A & F PHARMA LIMITED
🏛️Establishedactive
12339155 · ltd · incorporated 2019-11-28
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 5.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£321.1k
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Dispensing chemist in specialised stores
Sector: Wholesale & retail
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 71/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
6 live charges · 2 lenders · oldest 5.5y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 5.5 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
28 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £321,073
Key financials
2 years extracted from filed iXBRL accountsCash
£65k
Net Worth
£321k
Current Assets
£607k
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £584.5k | — |
| Current assets | £606.7k | — |
| Cash | £65.2k | — |
| Debtors | £514.6k | — |
| Net assets | £321.1k | — |
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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2025-10-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-01🔒Charge registered #6Lender: Barclays Security Trustee Limited
- 2025-08-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-03🔒Charge registered #5Lender: Barclays Security Trustee Limited
- 2024-08-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-08-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-15🔓Charge satisfied #2
- 2024-08-15🔓Charge satisfied #1
- 2024-08-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-09🔒Charge registered #4Lender: Barclays Security Trustee Limited
- 2024-04-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-28🔒Charge registered #3Lender: Barclays Security Trustee Limited
- 2023-08-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-10-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-14📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-14📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-08-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-12-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-12-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-08-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-12-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-12-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-11-05🔒Charge registered #2Lender: Wesleyan Bank Limited
- 2020-11-05🔒Charge registered #1Lender: Wesleyan Bank Limited
- 2019-11-28🏢Company incorporatedAs A & F PHARMA LIMITED
- 2019-11-28➕FAROOQ, Aneesa appointeddirector
- 2019-11-28➕RAZA, Anjum 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 6 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
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Aneesa Farooq Individual · British · DOB 07/1991 · age 35 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 25/11/2021 |
Mr Anjum Raza Individual · British · DOB 07/1985 · age 41 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 28/11/2019 |
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
Active · Retail · DY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1909 SHOWROOMS LTD→ 14426640 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 23 PAIRS LTD→ 16118748 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 247 WEAR LTD→ 15869325 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 4MT CARPET LTD→ 15387517 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 88WIN LTD→ 13801312 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| A & F MIDLANDS LIMITED→ 10455717 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A1 HOME ESSENTIALS LTD→ 14241964 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| A1A IMPORTS LTD→ 10613867 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| AA MEDICAL LTD→ 06893442 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| AA4B LIMITED→ 14936759 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ABBIE WORTON DESIGN LTD→ 14403644 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ABC123CAPSLTD LTD→ 16720547 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2019-11-28
Jurisdictionengland-wales
Primary SIC47730 — Dispensing chemist in specialised stores
Registered office
Village Pharmacy
9 Market Street
Kingswinford
DY6 9JS
England
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-12-11
Last: 2025-11-27
Officers (2 active · 0 resigned)
FAROOQ, Aneesa→
Activedirector · ~35y · appointed 2019-11-28
View their other companies + combined net worth →
Active
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
4
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | 1 property | 01/10/2025 | — | |
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | — | 03/04/2025 | — | |
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | 1 property | 09/08/2024 | — | |
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | — | 28/04/2024 | — | |
| satisfied | Wesleyan Bank Wesleyan Bank Limited | A registered charge | — | 05/11/2020 | 15/08/2024 | |
| satisfied | Wesleyan Bank Wesleyan Bank Limited | A registered charge | — | 05/11/2020 | 15/08/2024 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (28 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-08-31
mortgage-satisfy-charge-full
mortgage · MR04
2024-08-15
mortgage-satisfy-charge-full
mortgage · MR04
2024-08-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-09
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-08-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-17
change-person-director-company-with-change-date
officers · CH01
2022-10-14