ARNOLDS PHARMACY LIMITED
Opportunity 72/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 13.0y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 13.0 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £1.23M | £1.66M |
| Current assets | £961.5k | £1.17M |
| Cash | £606.0k | £77.1k |
| Debtors | £318.6k | £1.05M |
| Net assets | £1.13M | £1.54M |
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
- • 1 confirmation-statement
Corporate timeline (23 events)Click to expand
- 2025-10-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-13🔓Charge satisfied #2
- 2025-05-13🔓Charge satisfied #1
- 2024-09-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-20🔓Charge satisfied #3
- 2023-10-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-10-20📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2016-02-09🔒Charge registered #3Lender: Lloyds Bank PLC
- 2016-02-02📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-04-08🔒Charge registered #2Lender: Lloyds Bank PLC
- 2013-06-14🔒Charge registered #1Lender: Lloyds Tsb Bank PLC
- 2013-01-25🏢Company incorporatedAs ARNOLDS PHARMACY LIMITED
- 2013-01-25➕HAMID, Osman Naveed appointeddirector
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.
- +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Osman Naveed Hamid Individual · British · DOB 03/1980 · age 46 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 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
Active · Wholesale & distribution · EX postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A & E FUEL SUPPLIES LTD→ 11467550 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AARON WILKINSON LIMITED→ 15172225 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ACCESS ELECTRICAL (SERVICES) LIMITED→ 01084120 · est 1972 · no financials extracted | — | — | — | — | 53y | — | — |
| AERIALS, SATELLITES AND CABLES LIMITED→ 07800695 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| AGRICULTURAL COMMISSIONS LIMITED→ 06590688 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ALLKYN LTD→ 15145086 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AMBO STUDIOS LTD→ 11943972 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ANARTES LIMITED→ 14161461 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ANORAQ LTD→ 15319066 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ARMOR PRINT SOLUTIONS LTD→ 13057563 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AROUND HERE LTD→ 12790605 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ARTEFACT WINES LTD→ 15864063 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 09/02/2016 | 20/08/2024 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 08/04/2014 | 13/05/2025 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | A registered charge | 1 property | 14/06/2013 | 13/05/2025 |