AFH INDEPENDENT FINANCIAL SERVICES LIMITED
🌳Matureactive
04049180 · ltd · incorporated 2000-08-08
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 6.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 68-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (88/100).
🏦
Refinance opportunity
4 live charges · 2 lenders · oldest 6.6y
80/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 6.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 20/100 — clean.
- · Profitable and stable/growing — lender coverage supportable.
Data confidence
Overall: medium (76/100)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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
15 officers (4 active, 15 linked, 10 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
29 connected companies via shared directors
90
Filing history
104 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →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
85
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 101Profitable
Profit before tax £26,054,012
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 101| Metric | 2024-10-31 |
|---|---|
| Profit before tax | £26.05M |
| Average employees | 56000 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 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
2
filings
- • 2 officers
Counts from Companies House filing history.
Corporate timeline (52 events)Click to expand
- 2026-01-14📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-14📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-25📄accounts-with-accounts-type-fullaccounts · AA
- 2024-05-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-20🔒Charge registered #4Lender: Ares Management Limited
- 2024-02-20📄accounts-with-accounts-type-fullaccounts · AA
- 2023-11-03➖BROWN, Anne-Marie resignedsecretary
- 2023-11-03📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-07-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-06-30➖WRIGHT, Paul Keith resigneddirector
- 2023-06-15➕ROBINSON, Hayden David appointeddirector
- 2023-06-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-02-13📄accounts-with-accounts-type-fullaccounts · AA
- 2022-04-07📄accounts-with-accounts-type-fullaccounts · AA
- 2021-09-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-09-23🔒Charge registered #3Lender: Ares Management Limited
- 2021-07-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-07-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-07-08🔓Charge satisfied #2
- 2021-07-08🔓Charge satisfied #1
- 2021-03-09📄accounts-with-accounts-type-fullaccounts · AA
- 2021-01-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-01-15🔒Charge registered #2Lender: Hsbc Bank PLC
- 2020-04-07📄accounts-with-accounts-type-fullaccounts · AA
- 2020-02-17➖BROWN, Anne Marie resigneddirector
- 2020-02-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-12-02➕BROAD, Austin David appointeddirector
- 2019-12-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-11-26📄resolutionresolution · RESOLUTIONS
- 2019-11-07🔒Charge registered #1Lender: Hsbc Bank PLC
- 2016-02-12➕WRIGHT, Paul Keith appointeddirector
- 2011-06-23➕LARVIN, Alexis appointeddirector
- 2011-06-23➕BROWN, Anne Marie appointeddirector
- 2010-09-03➕BROWN, Anne-Marie appointedsecretary
- 2010-09-03➖WHEATLEY, John Stefan resignedsecretary
- 2008-11-17➖HUDSON, Fiona Margaret resignedsecretary
- 2008-11-17➕WHEATLEY, John Stefan appointedsecretary
- 2003-01-31➖HUDSON, Alan resignedsecretary
- 2003-01-31➕HUDSON, Fiona Margaret appointedsecretary
- 2003-01-29➖GRAINGER, Richard John resigneddirector
- 2002-05-14➖ADAMS, Peter resigneddirector
- 2001-09-01➖AMOS, John Leslie resigneddirector
- 2000-08-08🏢Company incorporatedAs AFH INDEPENDENT FINANCIAL SERVICES LIMITED
- 2000-08-08➕HUDSON, Alan appointeddirector
- 2000-08-08➕BREWER, Suzanne appointednominee-secretary
- 2000-08-08➖BREWER, Suzanne resignednominee-secretary
- 2000-08-08➕HUDSON, Alan appointedsecretary
- 2000-08-08➕ADAMS, Peter appointeddirector
- 2000-08-08➕AMOS, John Leslie appointeddirector
- 2000-08-08➕BREWER, Kevin, Dr appointednominee-director
Showing most recent 50 of 52 events
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
70/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Afh Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Afh Group Limited
Corporate parent · holds 75-100% shares
⬇
AFH INDEPENDENT FINANCIAL SERVICES LIMITED
This company · 04049180
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 |
