ARCO COMMERCIAL FINANCE LTD

🌳Matureactive
08069633 · ltd · incorporated 2012-05-15
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
£1.3k
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -66% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (81/100)

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
Confirmed no charges registered
85
Directors & officers
4 officers (3 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
33 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £1,273
Net assets shrinking
Down £1,359 YoY
Cash draining
Cash down 66% YoY
Cash YoY
-66%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£1k
↓ 66% YoY
Net Worth
£1k
↓ 52% YoY
Current Assets
£11k
↑ 33% YoY
Current Liabilities
—
£0£2k£4k£7k£9k£11kApr 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£1.4k£2.8k
Current assets£11.0k£8.3k
Cash£1.5k£4.4k
Debtors£9.5k£3.8k
Net assets£1.3k£2.6k

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

🔒Filing-note intelligence

4 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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2025-06-19
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2024-06-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2023-06-19
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2023-05-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2022-12-21
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2021-06-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2020-07-08
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2019-06-12
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2019-01-04
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2017-11-17
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2016-11-04
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-06-16
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  13. 2016-05-26
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-09-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-06-02
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2015-04-20
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2015-02-11
    ➕
    LYSANDROU, Georgina appointed
    director
  18. 2015-02-11
    ➖
    CHRISTOFI, Nicholas resigned
    director
  19. 2012-05-15
    🏢
    Company incorporated
    As ARCO COMMERCIAL FINANCE LTD
  20. 2012-05-15
    ➕
    ATHANASIOU, Nino Panayiotou appointed
    director
  21. 2012-05-15
    ➕
    BELL, Colin James appointed
    director
  22. 2012-05-15
    ➕
    CHRISTOFI, Nicholas 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
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

63/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
  • secondary12+ year tenure: Director in role 14 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Colin James Bell
Individual · British · DOB 01/1963 · age 63
25–50%
25–50%board control25-50% shares · 25-50% voting · board control16/05/2016
Mrs Georgina Lysandrou
Individual · British · DOB 06/1964 · age 62
25–50%
25–50%board control25-50% shares · 25-50% voting · board control16/05/2016

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

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
Incorporated2012-05-15
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Suite 222 Cuffley Point Cuffley Place
Sopers Road
Cuffley
Hertfordshire
EN6 4RY
England

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-05-29
Last: 2025-05-15

Officers (3 active · 1 resigned)

ATHANASIOU, Nino Panayiotou→
director · ~61y · appointed 2012-05-15
View their other companies + combined net worth →
Active
BELL, Colin James→
director · ~63y · appointed 2012-05-15
View their other companies + combined net worth →
Active
LYSANDROU, Georgina→
director · ~62y · appointed 2015-02-11
View their other companies + combined net worth →
Active
CHRISTOFI, Nicholas→
director · ~41y · appointed 2012-05-15 · resigned 2015-02-11
Resigned

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

Recent filings (33 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-06-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-15
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-06-19
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-16
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-05-09
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-21
confirmation-statement-with-updates
confirmation-statement · CS01
2022-05-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-06-22
confirmation-statement-with-updates
confirmation-statement · CS01
2021-05-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-07-08
confirmation-statement-with-updates
confirmation-statement · CS01
2020-05-28
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-06-12
confirmation-statement-with-updates
confirmation-statement · CS01
2019-05-23