ARC LANCASTER LIMITED

🌳Matureactive
07157876 · ltd · incorporated 2010-02-15
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 Apr 2025
Net worth
£1.46M
book net assets
Opportunity
72/100
Strong
🔔
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What this business does
Primary activity: SIC 23990
Sector: Manufacturing
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 72/100 (strong), bankability 67/100. 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 (58/100).

🏦

Refinance opportunity

6 live charges · 5 lenders · oldest 14.1y

35/100
too messy

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

  • · Oldest live charge is 14.1 years old — likely at or near maturity.
  • · 5 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
75
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 5 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
72 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £1,463,898

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£1.5m
Current Assets
£2.9m
Current Liabilities
—
£0£590k£1.2m£1.8m£2.4m£2.9mApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Total assets£1.61M—
Current assets£2.95M—
Debtors£1.66M—
Net assets£1.46M—

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

🔒Filing-note intelligence

3 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
0
filings
Last 90 days
2
filings
  • • 1 mortgage
  • • 1 capital
Last 180 days
4
filings
  • • 2 capital
  • • 1 mortgage
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
  1. 2026-05-13
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  2. 2026-05-13
    🔓
    Charge satisfied #5
  3. 2026-04-14
    📄
    capital-return-purchase-own-shares
    capital · SH03
  4. 2026-03-04
    📄
    capital-cancellation-shares
    capital · SH06
  5. 2026-01-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2025-10-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  7. 2025-09-19
    ➖
    CHADWICK, William Richard resigned
    director
  8. 2025-07-25
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2025-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2024-05-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2024-04-30
    🔒
    Charge registered #6
    Lender: Hsbc UK Bank PLC
  12. 2023-08-31
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  13. 2023-08-31
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  14. 2023-06-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2022-08-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2022-01-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2021-09-23
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2021-06-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  19. 2021-06-24
    🔓
    Charge satisfied #2
  20. 2021-03-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2020-01-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2019-01-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2018-09-07
    🔒
    Charge registered #5
    Lender: Hsbc UK Bank PLC
  24. 2018-05-21
    🔒
    Charge registered #4
    Lender: Hsbc Invoice Finance (UK) LTD
  25. 2018-02-02
    🔒
    Charge registered #3
    Lender: Hsbc Bank PLC
  26. 2017-12-04
    🔓
    Charge satisfied #1
  27. 2015-04-24
    ➕
    CLOKEY, Andrew Mark appointed
    director
  28. 2015-04-24
    ➖
    CLOKEY, Eva resigned
    director
  29. 2013-11-22
    ➕
    WHITAKER, John Benjamin appointed
    director
  30. 2012-10-30
    ➕
    CHADWICK, William Richard appointed
    director
  31. 2012-07-16
    🔒
    Charge registered #2
    Lender: Bibby Financial Services LTD (As Security Trustee)
  32. 2012-05-23
    🔒
    Charge registered #1
    Lender: Close Invoice Finance Limited
  33. 2012-05-22
    ➖
    CLOKEY, Andrew Mark resigned
    director
  34. 2012-05-04
    ➕
    CLOKEY, Eva appointed
    director
  35. 2010-02-15
    🏢
    Company incorporated
    As ARC LANCASTER LIMITED
  36. 2010-02-15
    ➕
    CLOKEY, Andrew Mark appointed
    director

Owner dependency

58/100
Moderate — manageable with handover

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

59/100
Strong succession signal

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

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 13 years.
  • secondaryStable-but-static management: Company is 16 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.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Andrew Clokey
Individual · British · DOB 10/1979 · age 47
25–50%
—25-50% shares26/07/2023
1 historic (ceased) PSC
  • Mrs Eva Clokeyceased 26/07/2023· 25-50% shares

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 →

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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
Incorporated2010-02-15
Jurisdictionengland-wales
Primary SIC23990 — SIC 23990

Registered office

1-3-5 The Barracks
White Cross
Lancaster
Lancashire
LA1 4XQ
England

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-09-14
Last: 2025-08-31

Officers (2 active · 3 resigned)

CLOKEY, Andrew Mark→
director · ~47y · appointed 2015-04-24
View their other companies + combined net worth →
Active
WHITAKER, John Benjamin→
director · ~45y · appointed 2013-11-22
View their other companies + combined net worth →
Active
CHADWICK, William Richard→
director · ~75y · appointed 2012-10-30 · resigned 2025-09-19
Resigned
CLOKEY, Andrew Mark→
director · ~47y · appointed 2010-02-15 · resigned 2012-05-22
Resigned
CLOKEY, Eva→
director · ~48y · appointed 2012-05-04 · resigned 2015-04-24
Resigned

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

Mortgages & charges

6
Total charges
3
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
HSBC
Hsbc UK Bank PLC
A registered charge1 property30/04/2024—
satisfied
HSBC
Hsbc UK Bank PLC
A registered charge1 property07/09/201813/05/2026
outstanding
HSBC
Hsbc Invoice Finance (UK) LTD
A registered charge—21/05/2018—
outstanding
HSBC
Hsbc Bank PLC
A registered charge1 property02/02/2018—
satisfied
Bibby Financial Services
Bibby Financial Services LTD (As Security Trustee)
Debenture1 property16/07/201224/06/2021
satisfied
Close Invoice Finance
Close Invoice Finance Limited
All assets debenture1 property23/05/201204/12/2017
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (72 total)

mortgage-satisfy-charge-full
mortgage · MR04
2026-05-13
capital-return-purchase-own-shares
capital · SH03
2026-04-14
capital-cancellation-shares
capital · SH06
2026-03-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-30
termination-director-company-with-name-termination-date
officers · TM01
2025-10-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-13
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-03
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-31
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-08-31
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-08-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-16