AFFINITY MORTGAGE SOLUTIONS LIMITED

🌳Matureactive
04565235 · ltd · incorporated 2002-10-17
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
—
book net assets
Opportunity
76/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 76/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (78/100)

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
Confirmed no charges registered
85
Directors & officers
6 officers (4 active, 6 linked, 4 with DOB)
83
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
65 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
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£0Sept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30
Average employees300300

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

Recent activity

Last 30 days
1
filing
  • • 1 confirmation-statement
Last 90 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2026-03-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-03-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-04-02
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-02-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  5. 2023-03-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-03-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-02-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-08-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2020-06-11
    📄
    resolution
    resolution · RESOLUTIONS
  10. 2020-06-11
    📄
    memorandum-articles
    incorporation · MA
  11. 2020-06-11
    📄
    capital-allotment-shares
    capital · SH01
  12. 2020-05-25
    ➕
    GEORGE, Anthony Richard appointed
    director
  13. 2020-01-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2019-06-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2018-06-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2017-03-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2004-10-01
    ➕
    YOUNG, Katherine Sarah Kate appointed
    director
  18. 2004-10-01
    ➖
    YOUNG, Martin resigned
    director
  19. 2002-10-17
    🏢
    Company incorporated
    As AFFINITY MORTGAGE SOLUTIONS LIMITED
  20. 2002-10-17
    ➕
    WINCH, Emily Kate appointed
    secretary
  21. 2002-10-17
    ➕
    WINCH, Paul Robert appointed
    director
  22. 2002-10-17
    ➕
    ALPHA SECRETARIAL LIMITED appointed
    corporate-nominee-secretary
  23. 2002-10-17
    ➖
    ALPHA SECRETARIAL LIMITED resigned
    corporate-nominee-secretary
  24. 2002-10-17
    ➕
    YOUNG, Martin appointed
    director

Owner dependency

60/100
High — earn-out structure required

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

FACTORS
  • +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

60/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 24 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

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

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Anthony Richard George
Individual · British · DOB 03/1984 · age 42
25–50%
25–50%25-50% shares · 25-50% voting01/10/2019
Mrs Katherine Sarah Kate Young
Individual · British · DOB 01/1975 · age 51
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Paul Robert Winch
Individual · British · DOB 06/1974 · age 52
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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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
Incorporated2002-10-17
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

10-12 Oxford Street
Daventry
Northamptonshire
NN11 4AD

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-06-07
Last: 2026-05-24

Officers (4 active · 2 resigned)

WINCH, Emily Kate→
secretary · appointed 2002-10-17
View their other companies + combined net worth →
Active
GEORGE, Anthony Richard→
director · ~42y · appointed 2020-05-25
View their other companies + combined net worth →
Active
WINCH, Paul Robert→
director · ~52y · appointed 2002-10-17
View their other companies + combined net worth →
Active
YOUNG, Katherine Sarah Kate→
director · ~51y · appointed 2004-10-01
View their other companies + combined net worth →
Active
ALPHA SECRETARIAL LIMITED→
corporate-nominee-secretary · appointed 2002-10-17 · resigned 2002-10-17
Resigned
YOUNG, Martin→
director · ~50y · appointed 2002-10-17 · resigned 2004-10-01
Resigned

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

Recent filings (65 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-03
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-26
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-24
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-02
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-02-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-24
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-24
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-24
accounts-with-accounts-type-micro-entity
accounts · AA
2021-02-04
appoint-person-director-company-with-name-date
officers · AP01
2020-08-10
resolution
resolution · RESOLUTIONS
2020-06-11