AFFORDABLE FINANCE LIMITED

💤Zombieactive
06274341 · ltd · incorporated 2007-06-11
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 Jun 2025
Net worth
£91.7k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 64-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (77/100)

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
4 officers (1 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
54 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £91,685

Key financials

2 years extracted from filed iXBRL accounts
Cash
£97k
Net Worth
£92k
Current Assets
£97k
Current Liabilities
—
£0£19k£39k£58k£78k£97kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30
Total assets£92.0k—
Current assets£97.1k—
Cash£97.1k—
Net assets£91.7k—
Average employees—200

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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2025-10-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-10-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-10-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-01-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-07-26
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  6. 2022-07-26
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2022-07-26
    📄
    capital-allotment-shares
    capital · SH01
  8. 2021-12-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-12-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-10-08
    📄
    capital-allotment-shares
    capital · SH01
  11. 2020-10-08
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2020-10-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2020-09-30
    ➖
    BONSHOR, Heather resigned
    director
  14. 2019-08-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2019-01-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2017-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2017-07-25
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  18. 2016-11-25
    ➕
    BONSHOR, Heather appointed
    director
  19. 2010-10-07
    ➖
    MOYNIHAN, Philip David resigned
    secretary
  20. 2010-10-07
    ➖
    MOYNIHAN, Philip David resigned
    director
  21. 2007-06-11
    🏢
    Company incorporated
    As AFFORDABLE FINANCE LIMITED
  22. 2007-06-11
    ➕
    BONSHOR, Mark appointed
    director
  23. 2007-06-11
    ➕
    MOYNIHAN, Philip David appointed
    secretary
  24. 2007-06-11
    ➕
    MOYNIHAN, Philip David appointed
    director

Owner dependency

93/100
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 19 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

88/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 19 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Mark Bonshor
Individual · British · DOB 11/1962 · age 64
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016
1 historic (ceased) PSC
  • Mrs Heather Bonshorceased 26/07/2022· 25-50% shares

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2007-06-11
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

5 Furnace Close
Wombourne
Wolverhampton
South Staffs
WV5 0PB

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-10-22
Last: 2025-10-08

Officers (1 active · 3 resigned)

BONSHOR, Mark→
director · ~64y · appointed 2007-06-11
View their other companies + combined net worth →
Active
MOYNIHAN, Philip David→
secretary · appointed 2007-06-11 · resigned 2010-10-07
Resigned
BONSHOR, Heather→
director · ~63y · appointed 2016-11-25 · resigned 2020-09-30
Resigned
MOYNIHAN, Philip David→
director · ~70y · appointed 2007-06-11 · resigned 2010-10-07
Resigned

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

Recent filings (54 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-06
confirmation-statement-with-updates
confirmation-statement · CS01
2022-10-13
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-07-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-07-26
capital-allotment-shares
capital · SH01
2022-07-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-06
confirmation-statement-with-updates
confirmation-statement · CS01
2021-10-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-03
confirmation-statement-with-updates
confirmation-statement · CS01
2020-10-08