AFFIRM U.K. LIMITED
🌳Matureactive
10199101 · ltd · incorporated 2016-05-25
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 7.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
ALSO REGISTERED FOR
- 64999Financial intermediation not elsewhere classified
Investor take
PursueActive trading company with a 64-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (60/100, director aged 64). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 7.2y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 7.2 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 7 with DOB)
90
Ownership & PSC
1 active PSC(s) of 5 total, 5 with control declared
90
Director network
Network not yet resolved
30
Filing history
81 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
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 3000 | 2300 |
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
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
- 2026-01-09📄accounts-with-accounts-type-smallaccounts · AA
- 2025-11-06📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-24📄accounts-with-accounts-type-smallaccounts · AA
- 2024-09-22📄resolutionresolution · RESOLUTIONS
- 2024-09-17📄capital-allotment-sharescapital · SH01
- 2024-05-09✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-05-09✏️change-of-name-noticechange-of-name · CONNOT
- 2024-04-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-04-16➕MICHALEK, Libor appointeddirector
- 2024-04-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-04-09📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-04-09📄change-person-director-company-with-change-dateofficers · CH01
- 2024-03-29📄accounts-with-accounts-type-smallaccounts · AA
- 2024-02-28📄resolutionresolution · RESOLUTIONS
- 2024-02-22📄capital-allotment-sharescapital · SH01
- 2024-02-22📄capital-allotment-sharescapital · SH01
- 2023-11-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-08📄resolutionresolution · RESOLUTIONS
- 2023-07-31📄capital-allotment-sharescapital · SH01
- 2023-07-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-07-18📄resolutionresolution · RESOLUTIONS
- 2023-07-18📄resolutionresolution · RESOLUTIONS
- 2023-02-01➕ADKINS, Katherine Elizabeth appointeddirector
- 2023-02-01➕SPRATT, Ruth Elizabeth appointeddirector
- 2023-02-01➖DAVIS, Timothy Christian resigneddirector
- 2023-02-01➖HAUKOHL, Niklas resigneddirector
- 2023-02-01➖HOBL, Stefan resigneddirector
- 2022-12-09🔓Charge satisfied #2
- 2021-01-27🔒Charge registered #2Lender: Bci Finance LTD
- 2020-04-29🔓Charge satisfied #1
- 2019-06-10➕DAVIS, Timothy Christian appointeddirector
- 2019-04-08🔒Charge registered #1Lender: Conister Bank Limited
- 2019-03-14➕DAVIS, Timothy Christian appointeddirector
- 2019-03-14➖DAVIS, Timothy Christian resigneddirector
- 2017-11-15➕HOBL, Stefan appointeddirector
- 2016-05-25🏢Company incorporatedAs AFFIRM U.K. LIMITED
- 2016-05-25➕HAUKOHL, Niklas appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
50/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
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
Butter Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Butter Holdings Ltd
Corporate parent · holds 75-100% shares · board control
⬇
AFFIRM U.K. LIMITED
This company · 10199101
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 |
|---|---|---|---|---|
Butter Holdings Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/05/2020 |
4 historic (ceased) PSCs
- Mr Stefan Hoblceased 01/02/2023· significant influence
- Mr Timothy Christian Davisceased 01/02/2023· significant influence
- Tom Canty Ltdceased 01/05/2020· 75-100% shares · 75-100% voting · board control
- Mr Niklas Haukohlceased 06/10/2017· 75-100% shares · 75-100% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · EC postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AIV CAPITAL LIMITED→ 13498783 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AJODAPO LTD→ 16426319 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AK SECURITIES LIMITED→ 16373685 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AKHTAR FRANCHISE HOLDINGS (UK) LTD→ 10705606 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| AKJ FX LTD→ 16363153 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AKKA FINANCIAL TECHNOLOGIES LTD→ 16573115 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AKONVILL LTD→ 15443054 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ALAMO MORTGAGE HOLDINGS LTD→ 13568526 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ALAN & THOMAS INSURANCE BROKERS LIMITED→ 04514651 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ALAN DICKINSON CONSULTANCY LIMITED→ 08461556 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| ALANTRA CORPORATE PORTFOLIO ADVISORS INTERNATIONAL LIMITED→ 11433438 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ALANTRA PARTNERS INTERNATIONAL LIMITED→ 12077521 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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
Incorporated2016-05-25
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
C/O Tmf Group 13th Floor
One Angel Court
London
EC2R 7HJ
United Kingdom
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-06-07
Last: 2026-05-24
Officers (3 active · 4 resigned)
ADKINS, Katherine Elizabeth→
Activedirector · ~64y · appointed 2023-02-01
View their other companies + combined net worth →
MICHALEK, Libor→
Activedirector · ~53y · appointed 2024-04-16
View their other companies + combined net worth →
SPRATT, Ruth Elizabeth→
Activedirector · ~53y · appointed 2023-02-01
View their other companies + combined net worth →
DAVIS, Timothy Christian→
Resigneddirector · ~36y · appointed 2019-06-10 · resigned 2023-02-01
DAVIS, Timothy Christian→
Resigneddirector · ~36y · appointed 2019-03-14 · resigned 2019-03-14
HAUKOHL, Niklas→
Resigneddirector · ~33y · appointed 2016-05-25 · resigned 2023-02-01
HOBL, Stefan→
Resigneddirector · ~35y · appointed 2017-11-15 · resigned 2023-02-01
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Bci Finance Bci Finance LTD | A registered charge | 1 property | 27/01/2021 | 09/12/2022 | |
| satisfied | Conister Bank Conister Bank Limited | A registered charge | — | 08/04/2019 | 29/04/2020 |
Recent filings (81 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-28
accounts-with-accounts-type-small
accounts · AA
2026-01-09
change-person-director-company-with-change-date
officers · CH01
2025-11-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-30
accounts-with-accounts-type-small
accounts · AA
2025-03-24
resolution
resolution · RESOLUTIONS
2024-09-22
capital-allotment-shares
capital · SH01
2024-09-17
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-31
certificate-change-of-name-company
change-of-name · CERTNM
2024-05-09
change-of-name-notice
change-of-name · CONNOT
2024-05-09
appoint-person-director-company-with-name-date
officers · AP01
2024-04-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-04-09
change-person-director-company-with-change-date
officers · CH01
2024-04-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-04-09
change-person-director-company-with-change-date
officers · CH01
2024-04-09