AFFORDABLE CARS (YORKSHIRE) LIMITED
🌳Matureactive
08716545 · ltd · incorporated 2013-10-03
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
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2024
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: SIC 45112
Sector: Wholesale & retail
Investor take
PursueActive trading company with a 63-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 67/100. Strong seller-intent signal (65/100, director aged 63). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
3 live charges · 3 lenders · oldest 12.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 12.2 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (73/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
40 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · IFRS| Metric | 2024-05-31 |
|---|---|
| Average employees | 2400 |
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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2025-11-26📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2025-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-17📄change-person-director-company-with-change-dateofficers · CH01
- 2021-10-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-10-23🔓Charge satisfied #3
- 2021-01-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-02-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-02-04📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2019-12-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-12-01➖DHESI, Tajinderbir Singh resigneddirector
- 2019-08-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-08-15🔓Charge satisfied #1
- 2019-05-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-07📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2016-10-06🔒Charge registered #3Lender: Firstrand Bank Limited Acting Through Its London Branch Firstrand Bank Limited (London Branch) T/a Motonovo Finance
- 2014-06-30🔒Charge registered #2Lender: Hsbc Bank PLC
- 2014-03-27🔒Charge registered #1Lender: Rowanmoor Trustees Limited and Jasbir Dhesi and Baljit Kaur Dhesi and Tajinderbir Singh Dhesi as Trustees of the Affordable Cars 2014 Retirement Benefit Scheme
- 2013-10-03🏢Company incorporatedAs AFFORDABLE CARS (YORKSHIRE) LIMITED
- 2013-10-03➕DHESI, Jasbir Singh appointeddirector
- 2013-10-03➕DHESI, Sukpaul Singh appointeddirector
- 2013-10-03➕DHESI, Tajinderbir Singh appointeddirector
Owner dependency
74/100
High — earn-out structure requiredMaterial 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.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
69/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Baljit Kaur Dhesi Individual · British · DOB 02/1963 · age 63 | 25–50% | — | 25-50% shares | 21/11/2019 |
Mr Jasbir Dheshi Individual · British · DOB 03/1963 · age 63 | 25–50% | — | 25-50% shares | 21/11/2019 |
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 →Similar companies
Active · Automotive · YO postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ADDAUTO LIMITED→ 15291375 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ADVANCED AUTOMOTIVE GROUP LIMITED→ 10921314 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AES YORK LIMITED→ 09492506 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| AFFORDABLE CARS (DRIFFIELD) LIMITED→ 09889589 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ALDERSON MOTORS LTD→ 16676105 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALEX’S MOTORS LIMITED→ 15208380 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ALEXANDERS PRESTIGE LIMITED→ 05501999 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ALL-OUT DENTS LIMITED→ 05817123 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ALS TRADE CARS LTD→ 13357726 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ALSET TRADING LIMITED→ 10356473 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ALX1 LIMITED→ 08710962 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| AM PAINT AND BODYSHOP SUPPLIES LTD→ 15682142 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2013-10-03
Jurisdictionengland-wales
Primary SIC45112 — SIC 45112
Registered office
A19 Crockley Hill
York
North Yorkshire
YO19 4SJ
England
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-05-31
Confirmation statement
Next due: 2027-02-18
Last: 2026-02-04
Officers (2 active · 1 resigned)
DHESI, Jasbir Singh→
Activedirector · ~63y · appointed 2013-10-03
View their other companies + combined net worth →
DHESI, Sukpaul Singh→
Activedirector · ~40y · appointed 2013-10-03
View their other companies + combined net worth →
DHESI, Tajinderbir Singh→
Resigneddirector · ~58y · appointed 2013-10-03 · resigned 2019-12-01
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Firstrand Bank Acting Through Its London Branch Firstrand Bank (London Branch) T/a Motonovo Finance Firstrand Bank Limited Acting Through Its London Branch Firstrand Bank Limited (London Branch) T/a Motonovo Finance | A registered charge | — | 06/10/2016 | 23/10/2021 | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | — | 30/06/2014 | — | |
| satisfied | Rowanmoor Trustees and Jasbir Dhesi and Baljit Kaur Dhesi and Tajinderbir Singh Dhesi as Trustees of the Affordable Cars 2014 Retirement Benefit Scheme Rowanmoor Trustees Limited and Jasbir Dhesi and Baljit Kaur Dhesi and Tajinderbir Singh Dhesi as Trustees of the Affordable Cars 2014 Retirement Benefit Scheme | A registered charge | — | 27/03/2014 | 15/08/2019 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (40 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-03
change-account-reference-date-company-previous-extended
accounts · AA01
2025-11-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-11
change-person-director-company-with-change-date
officers · CH01
2022-02-17
mortgage-satisfy-charge-full
mortgage · MR04
2021-10-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-04-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-01-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-02-28