A & F ESTATE AGENTS LIMITED

🏛️Establishedactive
11301611 · ltd · incorporated 2018-04-10
Investment thesis
Unencumbered property vehicle — clean asset-backed target with refinance headroom.
Why interesting: Property-holding entity with no live charges; straightforward asset-backed case.
Why risky: Values depend on title and valuation; property-specific market exposure.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2026
Net worth
£-13.4k
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Real estate agencies
Sector: Real estate
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 77/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

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, 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
5 officers (2 active, 5 linked, 5 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
30 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
65
Adequate — check latest filings for context.
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 · FRS 105 (micro)
Negative net assets
Liabilities exceed assets by £13,375

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
-£13k
↑ 67% YoY
Current Assets
£40k
↑ 6.2% YoY
Current Liabilities
—
-£40k-£24k-£8k£8k£24k£40kMar 2025Mar 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2026-03-312025-03-31
Total assets£-11.1k£-38.5k
Current assets£40.0k£37.7k
Net assets£-13.4k£-40.1k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days
1
filing
  • • 1 accounts
Last 90 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2026-05-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-05-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2025-04-28
    ➕
    FROST, Julian Alan Nicholas appointed
    director
  4. 2025-04-28
    ➕
    MANNINGS-HILL, Emma Jane appointed
    director
  5. 2025-04-28
    ➖
    GILPIN, Paul Andrew resigned
    director
  6. 2025-04-28
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  7. 2025-04-28
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  8. 2025-04-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2025-04-28
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2025-04-28
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  11. 2024-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2023-05-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2022-05-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2021-06-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2021-05-20
    ➖
    MAJOR, Philip resigned
    director
  16. 2021-05-20
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2020-09-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2020-05-12
    ➖
    CURTIS, Simon resigned
    director
  19. 2020-05-12
    ➕
    GILPIN, Paul Andrew appointed
    director
  20. 2020-05-12
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  21. 2020-05-12
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  22. 2020-05-12
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  23. 2020-05-12
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  24. 2019-12-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  25. 2018-06-22
    ➕
    MAJOR, Philip appointed
    director
  26. 2018-04-10
    🏢
    Company incorporated
    As A & F ESTATE AGENTS LIMITED
  27. 2018-04-10
    ➕
    CURTIS, Simon appointed
    director

Owner dependency

73/100
High — earn-out structure required

Material 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.
  • +Founder age: Director aged approximately 66 — succession pressure is live.

Succession & seller-readiness

56/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Julian Alan Nicholas Frost
Individual · British · DOB 07/1960 · age 66
75–100%
—75-100% shares28/04/2025
2 historic (ceased) PSCs
  • Mr Paul Andrew Gilpinceased 28/04/2025· 75-100% shares
  • Mr Simon Curtisceased 12/05/2020· 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.

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———————
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
Incorporated2018-04-10
Jurisdictionengland-wales
Primary SIC68310 — Real estate agencies

Registered office

18 College Street
Burnham-On-Sea
TA8 1AE
England

Filing status

Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-04-23
Last: 2026-04-09

Officers (2 active · 3 resigned)

FROST, Julian Alan Nicholas→
director · ~66y · appointed 2025-04-28
View their other companies + combined net worth →
Active
MANNINGS-HILL, Emma Jane→
director · ~53y · appointed 2025-04-28
View their other companies + combined net worth →
Active
CURTIS, Simon→
director · ~64y · appointed 2018-04-10 · resigned 2020-05-12
Resigned
GILPIN, Paul Andrew→
director · ~57y · appointed 2020-05-12 · resigned 2025-04-28
Resigned
MAJOR, Philip→
director · ~74y · appointed 2018-06-22 · resigned 2021-05-20
Resigned

Click a director name to see their full track record across all companies.

Recent filings (30 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-13
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-15
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-23
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-04-28
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-04-28
termination-director-company-with-name-termination-date
officers · TM01
2025-04-28
appoint-person-director-company-with-name-date
officers · AP01
2025-04-28
appoint-person-director-company-with-name-date
officers · AP01
2025-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-15
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-12
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-20