ARBOUR LODGE LIMITED

🌳Matureactive

03686498 · ltd · incorporated 1998-12-21

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

—

Upgrade to see

Turnover

—

year to Jun 2025

Net worth

—

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Activities of other holding companies n.e.c.

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with exceptional profile and acceptable with review structure.

Opportunity 80/100 (exceptional), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. 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: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

6 live charges · 3 lenders · oldest 23.8y

35/100

too messy

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

· Oldest live charge is 23.8 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

6 charges (6/6 with lender, 6/6 with type)

Directors & officers

12 officers (3 active, 12 linked, 7 with DOB)

Ownership & PSC

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

Director network

13 connected companies via shared directors

Filing history

116 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

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 · accounting standard unknown

Metric	2025-06-30	2024-06-30
Average employees	2600	2600

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

🔒Filing-note intelligence

4 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

filing

• 1 confirmation-statement

Last 90 days

filings

• 1 confirmation-statement
• 1 accounts

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (48 events)Click to expand

2026-03-30
📄
accounts-with-accounts-type-small
accounts · AA
2025-04-25
📄
accounts-with-accounts-type-small
accounts · AA
2024-02-14
📄
accounts-with-accounts-type-small
accounts · AA
2023-03-23
📄
accounts-with-accounts-type-small
accounts · AA
2022-02-25
📄
accounts-with-accounts-type-small
accounts · AA
2021-03-18
📄
accounts-with-accounts-type-small
accounts · AA
2020-05-28
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2020-05-27
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2020-05-27
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2020-03-04
📄
accounts-with-accounts-type-group
accounts · AA
2019-12-18
📄
resolution
resolution · RESOLUTIONS
2019-12-18
✏️
change-of-name-notice
change-of-name · CONNOT
2019-05-10
📄
resolution
resolution · RESOLUTIONS
2019-05-10
✏️
change-of-name-notice
change-of-name · CONNOT
2019-01-18
➖
JAKHU, Saroj resigned
secretary
2019-01-18
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2019-01-15
📄
accounts-with-accounts-type-group
accounts · AA
2018-12-17
➕
JAKHU, Gulshan appointed
director
2018-11-28
➖
JAKHU, Gulshan resigned
director
2018-11-26
➕
JAKHU, Gulshan appointed
director
2015-02-25
🔓
Charge satisfied #4
2015-02-25
🔓
Charge satisfied #3
2015-02-23
🔒
Charge registered #6
Lender: The Royal Bank of Scotland PLC
2015-02-20
🔒
Charge registered #5
Lender: The Royal Bank of Scotland PLC
2012-03-26
🔓
Charge satisfied #2
2011-11-09
➖
JAKHU, Ashok Kumar Ram, Dr resigned
director
2006-11-15
➕
JAKHU, Saroj appointed
secretary
2006-11-15
➖
MOGUL FINANCIAL LIMITED resigned
corporate-secretary
2005-02-04
➖
JAKHU, Amarjit Ram resigned
director
2004-03-14
➕
JAKHU, Krishna Devi appointed
director
2004-03-14
➕
JAKHU, Amarjit Ram appointed
director
2004-03-14
➕
JAKHU, Ashok Kumar Ram, Dr appointed
director
2003-10-15
🔓
Charge satisfied #1
2003-06-10
🔒
Charge registered #4
Lender: Barclays Bank PLC
2003-05-27
🔒
Charge registered #3
Lender: Barclays Bank PLC
2002-09-05
🔒
Charge registered #2
Lender: Aib Group (UK) P.L.C.
2002-09-05
🔒
Charge registered #1
Lender: Aib Group (UK) P.L.C.
2000-03-31
➖
RUDGE, Malcolm Arthur resigned
secretary
2000-03-31
➕
MOGUL FINANCIAL LIMITED appointed
corporate-secretary
2000-03-31
➖
RUDGE, Malcolm Arthur resigned
director
1998-12-21
🏢
Company incorporated
As ARBOUR LODGE LIMITED
1998-12-21
➕
JAKHU, Saroj appointed
director
1998-12-21
➕
RUDGE, Malcolm Arthur appointed
secretary
1998-12-21
➕
ASHBURTON REGISTRARS LIMITED appointed
corporate-nominee-secretary
1998-12-21
➖
ASHBURTON REGISTRARS LIMITED resigned
corporate-nominee-secretary
1998-12-21
➕
RUDGE, Malcolm Arthur appointed
director
1998-12-21
➕
AR NOMINEES LIMITED appointed
corporate-nominee-director
1998-12-21
➖
AR NOMINEES LIMITED resigned
corporate-nominee-director

