ACCOUNTING & FINANCIAL SOLUTIONS LIMITED

🌳Matureactive
06192028 · ltd · incorporated 2007-03-29
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 12.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Accounting and auditing activities
Sector: Professional, scientific & technical
ALSO REGISTERED FOR
  • 69202Bookkeeping activities
Investor take
Pursue
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 58). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 12.3y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 12.3 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 2 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
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
67 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
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£0May 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-05-312024-05-31

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

🔒Filing-note intelligence

1 signal 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
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
  1. 2026-02-09
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-05-09
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2024-02-26
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2023-05-15
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2022-04-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2021-09-30
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2021-09-30
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2021-05-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-07-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2020-07-17
    🔓
    Charge satisfied #2
  11. 2020-02-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-05-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2019-05-15
    🔒
    Charge registered #3
    Lender: National Westminster Bank PLC
  14. 2019-02-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2018-02-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2017-02-22
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2016-05-06
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  18. 2014-12-02
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  19. 2014-03-01
    ➕
    PATEL, Faruk Yakoob appointed
    director
  20. 2014-02-27
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  21. 2011-06-01
    ➕
    ESSA, Afzal appointed
    director
  22. 2011-06-01
    ➖
    PATEL, Mubarak resigned
    secretary
  23. 2011-06-01
    ➖
    PATEL, Bilal Yakoob resigned
    director
  24. 2008-04-01
    ➕
    PATEL, Mubarak appointed
    secretary
  25. 2008-04-01
    ➖
    PATEL, Razina resigned
    secretary
  26. 2008-04-01
    ➕
    PATEL, Bilal Yakoob appointed
    director
  27. 2008-04-01
    ➖
    PATEL, Sabina resigned
    director
  28. 2007-03-29
    🏢
    Company incorporated
    As ACCOUNTING & FINANCIAL SOLUTIONS LIMITED
  29. 2007-03-29
    ➕
    PATEL, Razina appointed
    secretary
  30. 2007-03-29
    ➕
    HCS SECRETARIAL LIMITED appointed
    corporate-nominee-secretary
  31. 2007-03-29
    ➖
    HCS SECRETARIAL LIMITED resigned
    corporate-nominee-secretary
  32. 2007-03-29
    ➕
    PATEL, Sabina appointed
    director
  33. 2007-03-29
    ➕
    HANOVER DIRECTORS LIMITED appointed
    corporate-nominee-director
  34. 2007-03-29
    ➖
    HANOVER DIRECTORS LIMITED resigned
    corporate-nominee-director

Owner dependency

76/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

69/100
Strong succession signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 15 years.
  • secondaryStable-but-static management: Company is 19 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Afzal Essa
Individual · British · DOB 04/1981 · age 45
25–50%
—25-50% shares01/03/2017
Mr Faruk Yakoob Patel
Individual · British · DOB 04/1968 · age 58
25–50%
—25-50% shares01/03/2017

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
Incorporated2007-03-29
Jurisdictionengland-wales
Primary SIC69201 — Accounting and auditing activities

Registered office

19a Chorley Old Road
Bolton
BL1 3AD

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-03-25
Last: 2026-03-11

Officers (2 active · 6 resigned)

ESSA, Afzal→
director · ~45y · appointed 2011-06-01
View their other companies + combined net worth →
Active
PATEL, Faruk Yakoob→
director · ~58y · appointed 2014-03-01
View their other companies + combined net worth →
Active
PATEL, Mubarak→
secretary · appointed 2008-04-01 · resigned 2011-06-01
Resigned
PATEL, Razina→
secretary · appointed 2007-03-29 · resigned 2008-04-01
Resigned
HCS SECRETARIAL LIMITED→
corporate-nominee-secretary · appointed 2007-03-29 · resigned 2007-03-29
Resigned
PATEL, Bilal Yakoob→
director · ~49y · appointed 2008-04-01 · resigned 2011-06-01
Resigned
PATEL, Sabina→
director · ~45y · appointed 2007-03-29 · resigned 2008-04-01
Resigned
HANOVER DIRECTORS LIMITED→
corporate-nominee-director · appointed 2007-03-29 · resigned 2007-03-29
Resigned

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

Mortgages & charges

3
Total charges
2
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
National Westminster Bank
National Westminster Bank PLC
A registered charge—15/05/2019—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property02/12/201417/07/2020
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property27/02/2014—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (67 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-30
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-02-09
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-05-09
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-25
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-12
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-02-26
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-05-15
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-04-20
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-09-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-09-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-08
mortgage-satisfy-charge-full
mortgage · MR04
2020-07-17