ARK BUSINESS FINANCE LTD
🏛️Establishedactive
10975405 · ltd · incorporated 2017-09-21
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 8.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£26.3k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 8.5y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 8.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
26 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £26,257
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£26k
↑ 106% YoY
Current Assets
£76k
↓ 2.3% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £42.3k | £33.7k |
| Current assets | £75.5k | £77.3k |
| Net assets | £26.3k | £12.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2025-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-04-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-05-07📄resolutionresolution · RESOLUTIONS
- 2019-05-02📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2019-05-02📄capital-name-of-class-of-sharescapital · SH08
- 2019-03-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-03-27📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2018-10-03📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-08-14📄resolutionresolution · RESOLUTIONS
- 2018-02-01📄change-person-director-company-with-change-dateofficers · CH01
- 2018-02-01📄change-person-director-company-with-change-dateofficers · CH01
- 2018-01-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-01-08🔒Charge registered #1Lender: Lloyds Bank PLC
- 2018-01-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-09-21🏢Company incorporatedAs ARK BUSINESS FINANCE LTD
- 2017-09-21➕KEENAN, Elizabeth Jane appointeddirector
- 2017-09-21➕KEENAN, Richard Paul appointeddirector
Owner dependency
71/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
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 |
|---|---|---|---|---|
Mrs Elizabeth Jane Keenan Individual · British · DOB 10/1975 · age 51 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 20/09/2018 |
Mr Richard Paul Keenan Individual · British · DOB 07/1970 · age 56 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 21/09/2017 |
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
Active · Financial services · LE postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BARRIC INVESTMENTS LTD→ 16089286 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BLACKTHORN MORTGAGES LIMITED→ 13309885 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| BLANCO WEALTH MANAGEMENT LIMITED→ 10947050 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| BLN LOAN SYNDICATES LIMITED→ 07341131 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| BLOXHAM, BROOKS & BAILEY LTD→ 11535515 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BLU NOVA TRADING LTD→ 16570519 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BLUE HORIZON 2 LIMITED→ 12838620 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BLUETHORN LIMITED→ 05655426 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| BLYTH-RICHMOND INVESTMENT MANAGERS LIMITED→ 13907402 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| BLYTHIN & BROWN (CORPORATE SOLUTIONS) LTD→ 11134457 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BO SELECTA INCOME PROTECTA LTD→ 15806264 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BOBBY SINGH CAPITAL LTD→ 16557719 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2017-09-21
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Park House
37 Clarence Street
Leicester
Leicestershire
LE1 3RW
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-04
Last: 2025-09-20
Officers (2 active · 0 resigned)
KEENAN, Elizabeth Jane→
Activedirector · ~51y · appointed 2017-09-21
View their other companies + combined net worth →
KEENAN, Richard Paul→
Activedirector · ~56y · appointed 2017-09-21
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 08/01/2018 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (26 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-20
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-18
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-25
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-23
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-23
accounts-with-accounts-type-micro-entity
accounts · AA
2020-04-16
confirmation-statement-with-updates
confirmation-statement · CS01
2019-10-14
resolution
resolution · RESOLUTIONS
2019-05-07
capital-variation-of-rights-attached-to-shares
capital · SH10
2019-05-02