AND ORR HOMES LTD

💤Zombieactive

SC700820 · ltd · incorporated 2021-06-07

Investment thesis

Zombie company — trading but stalled; unlikely mover.

Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.

Why risky: No growth signal; thin margin for error on price.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Feb 2025

Net worth

£-75.2k

book net assets

Opportunity

66/100

Strong

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What this business does

Primary activity: Other letting and operating of own or leased real estate

Sector: Real estate

Investor take

Pass (distressed without resilience)

Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 66/100 (strong), bankability 52/100. 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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

9 live charges · 3 lenders · oldest 4.1y

5/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Charge age ~4.1 years — mid-life; refi window approaching.
· 3 lenders named — inter-creditor friction likely.
· Distress signals active — lender appetite narrows.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

9 charges (9/9 with lender, 9/9 with type)

Directors & officers

1 officers (1 active, 1 linked, 1 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

1 connected companies via shared directors

Filing history

20 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

66/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Negative net assets

Liabilities exceed assets by £75,196

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

-£75k

↓ 5.4% YoY

Current Assets

£4k

↑ 78% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-02-28	2024-02-29
Total assets	£127.4k	£131.3k
Current assets	£4.1k	£2.3k
Net assets	£-75.2k	£-71.4k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days

filing

• 1 mortgage

Last 90 days

filings

• 3 mortgage

Last 180 days

filings

• 3 mortgage
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (28 events)Click to expand

2026-04-10
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-09
🔒
Charge registered #9
Lender: Together Commercial Finance Limited
2026-02-14
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-14
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-06
🔒
Charge registered #7
Lender: Together Commercial Finance Limited
2026-01-30
🔒
Charge registered #8
Lender: Together Commercial Finance Limited
2025-11-20
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-07
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-07
🔓
Charge satisfied #3
2024-01-24
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-23
🔒
Charge registered #6
Lender: Lendinvest Btl Limited
2023-11-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-06
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-18
🔒
Charge registered #5
Lender: Lendinvest Btl Limited
2023-09-13
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-12
🔒
Charge registered #4
Lender: Together Commercial Finance Limited
2023-05-11
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-05-10
🔒
Charge registered #3
Lender: Together Commercial Finance Limited
2023-04-28
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-04-28
🔒
Charge registered #2
Lender: Together Commercial Finance Limited
2022-11-29
📄
accounts-with-accounts-type-dormant
accounts · AA
2022-11-29
📄
change-account-reference-date-company-previous-shortened
accounts · AA01
2022-04-08
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-22
🔒
Charge registered #1
Lender: The Mortgage Works (UK) PLC
2021-06-07
🏢
Company incorporated
As AND ORR HOMES LTD
2021-06-07
➕
LARKIN, Andrew Thomas appointed
director
2021-06-07
📄
incorporation-company
incorporation · NEWINC

Owner dependency

75/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

+Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

45/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

1 med · 1 low

3 new charges in last 12 months

medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2026-04-09: A registered charge; 2026-02-06: A registered charge; 2026-01-30: A registered charge

8 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr Andrew Thomas Larkin Individual · British · DOB 04/1997 · age 29	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	07/06/2021

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 · Property · G postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ALLAN PROPERTY LTD→ SC657444 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
ALO HOMES LIMITED→ SC748867 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
AM PLUS LETTINGS LTD→ SC818783 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
AMIZ PROPERTIES LTD→ SC742333 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
AMOR CLOE PROPERTIES LTD→ SC809580 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
AMS MANAGEMENT SERVICES LIMITED→ SC593932 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
AN CALA PROPERTIES LIMITED→ SC819196 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ANCHOR INDUSTRIAL HOLDINGS LIMITED→ SC881784 · est 2026 · no financials extracted	—	—	—	—	—	—	—
ANDEENA LTD→ SC848783 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ANDERSON DOE PROPERTY LIMITED→ SC641112 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
ANDERSON HOTEL (2024) LTD→ SC818810 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ANDERSON HOTEL (BEITH) LTD→ SC803136 · est 2024 · no financials extracted	—	—	—	—	2y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

10 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

Incorporated2021-06-07

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

2/1 24 Leven Street

Dumbarton

G82 1QG

Scotland

Filing status

Accounts

Next due: 2026-11-30

Last made up to: 2025-02-28

Confirmation statement

Next due: 2026-07-02

Last: 2025-06-18

Officers (1 active · 0 resigned)

LARKIN, Andrew Thomas→

director · ~29y · appointed 2021-06-07

View their other companies + combined net worth →

Active

Click a director name to see their full track record across all companies.

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:9 of 9 shown

		Type	Properties
outstanding	Together Money Together Commercial Finance Limited	A registered charge	1 property	09/04/2026	—
outstanding	Together Money Together Commercial Finance Limited	A registered charge	1 property	06/02/2026	—
outstanding	Together Money Together Commercial Finance Limited	A registered charge	—	30/01/2026	—
outstanding	LendInvest Lendinvest Btl Limited	A registered charge	1 property	23/01/2024	—
outstanding	LendInvest Lendinvest Btl Limited	A registered charge	1 property	18/09/2023	—
outstanding	Together Money Together Commercial Finance Limited	A registered charge	1 property	12/09/2023	—
satisfied	Together Money Together Commercial Finance Limited	A registered charge	1 property	10/05/2023	07/03/2024
outstanding	Together Money Together Commercial Finance Limited	A registered charge	—	28/04/2023	—
outstanding	The Mortgage Works (UK) The Mortgage Works (UK) PLC	A registered charge	1 property	22/03/2022	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (20 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2026-04-10

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2026-02-14

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2026-02-14

accounts-with-accounts-type-micro-entity

accounts · AA

2025-11-20

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-06-25

accounts-with-accounts-type-micro-entity

accounts · AA

2024-10-22

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-06-20

mortgage-satisfy-charge-full

mortgage · MR04

2024-03-07

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2024-01-24

accounts-with-accounts-type-micro-entity

accounts · AA

2023-11-14

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2023-10-06

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2023-09-13

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-07-01

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2023-05-11

mortgage-create-with-deed-with-charge-number-charge-creation-date

mortgage · MR01

2023-04-28