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

+Long-tenure founder: Senior director has been in place 28 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 61 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

70/100

Strong succession signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
primary20+ year tenure: Director in role 28 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 28 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 ·

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

Caram Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Caram Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

ARBOUR LODGE LIMITED

This company · 03686498

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
Caram Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	31/10/2019

1 historic (ceased) PSC

Mr Saroj Jakhuceased 31/10/2019· 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.

🔒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 · Holding company · WV postcode area

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ALVESTON HOLDINGS LIMITED→ 12320858 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
ANCHORAGE GLOBAL LIMITED→ 15271635 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ARCARE ORTON HOLDINGS LIMITED→ 15153406 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ARMOUR HOUSING GROUP CIC→ 15906126 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
AROS & AN LTD→ 16841961 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ATHWAL HOLDINGS LIMITED→ 06464989 · est 2008 · no financials extracted	—	—	—	—	18y	—	—
ATWAL PROPERTY GROUP LIMITED→ 11503358 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
BAGGERIDGE FOUR HOLDINGS LIMITED→ 16798556 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BAGRIDGE ROAD MANAGEMENT COMPANY LIMITED→ 10408299 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
BARRETT GROUP HOLDINGS LTD→ 15414339 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
BARTON GROUP HOLDING LTD→ 13222489 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
BASRAN HOLDINGS LTD→ 14150954 · est 2022 · no financials extracted	—	—	—	—	3y	—	—

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

Incorporated1998-12-21

Jurisdictionengland-wales

Primary SIC64209 — Activities of other holding companies n.e.c.

Registered office

98-100 Richmond Road

Wolverhampton

WV3 9JJ

England

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2027-06-10

Last: 2026-05-27

Officers (3 active · 9 resigned)

JAKHU, Gulshan→

director · ~34y · appointed 2018-12-17

View their other companies + combined net worth →

Active

JAKHU, Krishna Devi→

director · ~59y · appointed 2004-03-14

View their other companies + combined net worth →

Active

JAKHU, Saroj→

director · ~61y · appointed 1998-12-21

View their other companies + combined net worth →

Active

JAKHU, Saroj→

secretary · appointed 2006-11-15 · resigned 2019-01-18

Resigned

RUDGE, Malcolm Arthur→

secretary · appointed 1998-12-21 · resigned 2000-03-31

Resigned

ASHBURTON REGISTRARS LIMITED→

corporate-nominee-secretary · appointed 1998-12-21 · resigned 1998-12-21

Resigned

MOGUL FINANCIAL LIMITED→

corporate-secretary · appointed 2000-03-31 · resigned 2006-11-15

Resigned

JAKHU, Amarjit Ram→

director · ~49y · appointed 2004-03-14 · resigned 2005-02-04

Resigned

JAKHU, Ashok Kumar Ram, Dr→

director · ~43y · appointed 2004-03-14 · resigned 2011-11-09

Resigned

JAKHU, Gulshan→

director · ~34y · appointed 2018-11-26 · resigned 2018-11-28

Resigned

RUDGE, Malcolm Arthur→

director · ~76y · appointed 1998-12-21 · resigned 2000-03-31

Resigned

AR NOMINEES LIMITED→

corporate-nominee-director · appointed 1998-12-21 · resigned 1998-12-21

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:6 of 6 shown

		Type	Properties
outstanding	Lloyds Banking Group The Royal Bank of Scotland PLC	A registered charge	1 property	23/02/2015	—
outstanding	Lloyds Banking Group The Royal Bank of Scotland PLC	A registered charge	—	20/02/2015	—
satisfied	Barclays Barclays Bank PLC	Legal charge	1 property	10/06/2003	25/02/2015
satisfied	Barclays Barclays Bank PLC	Debenture	1 property	27/05/2003	25/02/2015
satisfied	Aib Group (UK) P.L.C.	Legal mortgage	2 properties	05/09/2002	26/03/2012
satisfied	Aib Group (UK) P.L.C.	Mortgage debenture	1 property	05/09/2002	15/10/2003

Click column headers to sort. Use filters above to narrow by status and lender.