AFL CREDIT & FINANCE LIMITED

💤Zombieactive
04223936 · ltd · incorporated 2001-05-29
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
🔔
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What this business does
Primary activity: Management consultancy activities other than financial management
Sector: Professional, scientific & technical
Investor take
Pursue
Active trading company with a 74-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (93/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 22.0y

15/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 22.0 years old — likely at or near maturity.
  • · 3 lenders named — inter-creditor friction likely.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (79/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
8 officers (2 active, 8 linked, 4 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
80 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31

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
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
  1. 2025-12-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-05-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2023-12-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-12-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-03-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-03-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2019-12-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-12-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2018-07-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2018-07-26
    🔓
    Charge satisfied #3
  13. 2017-12-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-12-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2017-07-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  16. 2017-07-14
    🔓
    Charge satisfied #1
  17. 2016-12-19
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2007-03-20
    🔓
    Charge satisfied #2
  19. 2007-03-09
    🔒
    Charge registered #3
    Lender: Mr Andrew Brown and Mjf Trustees LTD
  20. 2006-12-07
    ➖
    WHITE, Peter resigned
    secretary
  21. 2006-10-16
    🔒
    Charge registered #2
    Lender: Mr Andrew Brown
  22. 2006-10-04
    ➕
    INGHAM, Julia Alison appointed
    secretary
  23. 2006-10-04
    ➖
    FIRTH, William Howard resigned
    director
  24. 2006-10-04
    ➖
    HOLLAND, David resigned
    director
  25. 2006-10-04
    ➖
    WHITE, Peter resigned
    director
  26. 2004-06-04
    🔒
    Charge registered #1
    Lender: Norwich and Peterborough Building Society
  27. 2004-05-30
    ➕
    WHITE, Peter appointed
    director
  28. 2004-02-02
    ➕
    HOLLAND, David appointed
    director
  29. 2001-06-07
    ➕
    INGHAM, Brian Lawrence appointed
    director
  30. 2001-06-07
    ➕
    WHITE, Peter appointed
    secretary
  31. 2001-06-07
    ➕
    FIRTH, William Howard appointed
    director
  32. 2001-06-01
    ➖
    FORM 10 SECRETARIES FD LTD resigned
    corporate-nominee-secretary
  33. 2001-06-01
    ➖
    FORM 10 DIRECTORS FD LTD resigned
    corporate-nominee-director
  34. 2001-05-29
    🏢
    Company incorporated
    As AFL CREDIT & FINANCE LIMITED
  35. 2001-05-29
    ➕
    FORM 10 SECRETARIES FD LTD appointed
    corporate-nominee-secretary
  36. 2001-05-29
    ➕
    FORM 10 DIRECTORS FD LTD appointed
    corporate-nominee-director

Owner dependency

100/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 74 — succession pressure is live.

Succession & seller-readiness

100/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • 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
medium

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

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Brian Lawrence Ingham
Individual · British · DOB 01/1952 · age 74
50–75%
—50-75% shares01/06/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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
Incorporated2001-05-29
Jurisdictionengland-wales
Primary SIC70229 — Management consultancy activities other than financial management

Registered office

Arran
Yew Tree Road
Grange-Over-Sands
LA11 7AA
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-29
Last: 2025-12-15

Officers (2 active · 6 resigned)

INGHAM, Julia Alison→
secretary · appointed 2006-10-04
View their other companies + combined net worth →
Active
INGHAM, Brian Lawrence→
director · ~74y · appointed 2001-06-07
View their other companies + combined net worth →
Active
WHITE, Peter→
secretary · appointed 2001-06-07 · resigned 2006-12-07
Resigned
FORM 10 SECRETARIES FD LTD→
corporate-nominee-secretary · appointed 2001-05-29 · resigned 2001-06-01
Resigned
FIRTH, William Howard→
director · ~71y · appointed 2001-06-07 · resigned 2006-10-04
Resigned
HOLLAND, David→
director · ~75y · appointed 2004-02-02 · resigned 2006-10-04
Resigned
WHITE, Peter→
director · ~73y · appointed 2004-05-30 · resigned 2006-10-04
Resigned
FORM 10 DIRECTORS FD LTD→
corporate-nominee-director · appointed 2001-05-29 · resigned 2001-06-01
Resigned

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

Mortgages & charges

3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Mr Andrew Brown and Mjf Trustees
Mr Andrew Brown and Mjf Trustees LTD
Legal charge1 property09/03/200726/07/2018
satisfied
Mr Andrew Brown
Legal charge1 property16/10/200620/03/2007
satisfied
Norwich and Peterborough Building Society
Mortgage deed1 property04/06/200414/07/2017

Recent filings (80 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-23
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-22
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-03-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-14