AUTOMOBILE ASSOCIATION PERSONAL FINANCE LIMITED
🌳Matureactive
01772586 · ltd · incorporated 1983-11-24
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 40.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 40.5y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 40.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (59/100)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
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
82 officers (3 active, 82 linked, 69 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
309 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (171 events)Click to expand
- 2025-11-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-06-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-06-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-18➖GOGOI, Hiral resigneddirector
- 2025-06-17➕SUBBRAMONEY, Praven appointeddirector
- 2025-05-12📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-01-09📄accounts-with-accounts-type-fullaccounts · AA
- 2023-12-08📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2023-07-07📄accounts-with-accounts-type-fullaccounts · AA
- 2023-03-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-03-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-01➕AMBANI, Anish Bipin appointeddirector
- 2023-02-24➖PEREZ, Israel Santos resigneddirector
- 2023-01-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-01-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-01-09➖CORFIELD, Elyn Jane resigneddirector
- 2023-01-09➕GOGOI, Hiral appointeddirector
- 2022-09-29📄accounts-with-accounts-type-fullaccounts · AA
- 2021-07-27📄accounts-with-accounts-type-fullaccounts · AA
- 2020-11-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-11-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-11-02➖BAYLEY, Sara Jayne resigneddirector
- 2020-11-02➕CORFIELD, Elyn Jane appointeddirector
- 2020-10-13📄accounts-with-accounts-type-fullaccounts · AA
- 2020-03-20📄change-person-director-company-with-change-dateofficers · CH01
- 2019-11-06📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2017-10-20➖BRINDLEY, Alan Robert resigneddirector
- 2017-10-20➕PEREZ, Israel Santos appointeddirector
- 2017-09-21➕MULHOLLAND, Alison Elizabeth appointedsecretary
- 2017-09-21➖JOHNSON, Michelle Antoinette Angela resignedsecretary
- 2017-09-21➕BAYLEY, Sara Jayne appointeddirector
- 2017-09-21➖NOAKES, Stephen John resigneddirector
- 2017-05-26➕BRINDLEY, Alan Robert appointeddirector
- 2017-05-26➖PEREZ, Israel Santos resigneddirector
- 2016-01-13➕JOHNSON, Michelle Antoinette Angela appointedsecretary
- 2015-12-07➖HENNESSEY, David Dermot resignedsecretary
- 2015-08-24➖JAMIESON, Paul Nelson resigneddirector
- 2015-08-24➕NOAKES, Stephen John appointeddirector
- 2015-08-24➕PEREZ, Israel Santos appointeddirector
- 2015-08-24➖STUDDS, Bernard Anthony John resigneddirector
- 2015-03-11➕HENNESSEY, David Dermot appointedsecretary
- 2015-03-06➖JOHNSON, Michelle Antoinette Angela resignedsecretary
- 2014-10-29➖GITTINS, Paul resignedsecretary
- 2014-10-29➕JOHNSON, Michelle Antoinette Angela appointedsecretary
- 2011-11-25➕GITTINS, Paul appointedsecretary
- 2011-11-25➖LOCKWOOD, Angela resignedsecretary
- 2011-07-07➖HILLIARD, Brett Jonathen resigneddirector
- 2010-03-24➖GALLEY, Russell resigneddirector
- 2010-03-24➕HILLIARD, Brett Jonathen appointeddirector
- 2010-01-04➖TRAFFORD, Howard Ian resigneddirector
Showing most recent 50 of 171 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Bank Of Scotland Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Bank Of Scotland Plc
Corporate parent · holds 75-100% shares · board control
⬇
AUTOMOBILE ASSOCIATION PERSONAL FINANCE LIMITED
This company · 01772586
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Bank Of Scotland Plc Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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 · Financial services · HX postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| COVÉA LIFE LIMITED→ 00911235 · est 1967 · no financials extracted | — | — | — | — | 58y | — | — |
