AFFIRMATIVE FUNDING LIMITED
🌳Matureactive
09351503 · ltd · incorporated 2014-12-11
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 Dec 2024
Net worth
£625
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 68-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: high (82/100)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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
25 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £625
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£625
↑ 1.8% YoY
Current Assets
£237
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £237 | £614 |
| Current assets | £237 | £235 |
| Net assets | £625 | £614 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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 (19 events)Click to expand
- 2025-09-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-09-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-11-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-11-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2019-09-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-09-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-09-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-09-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-01-21✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2016-01-19📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-12-11🏢Company incorporatedAs AFFIRMATIVE FUNDING LIMITED
- 2014-12-11➕ESTERKIN, Eugene Barry appointeddirector
- 2014-12-11➕LEDERBERG, Gary Scott appointeddirector
- 2014-12-11➕MITCHELL, Paul Edward appointeddirector
- 2014-12-11📄incorporation-companyincorporation · NEWINC
Owner dependency
65/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- 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.)
Group structure
Ascent Funding Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Ascent Funding Limited
Corporate parent · holds 75-100% shares
⬇
AFFIRMATIVE FUNDING LIMITED
This company · 09351503
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 |
|---|---|---|---|---|
Ascent Funding Limited Corporate entity | 75–100% | — | 75-100% shares | 05/11/2020 |
1 historic (ceased) PSC
- Affirmative Finance Limitedceased 05/11/2020· 75-100% shares
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
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|---|---|---|---|---|---|---|---|
| ABRIDGE FINANCE LTD→ 12399889 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ACHIEVERS25 COMMUNITY INTEREST COMPANY→ 17040426 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ACS PAYROLL LIMITED→ 15989873 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ACTIVE FLEET MANAGEMENT LIMITED→ 11313628 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AD WEALTH MANAGEMENT LTD→ 16044300 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADELPHI INVESTMENTS (NORTH WEST) LIMITED→ 17125218 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ADMINISTRATIVE SERVICES INTERNATIONAL LIMITED→ 09393496 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| AEC CONSULTANCY LIMITED→ 16221763 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AETHER VENTURES LTD→ 16813881 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AFRISUSU INITIATIVE FOUNDATION CIC→ 11060546 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AFTAB CURRENCY EXCHANGE LIMITED→ 09360990 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| AGE CONCERN MANCHESTER TRADING CO. LTD→ 02912077 · est 1994 · no financials extracted | — | — | — | — | 32y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated2014-12-11
Jurisdictionengland-wales
Primary SIC64922 — Activities of mortgage finance companies
Registered office
7 St James Square
Manchester
M2 6XX
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-25
Last: 2025-12-11
Officers (3 active · 0 resigned)
ESTERKIN, Eugene Barry→
Activedirector · ~68y · appointed 2014-12-11
View their other companies + combined net worth →
LEDERBERG, Gary Scott→
Activedirector · ~54y · appointed 2014-12-11
View their other companies + combined net worth →
MITCHELL, Paul Edward→
Activedirector · ~50y · appointed 2014-12-11
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (25 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-16
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-16
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-18
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-11
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-14
accounts-with-accounts-type-micro-entity
accounts · AA
2022-09-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-13
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-28
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-17
confirmation-statement-with-updates
confirmation-statement · CS01
2020-12-15
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2020-11-05
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2020-11-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-13