ARB HOMES LTD
🏛️Establishedactive
10515381 · ltd · incorporated 2016-12-07
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 9.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£-218.6k
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 73/100 (strong), bankability 65/100. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).
🏦
Refinance opportunity
5 live charges · 2 lenders · oldest 9.4y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 9.4 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 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
37 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £218,550
Net assets shrinking
Down £265,271 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
-£219k
↓ 568% YoY
Current Assets
—
Current Liabilities
—
Hover 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 | £1.5k | £46.7k |
| Current assets | — | £1.5k |
| Net assets | £-218.6k | £46.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (29 events)Click to expand
- 2025-10-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-09🔒Charge registered #5Lender: Paragon Bank PLC
- 2025-02-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-02-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-02-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-07🔒Charge registered #4Lender: Paragon Bank PLC
- 2024-09-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-05-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-05-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-05-24📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2024-04-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-12🔒Charge registered #3Lender: Paragon Bank PLC
- 2024-02-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-02-12🔓Charge satisfied #2
- 2023-11-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-11-24📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-10-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-13📄change-person-director-company-with-change-dateofficers · CH01
- 2020-10-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-01-12➕BENNETT, Michael Robert Charl appointeddirector
- 2018-12-10➖BENNETT, Michael Robert resigneddirector
- 2017-04-13🔒Charge registered #2Lender: Charter Court Financial Services Limited
- 2017-03-14🔒Charge registered #1Lender: Charter Court Financial Services Limited
- 2017-02-24➕BENNETT, Michael Robert appointeddirector
- 2016-12-07🏢Company incorporatedAs ARB HOMES LTD
- 2016-12-07➕BENNETT-ROSINO, Andrew Federico appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome 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
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Michael Robert Charl Bennett Individual · British · DOB 09/1980 · age 46 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control · firm interest | 04/06/2024 |
Mr Andrew Federico Bennett Rosino Individual · British · DOB 08/1975 · age 51 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control · firm interest | 24/05/2024 |
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 →Similar companies
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|---|---|---|---|---|---|---|---|
| ALEXIUS LTD→ 13131308 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AQH MICKLEGATE (2015) LIMITED→ 09889430 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ARKE PROPERTY HOLDINGS (UK) LTD→ 08511353 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ASGHAR INVESTMENTS LTD→ 15579371 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AVERYCROWN LIMITED→ 01685862 · est 1982 · no financials extracted | — | — | — | — | 43y | — | — |
| AYURA FEED (YORKSHIRE) LIMITED→ 11605799 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| B & M HOLMES (PROPERTIES) LIMITED→ 03085254 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| BALAJ GROUP REAL ESTATE UK LTD→ 15989449 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BATES UK PROPERTY CONSULTANTS LTD→ 04573773 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
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| BCN PROPERTIES LIMITED→ 11999859 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2016-12-07
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Mount Pleasant Cottage Mount Pleasant
Ripponden
Sowerby Bridge
HX6 4JL
England
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-11-09
Last: 2025-10-26
Officers (2 active · 1 resigned)
BENNETT, Michael Robert Charl→
Activedirector · ~46y · appointed 2019-01-12
View their other companies + combined net worth →
BENNETT-ROSINO, Andrew Federico→
Activedirector · ~51y · appointed 2016-12-07
View their other companies + combined net worth →
BENNETT, Michael Robert→
Resigneddirector · ~46y · appointed 2017-02-24 · resigned 2018-12-10
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
4
Outstanding
2
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 09/05/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 07/02/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 12/04/2024 | — | |
| satisfied | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 13/04/2017 | 12/02/2024 | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 14/03/2017 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (37 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-26
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-07
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-05
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-06-04
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-05-29
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-05-28
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2024-05-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-17
mortgage-satisfy-charge-full
mortgage · MR04
2024-02-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-24