AFL FINANCIAL STRATEGIES LTD
Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. 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).
Refinance opportunity
3 live charges · 2 lenders · oldest 14.2y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 14.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (73/100)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.
Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2025-01-31 |
|---|
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 accounts
- • 1 accounts
Corporate timeline (26 events)Click to expand
- 2026-03-06📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2025-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-23📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-08-13📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-08-13📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-08-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-08-12➖GREEN, Samantha Michelle resigneddirector
- 2023-09-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-11-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-20📄change-person-director-company-with-change-dateofficers · CH01
- 2019-08-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-08-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-10-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2015-02-16🔒Charge registered #3Lender: Barclays Bank PLC
- 2015-01-16🔒Charge registered #2Lender: Barclays Bank PLC
- 2012-02-21🔒Charge registered #1Lender: Bury St Edmunds Osteopaths Limited
- 2011-08-26➕WILSON, Nicholas Craig appointeddirector
- 2011-08-25🏢Company incorporatedAs AFL FINANCIAL STRATEGIES LTD
- 2011-08-25➕GREEN, Samantha Michelle appointeddirector
- 2011-08-25➕WILSON, Nicholas Craig appointeddirector
- 2011-08-25➖WILSON, Nicholas Craig resigneddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 63. 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 15 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanGroup structure
Mulberry Tree Wealth Management Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Mulberry Tree Wealth Management Ltd Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 13/08/2024 |
2 historic (ceased) PSCs
- Mr Nicholas Craig Wilsonceased 12/08/2024· 25-50% shares · 25-50% voting · board control
- Mrs Samantha Michelle Greenceased 12/08/2024· 25-50% shares · 25-50% voting · board control
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
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8 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 (1 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | 2 properties | 16/02/2015 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 16/01/2015 | — | |
| outstanding | Bury St Edmunds Osteopaths Bury St Edmunds Osteopaths Limited | Rent deposit deed | 1 property | 21/02/2012 | — |