AFFINITY MORTGAGES LIMITED
💤Zombieactive
07992688 · ltd · incorporated 2012-03-15
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 Mar 2025
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 85/100. 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: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 6.3y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)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
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (1 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
65 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
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 | 1200 | -1300 |
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
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 accounts
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-12-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-16🔓Charge satisfied #1
- 2024-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-09📄memorandum-articlesincorporation · MA
- 2024-10-09📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2024-10-01📄capital-allotment-sharescapital · SH01
- 2024-10-01📄capital-allotment-sharescapital · SH01
- 2024-09-30📄capital-allotment-sharescapital · SH01
- 2023-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-07-16📄change-person-director-company-with-change-dateofficers · CH01
- 2021-07-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-07-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-03-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-05-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-05-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-02-06➖JONES, Simon Peter Francis resigneddirector
- 2020-02-05🔒Charge registered #1Lender: National Westminster Bank PLC
- 2015-10-01➕JONES, Simon Peter Francis appointeddirector
- 2015-01-31➖MANNING, John resigneddirector
- 2012-03-15🏢Company incorporatedAs AFFINITY MORTGAGES LIMITED
- 2012-03-15➕LEWIS, Jamie Jonathan appointeddirector
- 2012-03-15➕MANNING, John appointeddirector
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
58/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 14 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Jamie Jonathan Lewis Individual · British · DOB 08/1979 · age 47 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 06/04/2016 |
Mrs Alison Jennifer Lewis Individual · British · DOB 08/1976 · age 50 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
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
Active · Financial services · SS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 33BLACKINVESTMENTS LIMITED→ 16783911 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 4WEALTH LIMITED→ 04668130 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| A BROWN MORTGAGE SERVICES LIMITED→ 10430525 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A MERCHANT LIMITED→ 07169105 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| AB SPECIALIST FINANCE LTD→ 16620098 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADAM MURPHY CONSULTANCY LTD→ 15163577 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ADR GROUP LIMITED→ 02876683 · est 1993 · no financials extracted | — | — | — | — | 32y | — | — |
| ADRG SERVICES LTD→ 11851599 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| ADVANCE MORTGAGE & PROTECTION ADVISERS LIMITED→ 15953994 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AGILE SPECIALIST CONSULTANCY LIMITED→ 13608837 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AGODECOTT LTD→ 13525883 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AGW MORTGAGE BROKERS LIMITED→ 09614829 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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
Incorporated2012-03-15
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
539-543 London Road
Westcliff On Sea
Essex
SS0 9LJ
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-12
Last: 2025-07-29
Officers (1 active · 2 resigned)
LEWIS, Jamie Jonathan→
Activedirector · ~47y · appointed 2012-03-15
View their other companies + combined net worth →
JONES, Simon Peter Francis→
Resigneddirector · ~52y · appointed 2015-10-01 · resigned 2020-02-06
MANNING, John→
Resigneddirector · ~58y · appointed 2012-03-15 · resigned 2015-01-31
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 05/02/2020 | 16/12/2025 |
Recent filings (65 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-26
mortgage-satisfy-charge-full
mortgage · MR04
2025-12-16
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-30
memorandum-articles
incorporation · MA
2024-10-09
capital-variation-of-rights-attached-to-shares
capital · SH10
2024-10-09
capital-allotment-shares
capital · SH01
2024-10-01
capital-allotment-shares
capital · SH01
2024-10-01
capital-allotment-shares
capital · SH01
2024-09-30
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-14
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-29
confirmation-statement-with-updates
confirmation-statement · CS01
2022-04-19