AFFORD BOND AUDIT LIMITED
- · Oldest live charge 11.4y old — refinance window within 12 months
Opportunity 74/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 11.4y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 11.4 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 400 | 400 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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 confirmation-statement
- • 2 officers
- • 1 confirmation-statement
- • 1 incorporation
Corporate timeline (36 events)Click to expand
- 2026-02-11📄memorandum-articlesincorporation · MA
- 2026-02-11📄resolutionresolution · RESOLUTIONS
- 2026-02-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-31➕WARDLE, Adam Robert appointeddirector
- 2026-01-31➕WILSON, Allan Ian appointeddirector
- 2026-01-31🔒Charge registered #2Lender: Secured Fixed Income PLC
- 2025-06-25➖ATKINSON, Jeffrey Eden resigneddirector
- 2025-06-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-09-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-06-27📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-12-20📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-09-28📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2022-09-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-01-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-12-31➖GREER, Gary resigneddirector
- 2021-12-16✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2021-09-22📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-04-30➕EDWARDS, Paul appointeddirector
- 2021-04-30➕MONKS, Christopher Robert appointeddirector
- 2021-04-30📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-04-30📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-12-09📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-09-04➖CURWEN, Jonathan Gregory resigneddirector
- 2016-12-31➖CLARKE, John Kevin resigneddirector
- 2015-01-20🔒Charge registered #1Lender: National Westminster Bank PLC
- 2013-04-25🏢Company incorporatedAs AFFORD BOND AUDIT LIMITED
- 2013-04-25➕O'MALLEY, Peter Anthony appointeddirector
- 2013-04-25➕ATKINSON, Jeffrey Eden appointeddirector
- 2013-04-25➕CLARKE, John Kevin appointeddirector
- 2013-04-25➕CURWEN, Jonathan Gregory appointeddirector
- 2013-04-25➕GREER, Gary appointeddirector
- 2013-04-25➕KAHAN, Barbara appointeddirector
- 2013-04-25➖KAHAN, Barbara resigneddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -5 active directors: Broader management team in place — suggests transferable governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanGroup structure
Afford Bond Holdings Limited 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 |
|---|---|---|---|---|
Afford Bond Holdings 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.
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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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 →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 (5 active · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Secured Fixed Income Secured Fixed Income PLC | A registered charge | — | 31/01/2026 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 20/01/2015 | — |