ARC OF LIFE LIMITED
💤Zombieactive
11348761 · ltd · incorporated 2018-05-08
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£61.6k
book net assets
Opportunity
65/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 65/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 13 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
67 live charges · 13 lenders · oldest 7.2y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 7.2 years old — likely at or near maturity.
- · 13 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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
67 charges (67/67 with lender, 67/67 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 1 with DOB)
75
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
99 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
65/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £61,614
Net assets shrinking
Down £46,736 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£62k
↓ 43% YoY
Current Assets
£41k
↑ 122% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £5.45M | £5.29M |
| Current assets | £41.1k | £18.5k |
| Net assets | £61.6k | £108.3k |
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
2
filings
- • 1 confirmation-statement
- • 1 mortgage
Last 180 days
3
filings
- • 1 confirmation-statement
- • 1 mortgage
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (101 events)Click to expand
- 2026-04-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-23🔒Charge registered #67Lender: Aldermore Bank PLC
- 2026-02-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-12-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-28🔒Charge registered #66Lender: Paratus Amc Limited
- 2025-10-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-27🔓Charge satisfied #12
- 2025-10-27🔓Charge satisfied #11
- 2025-10-24🔒Charge registered #65Lender: The Mortgage Lender Limited
- 2025-10-24🔒Charge registered #64Lender: The Mortgage Lender Limited
- 2025-08-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-01🔒Charge registered #63Lender: Paragon Bank PLC
- 2025-07-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-30🔒Charge registered #62Lender: The Mortgage Lender Limited
- 2025-05-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-06🔓Charge satisfied #9
- 2025-04-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-28🔒Charge registered #60Lender: Keystone Property Finance Limited
- 2025-04-25🔒Charge registered #61Lender: The Mortgage Lender Limited
- 2025-03-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-25🔒Charge registered #59Lender: Keystone Property Finance Limited
- 2025-02-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-01🔒Charge registered #58Lender: Lendinvest Btl Limited
- 2024-09-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-02🔒Charge registered #57Lender: Paragon Bank PLC
- 2024-07-15➕PATEL, Jessica appointedsecretary
- 2024-07-15📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-07-15📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-07-12➖PATEL, Jessica Deepti resignedsecretary
- 2024-07-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-01🔒Charge registered #56Lender: Paragon Bank PLC
- 2024-03-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-03-08📄change-person-director-company-with-change-dateofficers · CH01
- 2024-03-08📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-03-04➕PATEL, Jessica Deepti appointedsecretary
- 2023-09-08🔒Charge registered #55Lender: The Mortgage Lender Limited
- 2023-08-09🔒Charge registered #54Lender: The Mortgage Lender Limited
- 2023-07-14🔒Charge registered #53Lender: The Mortgage Lender Limited
- 2023-06-23🔒Charge registered #52Lender: The Mortgage Lender Limited
- 2023-05-19🔒Charge registered #51Lender: The Mortgage Lender Limited
- 2023-05-12🔒Charge registered #50Lender: The Mortgage Lender Limited
- 2023-05-10➖PATEL, Arpit Chitranjan resignedsecretary
- 2023-03-24🔒Charge registered #49Lender: The Mortgage Lender Limited
- 2023-02-22🔒Charge registered #48Lender: Onesavings Bank PLC
- 2023-02-22🔒Charge registered #47Lender: Onesavings Bank PLC
Showing most recent 50 of 101 events
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
2 med · 1 low6 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-04-23: A registered charge; 2025-11-28: A registered charge; 2025-10-24: A registered charge
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
62 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Dr Amit Chitranjan Patel Individual · British · DOB 08/1982 · age 44 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 08/05/2018 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Property · CO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALBION BUSINESS SERVICES SUFFOLK LTD→ 11165241 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ALSTRAB PROPERTIES LTD→ 13039266 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AMAPOLA HOMES LIMITED→ 11728483 · est 2018 | — | — | — | 0 | 7y | — | — |
| AMSK INVESTMENTS LTD→ 12793133 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ANGLIA LANDSCAPES RENTAL LTD→ 12743764 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ANGLO INVESTMENTS IPS LIMITED→ 04163123 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
| ARBORA RENT (NAYLAND) LIMITED→ 14606104 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ARBORA RENT LIMITED→ 13201257 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ARCHER ACCOMMODATION LTD→ 15770658 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARCHER ESTATE MANAGEMENT LTD→ 14778044 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ARCHER PROPERTY LIMITED→ 11662741 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ARDECA LIMITED→ 16752799 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2018-05-08
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
The Old Forge
East Street
Colchester
CO1 2TP
England
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-05-21
Last: 2026-05-07
Officers (2 active · 2 resigned)
Active
PATEL, Amit Chitranjan, Dr→
Activedirector · ~44y · appointed 2018-05-08
View their other companies + combined net worth →
PATEL, Arpit Chitranjan→
Resignedsecretary · appointed 2019-07-22 · resigned 2023-05-10
PATEL, Jessica Deepti→
Resignedsecretary · appointed 2024-03-04 · resigned 2024-07-12
Click a director name to see their full track record across all companies.
