AUTOFUND LIMITED
🏛️Establishedactive
10296941 · ltd · incorporated 2016-07-26
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 7.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
£5.3k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 7.5y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 7.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (77/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
15 connected companies via shared directors
90
Filing history
58 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £5,283
Key financials
1 year extracted from filed iXBRL accountsCash
£18k
Net Worth
£5k
Current Assets
£44k
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-10-31 |
|---|---|
| Total assets | £5.3k |
| Current assets | £43.6k |
| Cash | £17.8k |
| Debtors | £25.8k |
| Net assets | £5.3k |
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
2
filings
- • 1 persons-with-significant-control
- • 1 address
Last 180 days
3
filings
- • 1 persons-with-significant-control
- • 1 address
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2026-04-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2026-03-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-01-20📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-11-23📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-11-23📄legacyaccounts · PARENT_ACC
- 2024-11-23📄legacyother · GUARANTEE2
- 2024-11-23📄legacyother · AGREEMENT2
- 2024-10-05📄gazette-filings-brought-up-to-dategazette · DISS40
- 2024-10-01📄gazette-notice-compulsorygazette · GAZ1
- 2023-12-21📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2023-04-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-16✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2023-01-09📄resolutionresolution · RESOLUTIONS
- 2023-01-09✏️change-of-name-noticechange-of-name · CONNOT
- 2022-10-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-10-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-10-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2022-08-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-18🔓Charge satisfied #1
- 2022-07-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-07-11📄change-person-director-company-with-change-dateofficers · CH01
- 2022-02-02📄change-person-director-company-with-change-dateofficers · CH01
- 2018-12-05🔒Charge registered #1Lender: Seneca Capital Limited
- 2016-07-26🏢Company incorporatedAs AUTOFUND LIMITED
- 2016-07-26➕GARDINER, Jonathan Scott appointeddirector
- 2016-07-26➕GILL, Christopher Adam appointeddirector
Owner dependency
63/100
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.
- +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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
Gill & Gardiner Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Gill & Gardiner Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
AUTOFUND LIMITED
This company · 10296941
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 |
|---|---|---|---|---|
Gill & Gardiner Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 17/10/2022 |
2 historic (ceased) PSCs
- Mr Jonathan Scott Gardinerceased 17/10/2022· 25-50% shares · 25-50% voting
- Mr Christopher Adam Gillceased 17/10/2022· 25-50% shares · 25-50% voting
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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|---|---|---|---|---|---|---|---|
| 3D MORTGAGES LTD→ 13225814 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 3R FINANCIAL ADVISERS LTD→ 12754370 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 3R FINANCIAL SERVICES LTD→ 08454259 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| 8013B LIMITED→ 12245974 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| A.WAUGH INSPECTIONS LTD→ 10703436 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ALTERNATIVE COMMERCIAL FINANCE LIMITED→ 08547499 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| AMELIO INVESTMENTS LIMITED→ 15980117 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARC BROKER SERVICES LIMITED→ 11224505 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| B B MORTGAGES LTD→ 08057085 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| BEDROCK LAND LIMITED→ 16983713 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BIRCHMOUNT SOLUTIONS LTD→ 11100282 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| BOSTON DIRECT MANAGEMENT UK LTD→ 05464047 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
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
Incorporated2016-07-26
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.
Registered office
Cwg House
Gallamore Lane
Market Rasen
Lincolnshire
LN8 3HA
England
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-08-08
Last: 2025-07-25
Officers (2 active · 0 resigned)
GARDINER, Jonathan Scott→
Activedirector · ~47y · appointed 2016-07-26
View their other companies + combined net worth →
GILL, Christopher Adam→
Activedirector · ~40y · appointed 2016-07-26
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Seneca Capital Seneca Capital Limited | A registered charge | — | 05/12/2018 | 18/08/2022 |
Recent filings (58 total)
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2026-04-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-03-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-01-20
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-04
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-11-23
legacy
accounts · PARENT_ACC
2024-11-23
legacy
other · GUARANTEE2
2024-11-23
legacy
other · AGREEMENT2
2024-11-23
gazette-filings-brought-up-to-date
gazette · DISS40
2024-10-05
gazette-notice-compulsory
gazette · GAZ1
2024-10-01
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-30
change-account-reference-date-company-previous-extended
accounts · AA01
2023-12-21
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-27
certificate-change-of-name-company
change-of-name · CERTNM
2023-01-16