AFFORD BOND PAYROLL SERVICES LIMITED

🌳Matureactive

08504452 · ltd · incorporated 2013-04-25

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 11.4y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2024

Net worth

—

book net assets

Opportunity

74/100

Strong

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What this business does

Primary activity: Human resources provision and management of human resources functions

Sector: Administrative & support services

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

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

70/100

ready

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.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

10 officers (5 active, 10 linked, 10 with DOB)

Ownership & PSC

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

Director network

16 connected companies via shared directors

Filing history

47 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

Some acquirability indicators.

Risk profile

Few red 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 · FRS 102

Metric	2024-12-31	2023-12-31
Average employees	1300	1300

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

🔒Filing-note intelligence

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

Last 30 days

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 2 officers
• 1 confirmation-statement
• 1 incorporation

Counts from Companies House filing history.

Corporate timeline (36 events)Click to expand

2026-02-11
📄
memorandum-articles
incorporation · MA
2026-02-11
📄
resolution
resolution · RESOLUTIONS
2026-02-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-02-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-02-02
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-31
➕
WARDLE, Adam Robert appointed
director
2026-01-31
➕
WILSON, Allan Ian appointed
director
2026-01-31
🔒
Charge registered #2
Lender: Secured Fixed Income PLC
2025-07-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-06-30
➖
ATKINSON, Jeffrey Eden resigned
director
2025-06-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-27
📄
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-12-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-28
📄
change-account-reference-date-company-previous-extended
accounts · AA01
2022-09-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-12-31
➖
GREER, Gary resigned
director
2021-09-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-30
➕
EDWARDS, Paul appointed
director
2021-04-30
➕
MONKS, Christopher Robert appointed
director
2021-04-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-04-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2020-12-09
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-09-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-09-04
➖
CURWEN, Jonathan Gregory resigned
director
2016-12-31
➖
CLARKE, John Kevin resigned
director
2015-01-20
🔒
Charge registered #1
Lender: National Westminster Bank PLC
2013-04-25
🏢
Company incorporated
As AFFORD BOND PAYROLL SERVICES LIMITED
2013-04-25
➕
O'MALLEY, Peter Anthony appointed
director
2013-04-25
➕
ATKINSON, Jeffrey Eden appointed
director
2013-04-25
➕
CLARKE, John Kevin appointed
director
2013-04-25
➕
CURWEN, Jonathan Gregory appointed
director
2013-04-25
➕
GREER, Gary appointed
director
2013-04-25
➕
KAHAN, Barbara appointed
director
2013-04-25
➖
KAHAN, Barbara resigned
director

Owner dependency

40/100

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.

Succession & seller-readiness

43/100

Moderate signal

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

SIGNALS

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

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Afford Bond Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Afford Bond Holdings Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

AFFORD BOND PAYROLL SERVICES LIMITED

This company · 08504452

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.

🔒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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ADAM BIRTLE PROPS LTD→ 15142200 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ADDED VALUE ARCHITECTURE LIMITED→ 11124740 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
ADVANCED AUTOMOBILE SOLUTIONS LTD→ 13335068 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
ADVANCED INFRASTRUCTURE TECHNOLOGY LTD→ 12552695 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
ADVANCED MECHATRONICS UK LIMITED→ 12572238 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
ADVANTAGEOUS LIMITED→ 16073910 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
AE AIRLINE SOLUTIONS LTD→ 14358475 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
AFRICA CENTRE FOR ECONOMIC JUSTICE (ACEJ) LTD→ 14721346 · est 2023 · no financials extracted	—	—	—	—	3y	—	—

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

Incorporated2013-04-25

Jurisdictionengland-wales

Primary SIC78300 — Human resources provision and management of human resources functions

Registered office

31 Wellington Road

Nantwich

Cheshire

CW5 7ED

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-05-09

Last: 2026-04-25