AFFINITY WATER FINANCE (2004) PLC

🌳Matureactive

05139236 · plc · incorporated 2004-05-27

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

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 13.3y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

74/100

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 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 13.3y

65/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 13.3 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (61/100)

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

40 officers (5 active, 40 linked, 34 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

27 connected companies via shared directors

Filing history

153 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

74/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 officers

Last 180 days

filings

• 2 officers

Counts from Companies House filing history.

Corporate timeline (99 events)Click to expand

2026-04-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-03-31
➖
HASLETT, James Keith resigned
director
2026-01-07
📄
change-person-director-company-with-change-date
officers · CH01
2025-07-22
📄
accounts-with-accounts-type-full
accounts · AA
2025-04-01
➕
PUGSLEY, Simon Anthony Follett appointed
secretary
2025-04-01
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2025-04-01
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-03-31
➖
MAKONI, Patrick resigned
secretary
2025-01-14
📄
change-person-director-company-with-change-date
officers · CH01
2025-01-08
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-01-01
➕
STEPHENS, Adam Peter appointed
director
2024-10-04
➖
ROUGHEAD, Martin resigned
director
2024-10-04
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-07-17
📄
accounts-with-accounts-type-full
accounts · AA
2024-06-10
➖
COX, Andrew resigned
director
2024-06-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-11-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-11-15
➕
COX, Andrew appointed
director
2023-09-25
📄
accounts-with-accounts-type-full
accounts · AA
2023-05-25
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-05-12
➕
WADDINGTON, Adam George appointed
director
2023-05-12
➖
DARDI, Marissa Ann resigned
director
2023-05-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-04-17
➕
ROUGHEAD, Martin appointed
director
2023-04-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-04-03
➖
KAUSHAL, Sunita resigned
secretary
2023-04-03
➕
MAKONI, Patrick appointed
secretary
2023-04-03
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2023-04-03
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2023-02-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-02-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-02-15
➕
DARDI, Marissa Ann appointed
director
2023-02-15
➖
ROSHIER, Angela Louise resigned
director
2023-01-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-01-03
➕
HASLETT, James Keith appointed
director
2022-12-16
➖
LEDGER, Stuart Neil resigned
director
2022-12-16
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-08-02
📄
accounts-with-accounts-type-full
accounts · AA
2022-08-01
➖
KORPANEC, Jaroslava resigned
director
2022-04-01
➕
OSBORNE, Michael Peter Francis appointed
director
2022-03-31
➖
ROPER, Anthony Charles resigned
director
2022-01-04
➕
KORPANEC, Jaroslava appointed
director
2021-09-17
➖
WALSH, Pauline Mary resigned
director
2021-07-01
➕
TATARU, Roxana appointed
director
2021-07-01
➖
KORPANCOVA, Jaroslava resigned
director
2020-04-09
➕
KAUSHAL, Sunita appointed
secretary
2020-04-08
➖
CALDWELL, Colin resigned
secretary
2019-11-07
➕
CALDWELL, Colin appointed
secretary
2019-11-06
➖
MONOD, Timothy John William resigned
secretary
2018-07-25
➖
CRAIG, Gareth Irons resigned
director

Showing most recent 50 of 99 events

Owner dependency

40/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.

Succession & seller-readiness

30/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

Red flags

clean

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

Group structure

Affinity Water Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Affinity Water Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

AFFINITY WATER FINANCE (2004) PLC

This company · 05139236

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
Affinity Water Limited 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 · AL postcode area

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500 ENTREPRENEUR NOMINEE LIMITED→ 14766599 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
A.VARGHESE & SON LIMITED→ 11804950 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
AB23 LTD→ 15990883 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ABODE FUTURES LTD→ 15831492 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
ACG PAYMENTS LIMITED→ 17075760 · est 2026 · no financials extracted	—	—	—	—	—	—	—
ACP1 LTD→ 12392681 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
ACRE LANE FUNDING 1 LTD→ 11523431 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
AFFINITY WATER FINANCE PLC→ 11674789 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
AIB DC PENSIONS (UK) LIMITED→ 05194771 · est 2004 · no financials extracted	—	—	—	—	21y	—	—
AILEY INVESTMENTS LIMITED→ 14465444 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
ALBAN ACTUARIAL SOLUTIONS LTD→ 06313593 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
ALBAN FINANCIAL SERVICES LIMITED→ 09126085 · est 2014 · no financials extracted	—	—	—	—	11y	—	—

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.

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Company details

Statusactive

Typeplc

Incorporated2004-05-27

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

The Hub

Tamblin Way

Hatfield

Hertfordshire

AL10 9EZ

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-06-30

Last: 2025-06-16