AFORE UK LTD

🌳Matureactive
08706900 · ltd · incorporated 2013-09-26
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 11.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
£-46.7k
book net assets
Opportunity
75/100
Strong
🔔
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What this business does
Primary activity: Agents specialised in the sale of other particular products
Sector: Wholesale & retail
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 75/100 (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: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

1 live charge · oldest 11.5y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 11.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (74/100)

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
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 (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
35 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.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Negative net assets
Liabilities exceed assets by £46,712

Key financials

1 year extracted from filed iXBRL accounts
Cash
£12k
Net Worth
-£47k
Current Assets
£32k
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-08-31
Total assets£-46.7k
Current assets£31.6k
Cash£11.7k
Debtors£20.0k
Net assets£-46.7k

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2026-01-08
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-10-23
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  3. 2025-09-25
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2024-05-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2024-02-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2023-06-27
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2022-06-13
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2021-06-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2020-06-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2019-08-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2019-06-26
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  12. 2018-06-06
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  13. 2017-09-28
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  14. 2017-06-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-06-30
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2014-12-11
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  17. 2013-09-26
    🏢
    Company incorporated
    As AFORE UK LTD
  18. 2013-09-26
    ➕
    WARE, Felicity appointed
    secretary
  19. 2013-09-26
    ➕
    WARE, Felicity appointed
    director
  20. 2013-09-26
    ➕
    WARE, Jason Carl 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 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

Jfw Corporation Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Jfw Corporation Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
AFORE UK LTD
This company · 08706900

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%
NameSharesVoting rightsNature of controlNotified
Jfw Corporation Limited
Corporate entity
75–100%
75–100%75-100% shares · 75-100% voting06/04/2016

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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———————
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
Incorporated2013-09-26
Jurisdictionengland-wales
Primary SIC46180 — Agents specialised in the sale of other particular products

Registered office

Carter House, Wyvern Court Stanier Way
Wyvern Business Park
Derby
DE21 6BF
England

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-10-10
Last: 2025-09-26

Officers (3 active · 0 resigned)

WARE, Felicity→
secretary · appointed 2013-09-26
View their other companies + combined net worth →
Active
WARE, Felicity→
director · ~36y · appointed 2013-09-26
View their other companies + combined net worth →
Active
WARE, Jason Carl→
director · ~57y · appointed 2013-09-26
View their other companies + combined net worth →
Active

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
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—11/12/2014—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (35 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-01-08
change-account-reference-date-company-previous-shortened
accounts · AA01
2025-10-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-09-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-09
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-05-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-02-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-29
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-30
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-06-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-27
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-06-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-14
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-06-29