ARNETT FIC LIMITED
🏛️Establishedactive
13488113 · ltd · incorporated 2021-07-01
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 4.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
Investor take
PursueProperty-backed borrower with a 65-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 80/100. Strong seller-intent signal (60/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
2 live charges · oldest 4.7y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.7 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
20 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 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
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2026-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-02-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-11-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-30📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2022-06-07📄mortgage-create-with-deedmortgage · MR01
- 2022-03-10📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-03-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-03-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-02-25🔒Charge registered #2Lender: The Mortgage Lender Limited
- 2021-10-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-10-22🔒Charge registered #1Lender: The Mortgage Lender Limited
- 2021-07-09📄capital-allotment-sharescapital · SH01
- 2021-07-09📄capital-allotment-sharescapital · SH01
- 2021-07-01🏢Company incorporatedAs ARNETT FIC LIMITED
- 2021-07-01➕ARNETT, Andrew appointeddirector
- 2021-07-01➕ARNETT, Jane Cunningham appointeddirector
- 2021-07-01📄incorporation-companyincorporation · NEWINC
Owner dependency
100/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "ARNETT" — strong identity link between founder and business.
- +Founder age: Director aged approximately 65 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 5 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- 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 |
|---|---|---|---|---|
Andrew Arnett Individual · British · DOB 01/1962 · age 64 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/07/2021 |
Jane Cunningham Arnett Individual · British · DOB 04/1961 · age 65 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/07/2021 |
1 historic (ceased) PSC
- Mrs Jane Cunningham Arnettceased 12/02/2026· 25-50% shares · 25-50% voting · board control
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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|---|---|---|---|---|---|---|---|
| ALBERT ARTHUR PROPERTIES LTD→ 13493187 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ALDERSON INVESTCO PROPERTIES LIMITED→ 13223664 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AMADO HOMES LTD→ 11563096 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AMBLER PROPERTIES LTD→ 16775179 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ANDERSON DOUGLAS LTD→ 15786488 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ANDREW FOSTER INVESTMENTS LIMITED→ 11686711 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| APOLLO CAPITAL ASSET HOLDINGS LTD→ 17068150 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ARMAILLIS LIMITED→ 11709874 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ARMITAGE HOUSE LTD→ 15944431 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARMV PROPERTY LTD→ 13263587 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ARNETT FIC TWO LTD→ 13771312 · est 2021 | — | — | — | 0 | 4y | — | — |
| ARROWSMITH PROPERTIES LIMITED→ 16329574 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2021-07-01
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
Crown Chambers
Princes Street
Harrogate
HG1 1NJ
United Kingdom
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-07-23
Last: 2025-07-09
Officers (2 active · 0 resigned)
ARNETT, Andrew→
Activedirector · ~64y · appointed 2021-07-01
View their other companies + combined net worth →
ARNETT, Jane Cunningham→
Activedirector · ~65y · appointed 2021-07-01
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 25/02/2022 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 22/10/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (20 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-30
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-02-12
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-11-27
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-15
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-03-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-20
mortgage-create-with-deed
mortgage · MR01
2022-06-07
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-03-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-03-10
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-10