A & L AFFINITY LTD
- 47770SIC 47770
Opportunity 43/100 (watch), bankability 50/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Resolve: Company in liquidation. Company is actively being wound up. Not a going concern. Most likely exit: distressed disposal / insolvency (65/100). Current lenders should be on monthly review.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 2 insolvency
- • 1 address
- • 1 resolution
- • 2 insolvency
- • 1 address
- • 1 resolution
- • 2 insolvency
- • 1 address
- • 1 resolution
Corporate timeline (19 events)Click to expand
- 2026-05-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-05-15⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2026-05-15📄resolutionresolution · RESOLUTIONS
- 2026-05-15⚠️liquidation-voluntary-statement-of-affairsinsolvency · LIQ02
- 2025-08-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-16📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2021-06-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-22📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2019-11-23📄change-person-director-company-with-change-dateofficers · CH01
- 2019-11-23📄change-person-director-company-with-change-dateofficers · CH01
- 2019-11-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-11-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-11-20🏢Company incorporatedAs A & L AFFINITY LTD
- 2019-11-20➕FOSSETT, Andrew Karl appointeddirector
- 2019-11-20➕FOSSETT, Lauren Kimberley appointeddirector
- 2019-11-20📄incorporation-companyincorporation · NEWINC
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 7 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
2 high ·Company is actively being wound up. Not a going concern.
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2026-05-15: liquidation-voluntary-appointment-of-liquidator; 2026-05-15: liquidation-voluntary-statement-of-affairs
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Lauren Kimberley Fossett Individual · British · DOB 05/1988 · age 38 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 20/11/2019 |
Mr Andrew Karl Fossett Individual · British · DOB 04/1983 · age 43 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 20/11/2019 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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9 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.