ARROWCRUIT HOLDINGS LIMITED
Opportunity 75/100 (strong), bankability 57/100. Strong seller-intent signal (70/100, director aged 58). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
8 live charges · 4 lenders · oldest 9.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 9.7 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (74/100)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
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 |
|---|---|
| Average employees | 100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
5 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
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (36 events)Click to expand
- 2025-09-09📄accounts-with-accounts-type-groupaccounts · AA
- 2024-11-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-11-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-14🔓Charge satisfied #1
- 2024-11-13🔒Charge registered #8Lender: Jmw Finance Limited
- 2024-11-13🔒Charge registered #7Lender: Jmt Finance Limited
- 2024-09-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-19🔓Charge satisfied #5
- 2024-09-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-17📄accounts-with-accounts-type-groupaccounts · AA
- 2024-09-17🔒Charge registered #6Lender: Aldermore Bank PLC
- 2023-09-24📄accounts-with-accounts-type-groupaccounts · AA
- 2022-10-13📄accounts-amended-with-accounts-type-groupaccounts · AAMD
- 2022-09-25📄accounts-with-accounts-type-groupaccounts · AA
- 2021-12-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-12-03🔒Charge registered #5Lender: Jmt Finance Limited
- 2021-09-29📄accounts-with-accounts-type-groupaccounts · AA
- 2021-09-21📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-03-29📄accounts-with-accounts-type-groupaccounts · AA
- 2020-04-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-04-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-03-27🔒Charge registered #4Lender: Aldermore Bank PLC
- 2020-03-27🔒Charge registered #3Lender: Aldermore Bank PLC
- 2019-12-17📄accounts-with-accounts-type-groupaccounts · AA
- 2019-09-18📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2019-06-04🔓Charge satisfied #2
- 2016-10-10🔒Charge registered #2Lender: Hsbc Bank PLC
- 2016-09-28🔒Charge registered #1Lender: Hsbc Bank PLC
- 2010-11-26🏢Company incorporatedAs ARROWCRUIT HOLDINGS LIMITED
- 2010-11-26➕HUTCHINSON, Carol Ann appointedsecretary
- 2010-11-26➕HUTCHINSON, Robert Owen appointeddirector
- 2010-11-26➕ACI SECRETARIES LIMITED appointedcorporate-secretary
- 2010-11-26➖ACI SECRETARIES LIMITED resignedcorporate-secretary
- 2010-11-26➕KING, John Anthony appointeddirector
- 2010-11-26➖KING, John Anthony resigneddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 15 years.
- secondaryStable-but-static management: Company is 15 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 · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Robert Owen Hutchinson Individual · British · DOB 07/1968 · age 58 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mrs Carol Ann Hutchinson Individual · British · DOB 03/1960 · age 66 | 25–50% | — | 25-50% shares | 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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9 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 · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Jmw Finance Jmw Finance Limited | A registered charge | 1 property | 13/11/2024 | — | |
| outstanding | Jmt Finance Jmt Finance Limited | A registered charge | 1 property | 13/11/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 17/09/2024 | — | |
| satisfied | Jmt Finance Jmt Finance Limited | A registered charge | 1 property | 03/12/2021 | 19/09/2024 | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 27/03/2020 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | — | 27/03/2020 | — | |
| satisfied | HSBC Hsbc Bank PLC | A registered charge | 1 property | 10/10/2016 | 04/06/2019 | |
| satisfied | HSBC Hsbc Bank PLC | A registered charge | 1 property | 28/09/2016 | 14/11/2024 |