A.F.A. LIMITED

🌳Matureactive
01657606 · ltd · incorporated 1982-08-11
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 21.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£450.1k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Risk and damage evaluation
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 21.8y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 21.8 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (71/100)

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

Company profile
address, 1 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
11 officers (2 active, 11 linked, 6 with DOB)
81
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
132 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £450,092

Key financials

1 year extracted from filed iXBRL accounts
Cash
£19k
Net Worth
£450k
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-31
Cash£18.9k
Net assets£450.1k

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

🔒Filing-note intelligence

3 signals 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
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
  1. 2025-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-23
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  3. 2024-11-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2024-11-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2024-11-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  6. 2024-11-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2024-11-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2024-11-06
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  9. 2024-11-06
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  10. 2024-10-30
    ➕
    LAVELLE, Nicholas appointed
    director
  11. 2024-10-29
    ➕
    WERFF, Cornelis appointed
    director
  12. 2024-10-29
    ➖
    MOORE, Rebecca resigned
    secretary
  13. 2024-10-29
    ➖
    BALL, Simon resigned
    director
  14. 2024-10-01
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  15. 2024-10-01
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  16. 2024-08-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2023-08-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2022-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2022-06-16
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  20. 2022-05-30
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  21. 2022-05-30
    🔓
    Charge satisfied #1
  22. 2021-11-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2021-07-29
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  24. 2020-10-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  25. 2010-05-27
    ➕
    MOORE, Rebecca appointed
    secretary
  26. 2010-04-06
    ➖
    MAIR, Lesley Susan resigned
    secretary
  27. 2010-04-06
    ➖
    MAIR, Lesley Susan resigned
    director
  28. 2004-12-20
    ➖
    THOMAS, Pierre Sydney resigned
    director
  29. 2004-08-10
    🔒
    Charge registered #1
    Lender: Barclays Bank PLC
  30. 2003-03-31
    ➕
    MAIR, Lesley Susan appointed
    secretary
  31. 2003-03-31
    ➖
    THOMAS, Pierre Sydney resigned
    secretary
  32. 2001-08-16
    ➖
    BALL, Simon resigned
    secretary
  33. 2001-08-16
    ➕
    THOMAS, Pierre Sydney appointed
    secretary
  34. 1999-06-30
    ➕
    BALL, Simon appointed
    secretary
  35. 1999-06-30
    ➖
    CHARTERTON, Julie resigned
    secretary
  36. 1999-06-30
    ➕
    BALL, Simon appointed
    director
  37. 1999-04-01
    ➕
    MAIR, Lesley Susan appointed
    director
  38. 1998-09-19
    ➖
    CHARTERTON, Julie resigned
    director
  39. 1982-08-11
    🏢
    Company incorporated
    As A.F.A. LIMITED

Owner dependency

66/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

46/100
Moderate signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Cornelis Werff
Individual · Dutch · DOB 11/1965 · age 61
75–100%
—75-100% shares29/10/2024
2 historic (ceased) PSCs
  • Mrs Rebecca Mooreceased 29/10/2024· 75-100% shares · 75-100% voting
  • Mr Simon Ballceased 27/09/2024· 50-75% shares · 50-75% voting

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

6 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
Incorporated1982-08-11
Jurisdictionengland-wales
Primary SIC66210 — Risk and damage evaluation

Registered office

Nexus House
2 Cray Road
Sidcup
Kent
DA14 5DA
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-08-15
Last: 2025-08-01

Officers (2 active · 9 resigned)

LAVELLE, Nicholas→
director · ~50y · appointed 2024-10-30
View their other companies + combined net worth →
Active
WERFF, Cornelis→
director · ~61y · appointed 2024-10-29
View their other companies + combined net worth →
Active
BALL, Simon→
secretary · appointed 1999-06-30 · resigned 2001-08-16
Resigned
CHARTERTON, Julie→
secretary · resigned 1999-06-30
Resigned
MAIR, Lesley Susan→
secretary · appointed 2003-03-31 · resigned 2010-04-06
Resigned
MOORE, Rebecca→
secretary · appointed 2010-05-27 · resigned 2024-10-29
Resigned
THOMAS, Pierre Sydney→
secretary · appointed 2001-08-16 · resigned 2003-03-31
Resigned
BALL, Simon→
director · ~61y · appointed 1999-06-30 · resigned 2024-10-29
Resigned
CHARTERTON, Julie→
director · ~68y · resigned 1998-09-19
Resigned
MAIR, Lesley Susan→
director · ~76y · appointed 1999-04-01 · resigned 2010-04-06
Resigned
THOMAS, Pierre Sydney→
director · ~83y · resigned 2004-12-20
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Barclays
Barclays Bank PLC
Debenture1 property10/08/200430/05/2022

Recent filings (132 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-30
confirmation-statement-with-updates
confirmation-statement · CS01
2025-08-06
change-account-reference-date-company-current-shortened
accounts · AA01
2024-12-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-11-08
appoint-person-director-company-with-name-date
officers · AP01
2024-11-06
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-11-06
appoint-person-director-company-with-name-date
officers · AP01
2024-11-06
termination-director-company-with-name-termination-date
officers · TM01
2024-11-06
termination-secretary-company-with-name-termination-date
officers · TM02
2024-11-06
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-11-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-01
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-10-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-23
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-14