ARC HOME INVESTMENTS LTD
🏛️Establishedactive
11354814 · ltd · incorporated 2018-05-10
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 70/100 (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. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
11 live charges · 8 lenders · oldest 7.3y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 7.3 years old — likely at or near maturity.
- · 8 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (73/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
11 charges (11/11 with lender, 11/11 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
1 connected companies via shared directors
48
Filing history
48 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
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
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 |
|---|---|
| Average employees | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
- 2025-06-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-13📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-02-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-04🔒Charge registered #11Lender: Aldermore Bank PLC
- 2024-12-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-12-06🔒Charge registered #10Lender: Chl Mortgages for Intermediaries Limited
- 2024-12-06🔒Charge registered #9Lender: Chl Mortgages for Intermediaries Limited
- 2024-12-06🔒Charge registered #8Lender: Chl Mortgages for Intermediaries Limited
- 2024-12-06🔒Charge registered #7Lender: Chl Mortgages for Intermediaries Limited
- 2024-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-18📄legacymiscellaneous · RPCH01
- 2023-09-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-07📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-06📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-06📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-09-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-26🔒Charge registered #6Lender: Interbay Funding, LTD.
- 2022-08-25🔒Charge registered #5Lender: Interbay Funding Limited
- 2022-07-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-07-14🔒Charge registered #4Lender: Onesavings Bank PLC
- 2022-02-04📄change-person-director-company-with-change-dateofficers · CH01
- 2021-10-14🔒Charge registered #3Lender: Shawbrook Bank Limited
- 2019-12-18🔒Charge registered #2Lender: Lendinvest Btl Limited
- 2019-03-15🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2018-05-10🏢Company incorporatedAs ARC HOME INVESTMENTS LTD
- 2018-05-10➕CHARLES, Allan Russell appointeddirector
- 2018-05-10➕CHARLES, Rosemary Juliet 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 8 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
1 low11 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Allan Russell Charles Individual · British · DOB 09/1991 · age 35 | 25–50% | — | 25-50% shares | 10/05/2018 |
Mrs Rosemary Juliet Charles Individual · British · DOB 06/1992 · age 34 | 25–50% | — | 25-50% shares | 10/05/2018 |
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 · Property · HR postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ANAMCARA DEVELOPMENTS LIMITED→ 13711509 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ANEXHOMES LTD→ 16160510 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ANGEL 6 PROPERTIES LTD→ 15167222 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ARAEMO LIMITED→ 10015105 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ARCHIBALD MARCKAY PROPERTY LIMITED→ 08988659 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ARCKLOW ESTATES LTD→ 12115854 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ARDL LTD→ 13562188 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AREW LIMITED→ 05115726 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| ARNOLD NEXUS INVESTMENTS LIMITED→ 16113505 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARNOLD REAL ESTATE LIMITED→ 09111166 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ARROW MASONIC HALL CO. LTD.→ 02793258 · est 1993 · no financials extracted | — | — | — | — | 33y | — | — |
| ARTISAN BLYTHSWOOD QUARTER LIMITED→ 11761430 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2018-05-10
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Suite A4 Skylon Court
Rotherwas
Hereford
HR2 6JS
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-02-13
Last: 2026-01-30
Officers (2 active · 0 resigned)
CHARLES, Allan Russell→
Activedirector · ~35y · appointed 2018-05-10
View their other companies + combined net worth →
CHARLES, Rosemary Juliet→
Activedirector · ~34y · appointed 2018-05-10
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
11
Total charges
11
Outstanding
7
Active lenders
Status:Lender:11 of 11 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 04/02/2025 | — | |
| outstanding | Chl Mortgages for Intermediaries Chl Mortgages for Intermediaries Limited | A registered charge | 1 property | 06/12/2024 | — | |
| outstanding | Chl Mortgages for Intermediaries Chl Mortgages for Intermediaries Limited | A registered charge | 1 property | 06/12/2024 | — | |
| outstanding | Chl Mortgages for Intermediaries Chl Mortgages for Intermediaries Limited | A registered charge | 1 property | 06/12/2024 | — | |
| outstanding | Chl Mortgages for Intermediaries Chl Mortgages for Intermediaries Limited | A registered charge | 1 property | 06/12/2024 | — | |
| outstanding | InterBay Interbay Funding, LTD. | A registered charge | 4 properties | 26/08/2022 | — | |
| outstanding | InterBay Interbay Funding Limited | A registered charge | 4 properties | 25/08/2022 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 14/07/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 14/10/2021 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 18/12/2019 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 15/03/2019 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (48 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-14
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-03-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-23
legacy
miscellaneous · RPCH01
2024-03-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-07
change-person-director-company-with-change-date
officers · CH01
2023-03-07