last: 2025-07-20
Officers (3 active · 3 resigned)
ARNOLD, Lynette Gillian→
Activesecretary · appointed 2007-09-28
View their other companies + combined net worth →
Active
ARNOLD, Lynette Gillian→
Activedirector · ~55y · appointed 2024-01-31
View their other companies + combined net worth →
ARNOLD, Wendy Louise→
Resignedsecretary · resigned 1997-07-09
KNOTT, Jeremy Mark→
Resignedsecretary · appointed 1997-07-09 · resigned 2007-09-28
GRAVES, Debbie Louise→
Resigneddirector · ~50y · appointed 2002-08-01 · resigned 2003-03-28
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Tsb Bank PLC | Mortgage debenture | 1 property | 07/02/1994 | 21/06/1995 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 27/09/1990 | 16/06/1994 |
Recent filings (111 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-04
appoint-person-director-company-with-name-date
officers · AP01
2024-01-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-23
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-08-18
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-02
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-08
confirmation-statement-with-updates
confirmation-statement · CS01
2020-08-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-09-13