AR PENSION TRUSTEES LIMITED

🌳Matureactive

03931154 · ltd · incorporated 2000-02-17

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.

Why now

Window closing · medium confidence

Getting harder to buy cheaply — 1 signals strengthening over the last 30 days.

· Hygiene score: 77 → 82

What changed my view

Last 30 days

Picture improved over the last 30 days — 1 positive signal vs 0 negative.

↑Hygiene score: 77 → 82

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to May 2025

Net worth

—

book net assets

Opportunity

75/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 75/100 (strong), bankability 57/100. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).

🏦

Refinance opportunity

15 live charges · 6 lenders · oldest 20.3y

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 20.3 years old — likely at or near maturity.
· 6 lenders named — inter-creditor friction likely.
· Legal-friction score 63/100 (high).

Data confidence

Overall: high (84/100)

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

15 charges (15/15 with lender, 15/15 with type)

Directors & officers

73 officers (21 active, 73 linked, 63 with DOB)

Ownership & PSC

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

Director network

19 connected companies via shared directors

Filing history

217 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

75/100Strong

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	2025-05-31	2024-05-31

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

Recent activity

Last 30 days

filing

• 1 officers

Last 90 days

filings

• 6 officers

Last 180 days

filings

• 6 officers
• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (164 events)Click to expand

2026-07-24
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-06-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-06-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-06-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-05-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-05-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-04-14
➕
CHAUHAN-TINKORY, Arti Ramnik appointed
director
2026-04-14
➕
COOPER, Lydia Karis appointed
director
2026-04-14
➕
JACKSON, Alison Jayne appointed
director
2026-04-14
➕
LOVELL, Joseph Michael appointed
director
2026-04-14
➕
MCNEIL, Adam James appointed
director
2026-04-14
➕
WARD, Olivia Grace appointed
director
2026-02-20
📄
accounts-with-accounts-type-dormant
accounts · AA
2025-09-24
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-09-18
📄
change-person-director-company-with-change-date
officers · CH01
2025-07-03
➖
SANDERSON, Patrick John resigned
director
2025-05-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-04-30
➖
HARRISON, Lianne Emma resigned
director
2025-03-13
📄
accounts-with-accounts-type-dormant
accounts · AA
2025-02-21
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-02-20
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-01-08
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-07-31
➖
RIXON, Jeremy James resigned
director
2024-04-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-04-09
➖
SEBASTIANELLI, Julie Patricia resigned
director
2024-02-21
📄
accounts-with-accounts-type-dormant
accounts · AA
2023-02-22
📄
accounts-with-accounts-type-dormant
accounts · AA
2023-02-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-02-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-02-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-02-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-02-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-02-13
➕
FISH, Charlotte Louise appointed
director
2023-02-13
➕
KILNER, Claire Louise appointed
director
2023-02-13
➕
MASON, Simon David appointed
director
2023-02-13
➕
PENNICK, Elizabeth appointed
director
2023-02-13
➕
TURLINGTON, Charlotte appointed
director
2023-02-13
➕
WATTS, Vicky Marie appointed
director
2023-01-02
➖
GOUGH, Thomas Daniel resigned
director
2022-11-16
➖
CHAMBERS, Allison Carole resigned
director
2022-11-16
➖
GALWAY, Michael Gerard resigned
director
2022-01-04
➖
TREADWELL, Fiona Marion resigned
director
2021-07-29
➕
NORTH, Katrina Marie appointed
director
2021-07-29
➕
POTTER, Louise Ashley appointed
director
2021-07-29
➕
STETTNER, Karen Louise appointed
director
2021-07-29
➕
CHAMBERS, Allison Carole appointed
director
2021-07-29
➕
GALWAY, Michael Gerard appointed
director
2021-07-29
➖
JOSHI, Sarah Louise resigned
director
2021-07-29
➖
KEATLEY, Louise Julie resigned
director
2021-07-29
➖
LOVETT, Clare Louise resigned
director

Showing most recent 50 of 164 events

Owner dependency

48/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-21 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 60 — approaching natural succession window.

Succession & seller-readiness

53/100

Moderate signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
secondary12+ year tenure: Director in role 13 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 low

14 live charges

low

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

Group structure

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

🏛️

Mattioli Woods Limited

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

ultimate parent

⬇

AR PENSION TRUSTEES LIMITED

This company · 03931154

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
Mattioli Woods Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	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

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BLU NOVA TRADING LTD→ 16570519 · est 2025 · no financials extracted	—	—	—	—	—	—	—
CAUSON BUSINESS FINANCE LIMITED→ 15888072 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
CLEAR FINANCIAL (LEICESTER) LTD→ 11826936 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
CORPORATE ADVICE & SOLUTIONS (UK) LTD→ 11771187 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
COX COMMERCIAL INVESTMENTS LTD→ 09813413 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
CRANWOOD MORTGAGE SERVICES LIMITED→ 06501996 · est 2008 · no financials extracted	—	—	—	—	18y	—	—
CRK COMMERCIAL INSURANCE SERVICES LIMITED→ 04639065 · est 2003 · no financials extracted	—	—	—	—	23y	—	—
CROSSROADS FINANCE LIMITED→ 11739393 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
CROWNHOUSE IFAS LIMITED→ 04714105 · est 2003 · no financials extracted	—	—	—	—	23y	—	—
CRYPTOGREEN LTD→ 13655232 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
CUBE-INTERMEDIARY LTD→ 08451452 · est 2013 · no financials extracted	—	—	—	—	13y	—	—
CW 2016 LIMITED→ 10338014 · est 2016 · no financials extracted	—	—	—	—	9y	—	—

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

Incorporated2000-02-17

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

1 New Walk Place

Leicester

LE1 6RU

United Kingdom

Filing status

Accounts

Next due: 2027-02-28

Last made up to: 2025-05-31

Confirmation statement

Next due: 2027-02-08

Last: 2026-01-25