ARC PROPERTY SOLUTIONS LTD
Opportunity 71/100 (strong), bankability 47/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
5 live charges · 3 lenders · oldest 0.9y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 0.9 years old — likely still in initial term.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (58/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 miscellaneous
- • 3 mortgage
- • 1 confirmation-statement
- • 1 miscellaneous
Corporate timeline (19 events)Click to expand
- 2026-04-20📄legacymiscellaneous · RPCH01
- 2025-12-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-23🔒Charge registered #5Lender: Cumbria Community Asset & Reinvestment Trust LTD
- 2025-12-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-17🔒Charge registered #4Lender: Reward Finance Group Limited
- 2025-12-17🔒Charge registered #3Lender: Reward Finance Group Limited
- 2025-08-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-15🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2025-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-11🔒Charge registered #1Lender: Together Commercial Finance Limited
- 2025-02-20📄resolutionresolution · RESOLUTIONS
- 2025-02-20📄memorandum-articlesincorporation · MA
- 2025-02-10🏢Company incorporatedAs ARC PROPERTY SOLUTIONS LTD
- 2025-02-10➕CROZIER, Allan appointeddirector
- 2025-02-10➕CROZIER, Dean appointeddirector
- 2025-02-10➕CROZIER, Jeanette appointeddirector
- 2025-02-10➕CROZIER, Rachel appointeddirector
- 2025-02-10📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +Young company: Only 1.3 years old — management layer unlikely to be developed.
Red flags
1 med · 1 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-12-23: A registered charge; 2025-12-17: A registered charge; 2025-12-17: A registered charge
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Allan Crozier Individual · British · DOB 08/1973 · age 53 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 10/02/2025 |
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.
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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 →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 (4 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Cumbria Community Asset & Reinvestment Trust Cumbria Community Asset & Reinvestment Trust LTD | A registered charge | — | 23/12/2025 | — | |
| outstanding | Reward Finance Group Reward Finance Group Limited | A registered charge | 1 property | 17/12/2025 | — | |
| outstanding | Reward Finance Group Reward Finance Group Limited | A registered charge | 1 property | 17/12/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 15/08/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 11/07/2025 | — |