AFOBI LIMITED

🌳Matureactive
08078583 · ltd · incorporated 2012-05-22
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 70229Management consultancy activities other than financial management
  • 85520Cultural education
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

1 live charge · oldest 2.8y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Newest facility, 2.8 years old — likely still in initial term.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (71/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 3 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
44 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
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
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-05-31

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
4
filings
  • • 2 address
  • • 1 confirmation-statement
  • • 1 accounts
Last 180 days
6
filings
  • • 2 address
  • • 2 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2026-06-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2026-05-17
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  3. 2026-05-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2026-04-01
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2026-01-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2025-04-30
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2025-04-30
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2025-04-30
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2025-04-20
    ➕
    NEWMAN, Sarah Louise appointed
    director
  10. 2025-02-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2023-11-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2023-09-21
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2023-09-19
    🔒
    Charge registered #1
    Lender: Allica Bank Limited
  14. 2022-07-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-07-15
    ➖
    NEWMAN, Ines Marian resigned
    director
  16. 2021-07-15
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2021-06-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2020-12-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2019-08-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2019-02-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  21. 2012-07-17
    ➕
    NEWMAN, Zachary appointed
    director
  22. 2012-05-22
    🏢
    Company incorporated
    As AFOBI LIMITED
  23. 2012-05-22
    ➕
    NEWMAN, Ines Marian appointed
    director

Owner dependency

66/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

49/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Zachary Newman
Individual · British · DOB 03/1980 · age 46
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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

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 →
🔒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
Incorporated2012-05-22
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Unit 1 & 2 Bolney Grange Industrial Park
Haywards Heath
West Sussex
RH17 5PB
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-06-05
Last: 2026-05-22

Officers (2 active · 1 resigned)

NEWMAN, Sarah Louise→
director · ~44y · appointed 2025-04-20
View their other companies + combined net worth →
Active
NEWMAN, Zachary→
director · ~46y · appointed 2012-07-17
View their other companies + combined net worth →
Active
NEWMAN, Ines Marian→
director · ~79y · appointed 2012-05-22 · resigned 2021-07-15
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Allica Bank
Allica Bank Limited
A registered charge2 properties19/09/2023—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (44 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-06-02
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-06-01
change-account-reference-date-company-previous-shortened
accounts · AA01
2026-05-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-05-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-06
appoint-person-director-company-with-name-date
officers · AP01
2025-04-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-30
change-person-director-company-with-change-date
officers · CH01
2025-04-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-26
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-15