1ARDG LTD
- · Oldest live charge 3.5y old — refinance window within 12 months
Opportunity 71/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).
Refinance opportunity
2 live charges · oldest 3.5y
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~3.5 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £795.1k | £790.8k |
| Current assets | £364.2k | £349.4k |
| Net assets | £-65.7k | £-70.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (10 events)Click to expand
- 2025-07-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-08-11🔒Charge registered #2Lender: Castle Trust Capital PLC
- 2022-12-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-12-15🔒Charge registered #1Lender: Castle Trust Capital PLC
- 2022-10-28🏢Company incorporatedAs 1ARDG LTD
- 2022-10-28➕MISTRY, Tejas appointeddirector
- 2022-10-28➕SONEJI, Shahil appointeddirector
- 2022-10-28📄incorporation-companyincorporation · NEWINC
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanGroup structure
2 corporate shareholders identified. Group structure is distributed.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Living Light Holdings Limited Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/10/2022 |
Speckle Properties Ltd Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/10/2022 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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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 →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
Registered office
Filing status
Officers (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Castle Trust Capital Castle Trust Capital PLC | A registered charge | 1 property | 11/08/2023 | — | |
| outstanding | Castle Trust Capital Castle Trust Capital PLC | A registered charge | 1 property | 15/12/2022 | — |