AFM (SW) LIMITED
- · Thesis: well-run, low negotiation leverage
Opportunity 73/100 (strong), bankability 77/100. High owner-dependency — earn-out structure likely required for clean transition. 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: strategic trade sale (70/100).
Refinance opportunity
4 live charges · 3 lenders · oldest 9.8y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 9.8 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.
- · Profitable and stable/growing — lender coverage supportable.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Profit before tax | £148.5k | — |
| Total assets | — | £751.4k |
| Current assets | — | £1.01M |
| Cash | — | £701.7k |
| Debtors | — | £307.5k |
| Net assets | — | £325.0k |
| Average employees | 1400 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (27 events)Click to expand
- 2025-07-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-06-23🔓Charge satisfied #4
- 2025-06-23🔓Charge satisfied #3
- 2024-11-03📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-01📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-05-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-05-03🔒Charge registered #4Lender: Bath and West Finance Limited (Company Number 07673439)
- 2023-05-03🔒Charge registered #3Lender: Bath and West Finance Limited (Company Number 07673439)
- 2022-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-23📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-01-23🔓Charge satisfied #2
- 2019-10-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2019-10-05🔓Charge satisfied #1
- 2019-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-07-09🔒Charge registered #2Lender: Optimum Sme Finance Limited
- 2016-08-24🔒Charge registered #1Lender: Lloyds Bank Commercial Finance Limited
- 2015-10-05🏢Company incorporatedAs AFM (SW) LIMITED
- 2015-10-05➕WELLS, Clare Marie appointeddirector
- 2015-10-05➕WELLS, Martyn appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +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 11 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- 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
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Martyn Wells Individual · British · DOB 12/1971 · age 55 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Clare Marie Wells Individual · British · DOB 10/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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| A. H. JONES LIMITED→ 04709225 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
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| AFRICA CENTRE FOR DEMOCRACY AND MEDIA (ACDEM) LIMITED→ 17125291 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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 →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
Registered office
Filing status
Officers (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Bath and West Finance (Company Number 07673439) Bath and West Finance Limited (Company Number 07673439) | A registered charge | 1 property | 03/05/2023 | 23/06/2025 | |
| satisfied | Bath and West Finance (Company Number 07673439) Bath and West Finance Limited (Company Number 07673439) | A registered charge | 1 property | 03/05/2023 | 23/06/2025 | |
| satisfied | Optimum Sme Finance Optimum Sme Finance Limited | A registered charge | 2 properties | 09/07/2018 | 23/01/2020 | |
| satisfied | Lloyds Banking Group Lloyds Bank Commercial Finance Limited | A registered charge | — | 24/08/2016 | 05/10/2019 |