AFFITTO ESTATES LIMITED
- 68209Other letting and operating of own or leased real estate
- 68320Management of real estate on a fee or contract basis
Opportunity 78/100 (strong), bankability 67/100. 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: share sale to pe / searcher (73/100).
Refinance opportunity
3 live charges · 3 lenders · oldest 8.4y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 8.4 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key 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 | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Average employees | 1 | 100 |
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 (18 events)Click to expand
- 2025-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-02-25🔒Charge registered #3Lender: Precise Mortgages
- 2021-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-05-15🔒Charge registered #2Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2019-04-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-11📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2018-03-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-03-08🔒Charge registered #1Lender: Onesavings Bank PLC
- 2017-07-07🏢Company incorporatedAs AFFITTO ESTATES LIMITED
- 2017-07-07➕FARRELLY, Neil appointedsecretary
- 2017-07-07➕FARRELLY, Neil appointeddirector
- 2017-07-07📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Neil Farrelly Individual · British · DOB 05/1964 · age 62 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 07/07/2017 |
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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8 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 | |||||
|---|---|---|---|---|---|---|
| outstanding | Precise Mortgages | A registered charge | 1 property | 25/02/2022 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 1 property | 15/05/2020 | — | |
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 08/03/2018 | — |