AFON RHAIADR LIMITED

🌳Matureactive

09280543 · ltd · incorporated 2014-10-27

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 11.4y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Oct 2025

Net worth

£-12.5k

book net assets

Opportunity

75/100

Strong

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What this business does

Primary activity: Hotels and similar accommodation

Sector: Accommodation & food service

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

2 live charges · oldest 11.4y

85/100

ready

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

· Oldest live charge is 11.4 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

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

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

2 connected companies via shared directors

Filing history

26 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

75/100Strong

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.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)

Negative net assets

Liabilities exceed assets by £12,546

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

-£13k

↓ 64% YoY

Current Assets

£24k

↑ 40% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-10-31	2024-10-31
Total assets	£-12.5k	£-7.6k
Current assets	£23.9k	£17.0k
Net assets	£-12.5k	£-7.6k

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 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (20 events)Click to expand

2026-04-08
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-13
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-09
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-03
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-11
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-01
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-06-10
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-03-20
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-03-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-03-16
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-03-31
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-11-09
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-05-21
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2015-04-30
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2015-04-13
🔒
Charge registered #2
Lender: Lloyds Bank PLC
2015-02-17
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2015-02-09
🔒
Charge registered #1
Lender: Lloyds Bank PLC
2014-10-27
🏢
Company incorporated
As AFON RHAIADR LIMITED
2014-10-27
➕
RITCHIE, Gareth James appointed
director
2014-10-27
➕
RITCHIE, Gina Dommoliqhu Xazha appointed
director

Owner dependency

71/100

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.
+No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

41/100

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.
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.)

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mrs Gina Dommoliqhu Xazha Ritchie Individual · British · DOB 02/1973 · age 53	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	06/04/2016
Mr Gareth James Ritchie Individual · British · DOB 08/1971 · age 55	25–50%	25–50%	board control25-50% shares · 25-50% voting · board control	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.

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Similar companies

Active · Hospitality · LL postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
A & T HOLIDAY SITES LTD→ 16047927 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
A PIECE OF CAKE (GOGLEDD CYMRU) CYF→ 11169562 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
A TASTE OF CORNWALL LIMITED→ 16306048 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
A.P.K FAST FOOD LTD→ 15880618 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
A&SP PROPERTY LIMITED→ 10940149 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
ALO EATERY LTD→ 16591927 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ALP&LEY LIMITED→ 14487852 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
AMK INDIAN TAKEAWAY LTD→ 12429349 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
ANGLESEY HIDEAWAYS LTD→ 13162638 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
ANGLESEY LTD→ 10467953 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
ANGLESEY MODEL VILLAGE LTD→ 10407728 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
ANKA HOTELS LIMITED→ 01305134 · est 1977 · no financials extracted	—	—	—	—	49y	—	—

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

Incorporated2014-10-27

Jurisdictionengland-wales

Primary SIC55100 — Hotels and similar accommodation

Registered office

Afon Rhaiadr Country House Rhaiadr Wnion

Bont Newydd

Dolgellau

Gwynedd

LL40 2AH

Filing status

Accounts

Next due: 2027-07-31

Last made up to: 2025-10-31

Confirmation statement

Next due: 2026-11-10

Last: 2025-10-27

Officers (2 active · 0 resigned)

RITCHIE, Gareth James→

director · ~55y · appointed 2014-10-27

View their other companies + combined net worth →

Active

RITCHIE, Gina Dommoliqhu Xazha→

director · ~53y · appointed 2014-10-27

View their other companies + combined net worth →

Active

Click a director name to see their full track record across all companies.

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:2 of 2 shown

			Type	Properties
	outstanding	Lloyds Banking Group Lloyds Bank PLC	A registered charge	1 property	13/04/2015	—
	outstanding	Lloyds Banking Group Lloyds Bank PLC	A registered charge	—	09/02/2015	—

Click column headers to sort. Use filters above to narrow by status and lender.