AFFINITURE CARDS LIMITED

🌳Matureactive

07885531 · ltd · incorporated 2011-12-19

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

—

book net assets

Opportunity

74/100

Strong

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What this business does

Primary activity: Other credit granting n.e.c.

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 71-year-old founder — textbook succession opportunity.

Opportunity 74/100 (strong), bankability 67/100. Strong seller-intent signal (65/100, director aged 71). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

4 live charges · 4 lenders · oldest 14.1y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 14.1 years old — likely at or near maturity.
· 4 lenders named — inter-creditor friction likely.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (84/100)

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

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

4 charges (4/4 with lender, 4/4 with type)

Directors & officers

12 officers (5 active, 12 linked, 11 with DOB)

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

17 connected companies via shared directors

Filing history

70 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

Strong succession / seller-readiness signals.

Risk profile

Some moderate concerns — review 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

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Average employees	900	1100

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

🔒Filing-note intelligence

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

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

• 2 officers
• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (47 events)Click to expand

2026-02-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-01-20
➖
BICKES, Gulsum Merve resigned
director
2026-01-08
📄
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2025-12-19
📄
accounts-with-accounts-type-small
accounts · AA
2025-09-18
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-16
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-09-03
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-03
🔓
Charge satisfied #3
2025-09-01
➕
MEMIS, Halim appointed
director
2025-09-01
➕
ODABASI, Asli appointed
director
2025-09-01
➕
YURTKURAN, Doruk appointed
director
2025-09-01
➕
BICKES, Gulsum Merve appointed
director
2025-09-01
➖
HURLEY, Joseph Edward resigned
director
2025-09-01
🔒
Charge registered #4
Lender: Turkiye is Bankasi A.S.
2024-12-23
📄
accounts-with-accounts-type-small
accounts · AA
2023-12-21
📄
accounts-with-accounts-type-small
accounts · AA
2022-12-23
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2022-12-16
📄
accounts-with-accounts-type-small
accounts · AA
2022-02-22
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-02-22
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-02-22
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-02-11
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2022-02-11
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-02-11
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-02-03
➕
SATONGAR, Reza appointed
director
2022-02-03
➕
HURLEY, Joseph Edward appointed
director
2022-02-03
➖
MURRAY, Peter Richard resigned
director
2022-01-20
🔓
Charge satisfied #2
2019-12-06
🔒
Charge registered #3
Lender: Shawbrook Bank Limited
2019-11-25
🔓
Charge satisfied #1
2014-12-23
➖
BARNINGHAM, Andrew Alan resigned
director
2014-07-22
➕
BACK, Jonathan David appointed
director
2013-07-17
➖
WOOD, Andrew Mark resigned
secretary
2013-06-13
➖
WOOD, Andrew Mark resigned
director
2013-02-27
➖
LANGSTAFF, Richard Terrell resigned
director
2012-08-15
➕
LANGSTAFF, Richard Terrell appointed
director
2012-07-06
🔒
Charge registered #2
Lender: Dfs Services Llc
2012-04-20
🔒
Charge registered #1
Lender: Prospect (GB) Limited
2012-04-12
➕
BARNINGHAM, Andrew Alan appointed
director
2011-12-19
🏢
Company incorporated
As AFFINITURE CARDS LIMITED
2011-12-19
➕
WOOD, Andrew Mark appointed
secretary
2011-12-19
➕
MURRAY, Peter Richard appointed
director
2011-12-19
➕
WOOD, Andrew Mark appointed
director

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

65/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

2 med ·

2 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: BICKES, Gulsum Merve resigned 2026-01-20; HURLEY, Joseph Edward resigned 2025-09-01

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

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

🏛️

Affiniture Group Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

AFFINITURE CARDS LIMITED

This company · 07885531

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
Affiniture Group Limited Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	03/02/2022

2 historic (ceased) PSCs

Mr Peter Richard Murrayceased 03/02/2022· significant influence
Mr Jonathan David Backceased 03/02/2022· significant influence

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

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2 & 4 INVESTMENTS LIMITED→ 13661526 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
360 DATA SERVICES LTD→ 06900514 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
5PLUS INT. TRADING LTD→ 10307417 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
75POINT3 LIMITED→ 04493724 · est 2002 · no financials extracted	—	—	—	—	23y	—	—
75POINT3@WILLIAMSDENTON LTD→ 04499050 · est 2002 · no financials extracted	—	—	—	—	23y	—	—
A1 QUANTUM ENERGY LTD→ 09388465 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
ABERGELE INSURANCE CONSULTANTS LIMITED→ 06425351 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
ADAM JAMES FINANCIAL SOLUTIONS LIMITED→ 05418812 · est 2005 · no financials extracted	—	—	—	—	21y	—	—
ADVENTURE & EXPEDITION LTD→ 11785898 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
ADVISER SOLUTIONS LTD→ 09083665 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
ADVOCATE FINANCIAL PLANNING LTD→ 09297280 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
AKS FINANCIAL CONSULTANCY LIMITED→ 07996590 · est 2012 · no financials extracted	—	—	—	—	14y	—	—

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

Incorporated2011-12-19

Jurisdictionengland-wales

Primary SIC64929 — Other credit granting n.e.c.

Registered office

8 Wilkinson Court

Wilkinson Business Park

Wrexham

Clwyd

LL13 9AE

Wales

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-01-17

Last: 2026-01-03