| CRAVEN SECURITIES LTD→ 14657546 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| DC FINANCIAL PLANNING LIMITED→ 15601491 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| DNA FINANCIAL SOLUTIONS LIMITED→ 10619493 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| DNA PROTECT LIMITED→ 13657289 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ECKERSLEY PROPERTIES LIMITED→ 16995614 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| EFFECTIVE PENSION MANAGEMENT LIMITED→ 07584055 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| ELMET INVESTMENTS→ 10126652 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ESW AUDIT SERVICES LIMITED→ 08507551 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| EVERY STEP FINANCIAL SERVICES LTD→ 14345536 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| FIGTREE FINANCIAL LIMITED→ 12612148 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FIRST RETAIL FINANCE (CHESTER) LTD→ 02964970 · est 1994 · no financials extracted | — | — | — | — | 31y | — | — |
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
Incorporated1983-11-24
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Trinity Road
Halifax
West Yorkshire
HX1 2RG
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-12-26
Last: 2025-12-12
Officers (3 active · 79 resigned)
MULHOLLAND, Alison Elizabeth→
Activesecretary · appointed 2017-09-21
View their other companies + combined net worth →
AMBANI, Anish Bipin→
Activedirector · ~49y · appointed 2023-03-01
View their other companies + combined net worth →
SUBBRAMONEY, Praven→
Activedirector · ~46y · appointed 2025-06-17
View their other companies + combined net worth →
GITTINS, Paul→
Resignedsecretary · appointed 2011-11-25 · resigned 2014-10-29
HARRISON, Maxine Louise→
Resignedsecretary · appointed 1998-01-30 · resigned 2001-12-31
HENNESSEY, David Dermot→
Resignedsecretary · appointed 2015-03-11 · resigned 2015-12-07
JOHNSON, Michelle Antoinette Angela→
Resignedsecretary · appointed 2016-01-13 · resigned 2017-09-21
JOHNSON, Michelle Antoinette Angela→
Resignedsecretary · appointed 2014-10-29 · resigned 2015-03-06
LAKIN, Helen Mary→
Resignedsecretary · appointed 2000-06-01 · resigned 2001-12-14
LOCKWOOD, Angela→
Resignedsecretary · appointed 2006-06-13 · resigned 2011-11-25
MAYER, Sally→
Resignedsecretary · appointed 2001-12-31 · resigned 2006-06-13
MURPHY, Thomas Jerome Peter→
Resignedsecretary · appointed 2001-12-31 · resigned 2004-11-08
NIXON, Raymond→
Resignedsecretary · resigned 2000-05-31
SKEEN, Colin Jeffrey→
Resignedsecretary · resigned 1998-01-30
SOBO, Femi→
Resignedsecretary · appointed 2003-03-27 · resigned 2003-12-24
ASHTON, Stephen David→
Resigneddirector · ~63y · appointed 2007-09-20 · resigned 2009-10-15
BAYLEY, Sara Jayne→
Resigneddirector · ~57y · appointed 2017-09-21 · resigned 2020-11-02
BOWYER, Robert Edwin→
Resigneddirector · ~76y · resigned 1995-01-20
BRINDLEY, Alan Robert→
Resigneddirector · ~59y · appointed 2017-05-26 · resigned 2017-10-20
BRISCOE, Andrew Mark→
Resigneddirector · ~66y · appointed 1999-11-17 · resigned 2000-10-30
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Fixed charge | 1 property | 20/12/1985 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (309 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-13
accounts-with-accounts-type-dormant
accounts · AA
2025-11-13
appoint-person-director-company-with-name-date
officers · AP01
2025-06-26
termination-director-company-with-name-termination-date
officers · TM01
2025-06-24
change-person-secretary-company-with-change-date
officers · CH03
2025-05-12
accounts-with-accounts-type-full
accounts · AA
2025-01-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-18
change-account-reference-date-company-current-extended
accounts · AA01
2023-12-08
accounts-with-accounts-type-full
accounts · AA
2023-07-07
termination-director-company-with-name-termination-date
officers · TM01
2023-03-03
appoint-person-director-company-with-name-date
officers · AP01
2023-03-02
termination-director-company-with-name-termination-date
officers · TM01
2023-01-11
appoint-person-director-company-with-name-date
officers · AP01
2023-01-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-12