Mortgages & charges
67
Total charges
62
Outstanding
13
Active lenders
Status:Lender:67 of 67 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 3 properties | 23/04/2026 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 28/11/2025 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 24/10/2025 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 24/10/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 01/08/2025 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 30/07/2025 | — | |
| outstanding | Keystone Property Finance Keystone Property Finance Limited | A registered charge | 1 property | 28/04/2025 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 25/04/2025 | — | |
| outstanding | Keystone Property Finance Keystone Property Finance Limited | A registered charge | 1 property | 25/03/2025 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 01/11/2024 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 02/09/2024 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 01/07/2024 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 08/09/2023 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 09/08/2023 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 14/07/2023 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 23/06/2023 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 19/05/2023 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 12/05/2023 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 24/03/2023 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 22/02/2023 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 22/02/2023 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 31/01/2023 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 24/01/2023 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 20/01/2023 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 16/01/2023 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 08/12/2022 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 06/12/2022 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 16/11/2022 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 07/10/2022 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 02/09/2022 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 24/08/2022 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 22/07/2022 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 14/07/2022 | — | |
| outstanding | Kent Reliance / OSB Onesavings Bank PLC Trading as Kent Reliance Banking Services | A registered charge | 1 property | 14/07/2022 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 05/07/2022 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 21/02/2022 | — | |
| outstanding | Landbay Landbay Partners Limited | A registered charge | 1 property | 18/02/2022 | — | |
| outstanding | Hey Habito Hey Habito LTD | A registered charge | 1 property | 10/02/2022 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 04/02/2022 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 22/12/2021 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 30/11/2021 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 26/11/2021 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 03/11/2021 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 03/11/2021 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 29/10/2021 | — | |
| outstanding | Landbay Landbay Partners Limited | A registered charge | 1 property | 29/06/2021 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 23/06/2021 | — | |
| outstanding | Landbay Landbay Partners Limited | A registered charge | 1 property | 15/06/2021 | — | |
| outstanding | Landbay Landbay Partners Limited | A registered charge | 1 property | 20/05/2021 | — | |
| satisfied | Landbay Landbay Partners Limited | A registered charge | 1 property | 20/05/2021 | 02/06/2021 | |
| outstanding | Landbay Landbay Partners Limited | A registered charge | 1 property | 14/04/2021 | — | |
| outstanding | Landbay Landbay Partners Limited | A registered charge | 1 property | 14/04/2021 | — | |
| outstanding | Paratus Amc , Trading as Foundation Home Loans Paratus Amc Limited, Trading as Foundation Home Loans | A registered charge | 1 property | 28/01/2021 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 11/12/2020 | — | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 11/12/2020 | — | |
| satisfied | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 13/11/2020 | 27/10/2025 | |
| satisfied | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 30/10/2020 | 27/10/2025 | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 14/08/2020 | — | |
| satisfied | Paragon Paragon Bank PLC | A registered charge | 1 property | 06/03/2020 | 06/05/2025 | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 03/02/2020 | — | |
| satisfied | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 28/10/2019 | 04/02/2020 | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 28/10/2019 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 23/08/2019 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 06/08/2019 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 06/08/2019 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 24/05/2019 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 17/05/2019 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (99 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-23
accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-27
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-27
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-21
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-25