ARBOUR TIDE LIMITED
- · Oldest live charge 16.7y old — refinance window within 12 months
Opportunity 69/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
5 live charges · oldest 16.7y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 16.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover 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 | 20 | 2000 |
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
Corporate timeline (35 events)Click to expand
- 2025-12-19📄replacement-filing-of-director-appointment-with-nameofficers · RP01AP01
- 2025-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-09-16✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-09-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-01🔒Charge registered #5Lender: The Royal Bank of Scotland PLC
- 2025-07-03📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-06📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-11➖LUNT, Corinne resignedsecretary
- 2024-10-11📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-10-11📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-10-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-10-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-08➕LUNT, Sara appointeddirector
- 2024-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-30➖LUNT, Simon resigneddirector
- 2023-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-11-04📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2019-06-28➕LUNT, Daniel appointeddirector
- 2014-08-29🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 2013-07-04🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2011-04-28🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2009-10-23🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2006-07-17🏢Company incorporatedAs ARBOUR TIDE LIMITED
- 2006-07-17➕LUNT, Corinne appointedsecretary
- 2006-07-17➕WATERLOW SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2006-07-17➖WATERLOW SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2006-07-17➕LUNT, Simon appointeddirector
- 2006-07-17➕WATERLOW NOMINEES LIMITED appointedcorporate-nominee-director
- 2006-07-17➖WATERLOW NOMINEES LIMITED resignedcorporate-nominee-director
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med · 1 lowName changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-09-16: certificate-change-of-name-company
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Padmae Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Padmae Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/07/2024 |
2 historic (ceased) PSCs
- Mr Simon Luntceased 30/07/2024· 75-100% shares · 75-100% voting · board control · trust interest
- Mr Simon Luntceased 04/11/2020· 75-100% shares
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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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 →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 (2 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 01/09/2025 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 29/08/2014 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 04/07/2013 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 28/04/2011 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 23/10/2009 | — |