|---|---|---|---|---|
Afh Group Limited Corporate entity | 75–100% | — | 75-100% shares | 08/08/2016 |
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 · B postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ADVANCE CAPITAL INVESTMENT LTD→ 15813464 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADVANCED INSURANCE CONSULTANTS LIMITED→ 04918171 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| ADVANTAGE FINANCE LIMITED→ 03773673 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| ADVICE WISE LTD→ 11678145 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AE AUTO ENROLMENT LIMITED→ 09310563 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| AEX CONSULTANCY LIMITED→ 09824103 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| AFFINITY BUSINESS SERVICES LIMITED→ 04276804 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| AGE CONCERN SOLIHULL TRADING LIMITED→ 02908140 · est 1994 · no financials extracted | — | — | — | — | 32y | — | — |
| AGR ACQUISITIONS LTD→ 12048090 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| AI5 INVESTMENTS LIMITED→ 11629650 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AILES MORTGAGE SOLUTIONS LTD→ 12934725 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AIREDALE INVESTMENT HOLDINGS→ 17037038 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated2000-08-08
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Afh House Buntsford Drive
Stoke Heath
Bromsgrove
Worcestershire
B60 4JE
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-08-06
Last: 2025-07-23
Officers (4 active · 11 resigned)
BROAD, Austin David→
Activedirector · ~63y · appointed 2019-12-02
View their other companies + combined net worth →
HUDSON, Alan→
Activedirector · ~68y · appointed 2000-08-08
View their other companies + combined net worth →
LARVIN, Alexis→
Activedirector · ~44y · appointed 2011-06-23
View their other companies + combined net worth →
ROBINSON, Hayden David→
Activedirector · ~56y · appointed 2023-06-15
View their other companies + combined net worth →
BREWER, Suzanne→
Resignednominee-secretary · appointed 2000-08-08 · resigned 2000-08-08
BROWN, Anne-Marie→
Resignedsecretary · appointed 2010-09-03 · resigned 2023-11-03
HUDSON, Alan→
Resignedsecretary · appointed 2000-08-08 · resigned 2003-01-31
HUDSON, Fiona Margaret→
Resignedsecretary · appointed 2003-01-31 · resigned 2008-11-17
WHEATLEY, John Stefan→
Resignedsecretary · appointed 2008-11-17 · resigned 2010-09-03
ADAMS, Peter→
Resigneddirector · ~77y · appointed 2000-08-08 · resigned 2002-05-14
AMOS, John Leslie→
Resigneddirector · ~68y · appointed 2000-08-08 · resigned 2001-09-01
BREWER, Kevin, Dr→
Resignednominee-director · ~74y · appointed 2000-08-08 · resigned 2000-08-08
BROWN, Anne Marie→
Resigneddirector · ~58y · appointed 2011-06-23 · resigned 2020-02-17
GRAINGER, Richard John→
Resigneddirector · ~74y · appointed 2000-08-08 · resigned 2003-01-29
WRIGHT, Paul Keith→
Resigneddirector · ~69y · appointed 2016-02-12 · resigned 2023-06-30
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
2
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Ares Management Ares Management Limited | A registered charge | 1 property | 20/05/2024 | — | |
| outstanding | Ares Management Ares Management Limited | A registered charge | 1 property | 23/09/2021 | — | |
| satisfied | HSBC Hsbc Bank PLC | A registered charge | — | 15/01/2021 | 08/07/2021 | |
| satisfied | HSBC Hsbc Bank PLC | A registered charge | 1 property | 07/11/2019 | 08/07/2021 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (104 total)
change-person-director-company-with-change-date
officers · CH01
2026-01-14
change-person-director-company-with-change-date
officers · CH01
2026-01-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-11
accounts-with-accounts-type-full
accounts · AA
2025-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-24
accounts-with-accounts-type-full
accounts · AA
2024-02-20
termination-secretary-company-with-name-termination-date
officers · TM02
2023-11-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-31
termination-director-company-with-name-termination-date
officers · TM01
2023-07-04
appoint-person-director-company-with-name-date
officers · AP01
2023-06-15
accounts-with-accounts-type-full
accounts · AA
2023-02-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-12
accounts-with-accounts-type-full
accounts · AA
2022-04-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-09-27