AFFORDABLE HOUSING FINANCE PLC

🌳Matureactive

08434613 · plc · incorporated 2013-03-07

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 12.3y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

73/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 74-year-old founder — textbook succession opportunity.

Opportunity 73/100 (strong), bankability 65/100. Strong seller-intent signal (63/100, director aged 74). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

5 live charges · 2 lenders · oldest 12.3y

50/100

clean up first

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

· Oldest live charge is 12.3 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (61/100)

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

Company profile

address, 1 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

5 charges (5/5 with lender, 5/5 with type)

Directors & officers

42 officers (11 active, 42 linked, 34 with DOB)

Ownership & PSC

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

Director network

13 connected companies via shared directors

Filing history

116 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

73/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filing

• 1 officers

Last 90 days

filings

• 4 officers

Last 180 days

filings

• 4 officers

Counts from Companies House filing history.

Corporate timeline (101 events)Click to expand

2026-05-24
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2026-04-13
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2026-04-02
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2026-04-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-03-31
➕
BAILEY, Susan appointed
secretary
2026-03-31
➖
FENT, Martin James resigned
secretary
2026-03-31
➖
FENT, Martin James resigned
director
2025-08-14
📄
accounts-with-accounts-type-full
accounts · AA
2025-04-07
📄
second-filing-of-secretary-termination-with-name
officers · RP04TM02
2025-03-11
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2025-03-11
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-03-07
➕
FENT, Martin James appointed
secretary
2025-03-07
➖
SHALLCROSS, Katherine Samantha resigned
secretary
2025-02-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-02-21
➖
POOBALASINGAM, Arun resigned
director
2025-02-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-02-05
📄
change-person-director-company-with-change-date
officers · CH01
2025-02-05
📄
change-person-director-company-with-change-date
officers · CH01
2025-01-31
➕
FENT, Martin James appointed
director
2025-01-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-11-26
📄
change-person-director-company-with-change-date
officers · CH01
2024-11-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-11-04
➕
RICK, Benjamin appointed
director
2024-10-14
➖
WRIGHT, Stephen Thomas resigned
director
2024-10-08
📄
change-person-director-company-with-change-date
officers · CH01
2024-08-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-08-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-08-13
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-08-12
📄
accounts-with-accounts-type-full
accounts · AA
2024-08-09
➖
COETZEE, Julie Laraine resigned
secretary
2024-08-09
➖
COETZEE, Julie Laraine resigned
director
2024-08-06
➖
STOKES, David William resigned
director
2024-04-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-04-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-04-01
➕
NAIR, Priyanka appointed
director
2024-04-01
➖
WILLIAMSON, John Piers, Mr. resigned
director
2023-10-13
➖
LEE HOAREAU, Ella Louise Adele resigned
secretary
2023-10-13
➕
SHALLCROSS, Katherine Samantha appointed
secretary
2023-09-26
➕
POOBALASINGAM, Arun appointed
director
2023-07-28
➕
MACGREGOR, Fiona Jane appointed
director
2023-07-28
➕
STOKES, David William appointed
director
2023-07-27
➖
EDGE, Fenella Jane resigned
director
2023-07-27
➖
IMPEY, Peter Henry resigned
director
2023-07-27
➖
PAYNE, Gillian Caroline Sarah resigned
director
2023-07-27
➖
PERRY, William Richard resigned
director
2023-03-28
➕
TEASDALE, Gail Louise appointed
director
2023-02-17
➖
RYDER, Catherine Anne resigned
director
2023-02-07
➕
COETZEE, Julie Laraine appointed
secretary
2023-02-07
➕
COETZEE, Julie Laraine appointed
director
2022-11-01
➖
WALKER, Raymond Bernard Nathan resigned
secretary

Showing most recent 50 of 101 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-10 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 74 — succession pressure is live.

Succession & seller-readiness

60/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.

Red flags

1 med · 1 low

2 director resignations in last 12 months

medium

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

Evidence: FENT, Martin James resigned 2026-03-31; FENT, Martin James resigned 2026-03-31

5 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

T.H.F.C. (Services) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

T.H.F.C. (Services) Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

AFFORDABLE HOUSING FINANCE PLC

This company · 08434613

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
T.H.F.C. (Services) Limited Corporate entity	75–100%	—	75-100% shares	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 →

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AETREUM HOLDING LIMITED→ 13143991 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
AETREUM RISK MANAGEMENT LIMITED→ 12140529 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
AEW UK REIT PLC→ 09522515 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
AF GLOBAL CAPITAL LIMITED→ 09789424 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
AFFIRM LOANS UK LIMITED→ 16704889 · est 2025 · no financials extracted	—	—	—	—	—	—	—
AFFIRM U.K. LIMITED→ 10199101 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
AFH OFFICES LIMITED→ 16132404 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
AFIN BANK LIMITED→ 13090556 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
AFP ASSETS LIMITED→ 08756761 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
AFRICA GLOBAL TRADE FINANCE LIMITED→ 09996682 · est 2016 · no financials extracted	—	—	—	—	10y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

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 →

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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.

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Company details

Statusactive

Typeplc

Incorporated2013-03-07

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

3rd Floor 17 St. Swithin's Lane

London

EC4N 8AL

England

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-10-27

Last: 2025-10-13