ARCO2 ARCHITECTURE LIMITED
- · Oldest live charge 12.6y old — refinance window within 12 months
Opportunity 77/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
1 live charge · oldest 12.6y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 12.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2026-03-31 | 2025-03-31 |
|---|---|---|
| Total assets | £113.9k | £87.9k |
| Current assets | £151.3k | £172.5k |
| Cash | £61.3k | — |
| Debtors | £90.0k | — |
| Net assets | £103.7k | £82.9k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 3 persons-with-significant-control
- • 1 accounts
- • 3 persons-with-significant-control
- • 1 accounts
Corporate timeline (29 events)Click to expand
- 2026-07-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-05-07📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-05-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-05-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-01-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-12-02📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-02-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-02-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-02-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-02-13📄capital-allotment-sharescapital · SH01
- 2024-10-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-09➕ARMSTRONG, Lisa appointeddirector
- 2024-10-09➕DAVIS, Katie appointeddirector
- 2024-10-09➕DAVIS, Kelly Emma appointeddirector
- 2024-10-09➕DAVIS, Matt appointeddirector
- 2023-12-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-02-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-02-17🔓Charge satisfied #1
- 2021-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-08-12➖PENK, Martin Andrew resigneddirector
- 2014-01-06🔒Charge registered #1Lender: Lloyds Bank PLC
- 2003-11-13🏢Company incorporatedAs ARCO2 ARCHITECTURE LIMITED
- 2003-11-13➕ARMSTRONG, Ian James appointedsecretary
- 2003-11-13➕ARMSTRONG, Ian James appointeddirector
- 2003-11-13➕DAVIS, Nathan John appointeddirector
- 2003-11-13➕PENK, Martin Andrew appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primary20+ year tenure: Director in role 23 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
cleanShareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Matthew Davis Individual · British · DOB 05/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/01/2025 |
Mr Ian James Armstong Individual · British · DOB 07/1977 · age 49 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Nathan John Davis Individual · British · DOB 04/1975 · age 51 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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| AS TAX AND ACCOUNTING LTD→ 17031606 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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 →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
Registered office
Filing status
Officers (7 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 06/01/2014 | 17/02/2022 |