ARORA UK FINANCE LIMITED
🌿Early-stageactive
13502391 · ltd · incorporated 2021-07-09
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 4.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Active trading company. Family succession underway — not a classic acquisition target.
Opportunity 72/100 (strong), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: 1 insolvency-related filing on record. Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 4.8y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.8 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (62/100)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
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (5 active, 6 linked, 6 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
34 connected companies via shared directors
90
Filing history
24 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2025-12-09📄accounts-with-accounts-type-smallaccounts · AA
- 2025-11-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-11-17➕BYWATER, David appointeddirector
- 2024-11-04📄accounts-with-accounts-type-smallaccounts · AA
- 2024-08-12📄legacycapital · SH20
- 2024-08-12📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2024-08-12⚠️legacyinsolvency · CAP-SS
- 2024-08-12📄resolutionresolution · RESOLUTIONS
- 2024-01-12📄accounts-with-accounts-type-smallaccounts · AA
- 2023-06-05📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-06-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-01-17📄accounts-with-accounts-type-smallaccounts · AA
- 2022-03-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-02-18➖YIANNIS, Athos George resigneddirector
- 2022-02-17📄capital-allotment-sharescapital · SH01
- 2021-12-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-12-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-12-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-12-15➕ARORA, Sanjay appointeddirector
- 2021-12-15➕ARORA, Surinder appointeddirector
- 2021-12-15➕RODA, Sanjeev Kumar appointeddirector
- 2021-08-19📄capital-allotment-sharescapital · SH01
- 2021-08-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-17🔒Charge registered #1Lender: United Overseas Bank Limited, London Branch
- 2021-07-15📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2021-07-09🏢Company incorporatedAs ARORA UK FINANCE LIMITED
- 2021-07-09➕BROWN, Carlton Jeffrey appointeddirector
- 2021-07-09➕YIANNIS, Athos George appointeddirector
- 2021-07-09📄incorporation-companyincorporation · NEWINC
Owner dependency
78/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Founder name in company name: Company name contains director surname "ARORA" — strong identity link between founder and business.
- +Founder age: Director aged approximately 68 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Red flags
1 high ·1 insolvency-related filing on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2024-08-12: legacy
Group structure
Arora Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Arora Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
ARORA UK FINANCE LIMITED
This company · 13502391
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Arora Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 09/07/2021 |
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 · TW postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AKROYD FAMILY INVESTMENT COMPANY LIMITED→ 11268917 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AMG PRIVATE FINANCE LTD→ 10860282 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ANALYST INVESTMENTS LIMITED→ 03687441 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| ANRO FINANCIAL PLANNING LIMITED→ 11372193 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ANSAAM UNITED LIMITED→ 11707623 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ANTELJ MANAGEMENT LTD→ 10079261 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ARGON FINANCIAL SERVICES LIMITED→ 11647051 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ARISS LIMITED→ 06575988 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ARORA INVESTMENTS JPUT LIMITED→ 05738608 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| ASAR WEALTH MANAGEMENT LIMITED→ 10277502 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ASCENDANT PROPERTY VENTURES LTD→ 16315803 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ASK FINANCIAL SERVICES LTD→ 11438519 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2021-07-09
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
World Business Centre 2
Newall Road
Hounslow
TW6 2SF
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-07-22
Last: 2025-07-08
Officers (5 active · 1 resigned)
ARORA, Sanjay→
Activedirector · ~37y · appointed 2021-12-15
View their other companies + combined net worth →
ARORA, Surinder→
Activedirector · ~68y · appointed 2021-12-15
View their other companies + combined net worth →
BROWN, Carlton Jeffrey→
Activedirector · ~54y · appointed 2021-07-09
View their other companies + combined net worth →
BYWATER, David→
Activedirector · ~59y · appointed 2025-11-17
View their other companies + combined net worth →
RODA, Sanjeev Kumar→
Activedirector · ~57y · appointed 2021-12-15
View their other companies + combined net worth →
YIANNIS, Athos George→
Resigneddirector · ~63y · appointed 2021-07-09 · resigned 2022-02-18
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 | United Overseas Bank , London Branch United Overseas Bank Limited, London Branch | A registered charge | — | 17/08/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (24 total)
accounts-with-accounts-type-small
accounts · AA
2025-12-09
appoint-person-director-company-with-name-date
officers · AP01
2025-11-26
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-08
accounts-with-accounts-type-small
accounts · AA
2024-11-04
legacy
capital · SH20
2024-08-12
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2024-08-12
legacy
insolvency · CAP-SS
2024-08-12
resolution
resolution · RESOLUTIONS
2024-08-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-08
accounts-with-accounts-type-small
accounts · AA
2024-01-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-06-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-06-05
accounts-with-accounts-type-small
accounts · AA
2023-01-17
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-08