ARROWHEAD FINANCIAL LTD
Opportunity 72/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
Refinance opportunity
1 live charge · oldest 1.6y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 1.6 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · 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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £68.7k | £53.4k |
| Current assets | £84.0k | £66.0k |
| Cash | £41.8k | £37.9k |
| Debtors | £42.1k | £28.1k |
| Net assets | £68.7k | £53.4k |
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
- • 1 accounts
- • 1 accounts
- • 1 accounts
Corporate timeline (14 events)Click to expand
- 2026-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-10-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-30🔒Charge registered #1Lender: Ifs Smaller Loans LP Acting by Its General Partner Dsl Ifs Smaller Loans Gp Limited
- 2024-03-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-03-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-10-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-10-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-06-18🏢Company incorporatedAs ARROWHEAD FINANCIAL LTD
- 2021-06-18➕CHALMERS, Gavin appointeddirector
- 2021-06-18📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Gavin Chalmers Individual · Scottish · DOB 02/1997 · age 29 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 18/06/2021 |
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
Active · Financial services · ML postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ANNIE DUNCAN LTD.→ SC289895 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ARCHIBALD MACINNES AND COMPANY LIMITED→ SC031316 · est 1956 · no financials extracted | — | — | — | — | 70y | — | — |
| BRADLEY FINANCIAL PLANNING LTD→ SC573878 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CALEDONIA CAPITAL LIMITED→ SC719417 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CJ FINANCIAL MANAGEMENT LIMITED→ SC876542 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CJ JACKSON LTD→ SC880550 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CJS MORTGAGE & PROTECT LTD→ SC875524 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CLYDE FINANCIAL LTD→ SC764315 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CLYDEVALLEY FINANCIAL SOLUTIONS LIMITED→ SC336573 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| COLLINS FINANCIAL LTD.→ SC589497 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| CRAIG JOHNSTON ASSET MANAGEMENT LIMITED→ SC253561 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| CS FIC ONE LIMITED→ SC624187 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
8 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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Ifs Smaller Loans LP Acting by Its General Partner Dsl Ifs Smaller Loans Gp Ifs Smaller Loans LP Acting by Its General Partner Dsl Ifs Smaller Loans Gp Limited | A registered charge | — | 30/09/2024 | — |