AFS FINANCIAL LIMITED
Opportunity 74/100 (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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £1 | — |
| Current assets | £51.9k | — |
| Net assets | £1 | — |
| Average employees | — | 200 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 change-of-name
Corporate timeline (19 events)Click to expand
- 2026-03-02✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-09-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-04📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-03-03📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-11-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-10-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-08-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-03-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-05-24📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-03-30📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-04-01➕AXTELL, Laura Mary appointeddirector
- 2010-03-03🏢Company incorporatedAs AFS FINANCIAL LIMITED
- 2010-03-03➕AXTELL, Laura Mary appointedsecretary
- 2010-03-03➕AXTELL, Donald appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 16 years.
- secondaryStable-but-static management: Company is 16 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 ·Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2026-03-02: certificate-change-of-name-company
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Donald Axtell Individual · British · DOB 03/1983 · age 43 | 25–50% | — | 25-50% shares | 02/03/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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 · TS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A & R SHEEKEY LIMITED→ 07343715 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| A AND R MORTGAGE & PROTECTION SPECIALISTS LTD→ 15677835 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A B S FINANCIAL LIMITED→ 15274291 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| A T & P INVESTMENTS LTD→ 13558183 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| A W FINANCIAL SERVICES LIMITED→ 04980133 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| AC FINANCE LIMITED→ 04074753 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| ACTIVE BUSINESS PROTECTION LIMITED→ 14535477 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ACTIVE FINANCIAL PLANNERS LIMITED→ 04039863 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| ACTIVE MORTGAGE SERVICES LIMITED→ 04600469 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| AGRICULTURAL & GROUNDSCARE FINANCE LIMITED→ 05526550 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ALISON MOULLAALI LIMITED→ 10034695 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ALL THAT I AM UN LIMITED→ 09301230 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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 →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
Registered office
Filing status
Officers (3 active · 0 resigned)
Click a director name to see their full track record across all companies.