ARDA CAPITAL LIMITED
🌳Matureactive
06805506 · ltd · incorporated 2009-01-29
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2026
Net worth
£721.1k
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 60-year-old founder — textbook succession opportunity.
Opportunity 75/100 (strong), bankability 77/100. Strong seller-intent signal (65/100, director aged 60). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
7 live charges · 5 lenders · oldest 16.0y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 16.0 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 33/100 — workable, but lender will want more DD.
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
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
8 officers (2 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
93 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £721,089
Net assets shrinking
Down £123,115 YoY
Cash YoY
-4%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£2.6m
↓ 3.6% YoY
Net Worth
£721k
↓ 15% YoY
Current Assets
£2.8m
↓ 2.1% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2026-03-31 | 2025-03-31 |
|---|---|---|
| Total assets | £2.48M | £844.2k |
| Current assets | £2.81M | £2.87M |
| Cash | £2.61M | £2.71M |
| Debtors | £198.9k | £160.9k |
| Net assets | £721.1k | £844.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
3
filings
- • 1 accounts
- • 1 confirmation-statement
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (51 events)Click to expand
- 2026-07-24📄accounts-with-accounts-type-mediumaccounts · AA
- 2026-01-29📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-10-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-04📄accounts-with-accounts-type-mediumaccounts · AA
- 2025-02-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-31➖RUTHERFORD, Duncan Thomas resigneddirector
- 2025-01-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-08-27✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-07-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-25➕BOWERS, John Charles Lloyd appointeddirector
- 2024-07-24📄accounts-with-accounts-type-fullaccounts · AA
- 2024-06-14✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-06-14✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-04-02➕RUTHERFORD, Duncan Thomas appointeddirector
- 2024-04-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-03-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-03-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-03-18🔓Charge satisfied #4
- 2024-03-18🔓Charge satisfied #3
- 2024-03-06📄accounts-with-accounts-type-fullaccounts · AA
- 2024-03-04➖COTTRILL, Andrew George Alan resignedsecretary
- 2024-03-04➖COTTRILL, Andrew George Alan resigneddirector
- 2024-03-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-03-04📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-02-19📄capital-allotment-sharescapital · SH01
- 2024-02-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-02-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-02-12📄capital-allotment-sharescapital · SH01
- 2023-05-26➕LINDSAY, Patrick Anthony appointeddirector
- 2023-05-26➕COTTRILL, Andrew George Alan appointedsecretary
- 2023-05-26➖MACINNES, Duncan resignedsecretary
- 2023-05-26➖MACINNES, Duncan Finlay resigneddirector
- 2023-01-12➕COTTRILL, Andrew George Alan appointeddirector
- 2019-11-15🔓Charge satisfied #7
- 2019-11-15🔓Charge satisfied #6
- 2019-07-22🔓Charge satisfied #5
- 2016-04-22🔒Charge registered #7Lender: Barclays Bank PLC
- 2016-02-10🔒Charge registered #6Lender: Barclays Bank PLC
- 2016-01-14🔒Charge registered #5Lender: Bank Julius Baer & Co LTD
- 2014-06-19🔓Charge satisfied #2
- 2014-06-19🔓Charge satisfied #1
- 2011-01-17🔒Charge registered #4Lender: The Pollen Estate Trustee Company Limited
- 2010-09-20🔒Charge registered #3Lender: Mymoneyman Limited
- 2010-08-12🔒Charge registered #2Lender: Matthew Jenner Trading as Mlj Loans
- 2010-08-06🔒Charge registered #1Lender: Matthew Jenner Trading as Mlj Loans
- 2009-11-01➖EAC (SECRETARIES) LIMITED resignedcorporate-nominee-secretary
- 2009-10-01➕MACINNES, Duncan appointedsecretary
- 2009-01-29🏢Company incorporatedAs ARDA CAPITAL LIMITED
- 2009-01-29➕EAC (SECRETARIES) LIMITED appointedcorporate-nominee-secretary
Showing most recent 50 of 51 events
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
2 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Name changed recently
mediumName changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2024-08-27: certificate-change-of-name-company
Multiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Charles Lloyd Bowers Individual · Australian · DOB 12/1988 · age 38 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 31/01/2024 |
1 historic (ceased) PSC
- Xenfin Holdings Limitedceased 31/01/2024· 75-100% shares · 75-100% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · W postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AMETHYST CAPITAL LIMITED→ 16868922 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| APOLLO CREDIT MANAGEMENT INTERNATIONAL LIMITED→ 11066420 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| APOLLO PRIVATE WEALTH LTD→ 09976926 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| APPLETON MORTGAGES LIMITED→ 15807713 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AQA GLOBAL LIMITED→ 16899866 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARAMCO VENTURES LIMITED→ 08878134 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ARBRA INVESTMENT MANAGEMENT LTD→ 15690057 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARCHENON LTD→ 14480000 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ARCSTEN CAPITAL LIMITED→ 16828821 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARCTIC CREDIT PARTNERS LIMITED→ 16662491 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ARDIAN INVESTMENT UK LIMITED→ 05654928 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ARDOUR VENTURES LTD.→ 05384628 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
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
Incorporated2009-01-29
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
19 Berkeley Street
Westminster
London
W1J 8ED
United Kingdom
Filing status
Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-02-12
Last: 2026-01-29
Officers (2 active · 6 resigned)
BOWERS, John Charles Lloyd→
Activedirector · ~38y · appointed 2024-07-25
View their other companies + combined net worth →
LINDSAY, Patrick Anthony→
Activedirector · ~60y · appointed 2023-05-26
View their other companies + combined net worth →
COTTRILL, Andrew George Alan→
Resignedsecretary · appointed 2023-05-26 · resigned 2024-03-04
MACINNES, Duncan→
Resignedsecretary · appointed 2009-10-01 · resigned 2023-05-26
EAC (SECRETARIES) LIMITED→
Resignedcorporate-nominee-secretary · appointed 2009-01-29 · resigned 2009-11-01
COTTRILL, Andrew George Alan→
Resigneddirector · ~46y · appointed 2023-01-12 · resigned 2024-03-04
MACINNES, Duncan Finlay→
Resigneddirector · ~44y · appointed 2009-01-29 · resigned 2023-05-26
RUTHERFORD, Duncan Thomas→
Resigneddirector · ~37y · appointed 2024-04-02 · resigned 2025-01-31
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
0
Outstanding
0
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Barclays Barclays Bank PLC | A registered charge | — | 22/04/2016 | 15/11/2019 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | — | 10/02/2016 | 15/11/2019 | |
| satisfied | Bank Julius Baer & Co Bank Julius Baer & Co LTD | A registered charge | — | 14/01/2016 | 22/07/2019 | |
| satisfied | The Pollen Estate Trustee Company The Pollen Estate Trustee Company Limited | Rent deposit deed | 1 property | 17/01/2011 | 18/03/2024 | |
| satisfied | Mymoneyman Mymoneyman Limited | Charge | 1 property | 20/09/2010 | 18/03/2024 | |
| satisfied | Matthew Jenner Trading as Mlj Loans | Charge | 1 property | 12/08/2010 | 19/06/2014 | |
| satisfied | Matthew Jenner Trading as Mlj Loans | Charge | 1 property | 06/08/2010 | 19/06/2014 |
Recent filings (93 total)
accounts-with-accounts-type-medium
accounts · AA
2026-07-24
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-29
change-person-director-company-with-change-date
officers · CH01
2026-01-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-12-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-29
accounts-with-accounts-type-medium
accounts · AA
2025-08-04
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-05
termination-director-company-with-name-termination-date
officers · TM01
2025-02-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-01-23
certificate-change-of-name-company
change-of-name · CERTNM
2024-08-27
appoint-person-director-company-with-name-date
officers · AP01
2024-07-26
accounts-with-accounts-type-full
accounts · AA
2024-07-24
certificate-change-of-name-company
change-of-name · CERTNM
2024-06-14
certificate-change-of-name-company
change-of-name · CERTNM
2024-06-14
appoint-person-director-company-with-name-date
officers · AP01
2024-04-02