ARTHUR PROPERTY DEVELOPMENTS LTD

🌿Early-stageactive
SC800072 · ltd · incorporated 2024-02-22
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
—
book net assets
Opportunity
62/100
Worth a look
🔔
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Worth a look
Property-backed borrower. Reasonable fundamentals — worth a memo before deciding.

Opportunity 62/100 (worth a look), 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. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

12 live charges · 5 lenders · oldest 1.7y

0/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Newest facility, 1.7 years old — likely still in initial term.
  • · 5 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (73/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
12 charges (12/12 with lender, 12/12 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
26 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
62/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
50
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-02-28
Average employees0

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
1
filing
  • • 1 mortgage
Last 90 days
5
filings
  • • 4 mortgage
  • • 1 confirmation-statement
Last 180 days
12
filings
  • • 10 mortgage
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
  1. 2026-03-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  2. 2026-03-31
    🔓
    Charge satisfied #7
  3. 2026-02-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2026-02-17
    🔒
    Charge registered #12
    Lender: Aldermore Bank PLC
  5. 2026-02-09
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2026-02-09
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2026-02-09
    🔓
    Charge satisfied #6
  8. 2026-02-09
    🔓
    Charge satisfied #5
  9. 2025-11-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2025-11-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2025-11-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2025-11-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2025-11-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2025-11-17
    🔒
    Charge registered #9
    Lender: Lendinvest Security Trustees Limited
  15. 2025-11-14
    🔒
    Charge registered #8
    Lender: Lendinvest Security Trustees Limited
  16. 2025-11-12
    🔒
    Charge registered #11
    Lender: Aldermore Bank PLC
  17. 2025-11-12
    🔒
    Charge registered #10
    Lender: Aldermore Bank PLC
  18. 2025-11-07
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  19. 2025-11-07
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  20. 2025-11-07
    🔓
    Charge satisfied #4
  21. 2025-11-07
    🔓
    Charge satisfied #3
  22. 2025-09-15
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  23. 2025-09-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  24. 2025-09-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  25. 2025-09-09
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  26. 2025-09-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  27. 2025-09-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  28. 2025-08-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  29. 2025-08-29
    🔒
    Charge registered #7
    Lender: Lendinvest Security Trustees Limited
  30. 2025-08-28
    🔒
    Charge registered #6
    Lender: Lendinvest Security Trustees Limited
  31. 2025-08-22
    🔒
    Charge registered #5
    Lender: Lendinvest Security Trustees Limited
  32. 2025-08-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  33. 2025-08-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  34. 2025-07-21
    🔒
    Charge registered #4
    Lender: Shawbrook Bank Limited
  35. 2025-07-21
    🔒
    Charge registered #3
    Lender: Shawbrook Bank Limited
  36. 2025-07-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  37. 2025-07-03
    🔒
    Charge registered #2
    Lender: The Mortgage Works (UK) PLC
  38. 2024-10-21
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  39. 2024-07-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  40. 2024-07-26
    🔒
    Charge registered #1
    Lender: The Mortgage Works (UK) PLC (Registered Number 02222856) Having Their Registered Office at Nationwide House, Pipers Way, Swindon, Wiltshire, SN38 1NW
  41. 2024-02-22
    🏢
    Company incorporated
    As ARTHUR PROPERTY DEVELOPMENTS LTD
  42. 2024-02-22
    ➕
    ARTHUR, Jack Stephen appointed
    director
  43. 2024-02-22
    ➕
    ARTHUR, Lewis Alexander Mcgregor appointed
    director

Owner dependency

86/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "ARTHUR" — strong identity link between founder and business.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +Young company: Only 2.2 years old — management layer unlikely to be developed.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

2 med · 1 low
11 new charges in last 12 months
medium

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

Evidence: 2026-02-17: A registered charge; 2025-11-17: A registered charge; 2025-11-14: A registered charge

Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

7 live charges
low

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

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Lewis Alexander Mcgregor Arthur
Individual · British · DOB 01/2001 · age 25
25–50%
25–50%25-50% shares · 25-50% voting22/02/2024
Mr Jack Stephen Arthur
Individual · British · DOB 09/2002 · age 24
25–50%
25–50%25-50% shares · 25-50% voting22/02/2024

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 →

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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
Incorporated2024-02-22
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

1 Simonsburn Road
Kilmarnock
KA1 5LA
Scotland

Filing status

Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-03-07
Last: 2026-02-21

Officers (2 active · 0 resigned)

ARTHUR, Jack Stephen→
director · ~24y · appointed 2024-02-22
View their other companies + combined net worth →
Active
ARTHUR, Lewis Alexander Mcgregor→
director · ~25y · appointed 2024-02-22
View their other companies + combined net worth →
Active

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

Mortgages & charges

12
Total charges
7
Outstanding
4
Active lenders
Status:Lender:12 of 12 shown
TypeProperties
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property17/02/2026—
outstanding
LendInvest
Lendinvest Security Trustees Limited
A registered charge1 property17/11/2025—
outstanding
LendInvest
Lendinvest Security Trustees Limited
A registered charge1 property14/11/2025—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property12/11/2025—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property12/11/2025—
satisfied
LendInvest
Lendinvest Security Trustees Limited
A registered charge1 property29/08/202531/03/2026
satisfied
LendInvest
Lendinvest Security Trustees Limited
A registered charge1 property28/08/202509/02/2026
satisfied
LendInvest
Lendinvest Security Trustees Limited
A registered charge1 property22/08/202509/02/2026
satisfied
Shawbrook
Shawbrook Bank Limited
A registered charge2 properties21/07/202507/11/2025
satisfied
Shawbrook
Shawbrook Bank Limited
A registered charge2 properties21/07/202507/11/2025
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge2 properties03/07/2025—
outstanding
The Mortgage Works (UK) (Registered Number 02222856) Having Their Registered Office at Nationwide House, Pipers Way, Swindon, Wiltshire, SN38 1NW
The Mortgage Works (UK) PLC (Registered Number 02222856) Having Their Registered Office at Nationwide House, Pipers Way, Swindon, Wiltshire, SN38 1NW
A registered charge1 property26/07/2024—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (26 total)

mortgage-satisfy-charge-full
mortgage · MR04
2026-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-26
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-09
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-18
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-07
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-09