ABSOLUTE FINANCIAL GROUP LIMITED
🏛️Establishedactive
12348752 · ltd · incorporated 2019-12-04
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
65/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company. Reasonable fundamentals — worth a memo before deciding.
Opportunity 65/100 (strong), bankability 77/100. 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: strategic trade sale (73/100).
🏦
Refinance opportunity
4 live charges · 3 lenders · oldest 6.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 6.2 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 33/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (60/100)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
No iXBRL financials extracted
0
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 7 with DOB)
90
Ownership & PSC
1 active PSC(s) of 5 total, 5 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
50 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
65/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
61
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 1 incorporation
- • 1 resolution
Last 180 days
20
filings
- • 7 officers
- • 4 persons-with-significant-control
- • 2 capital
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
- 2026-02-27📄memorandum-articlesincorporation · MA
- 2026-02-27📄resolutionresolution · RESOLUTIONS
- 2025-12-18✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-12-18📄capital-allotment-sharescapital · SH01
- 2025-12-04📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2025-12-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-12-04🔓Charge satisfied #4
- 2025-12-04🔓Charge satisfied #1
- 2025-12-02📄capital-allotment-sharescapital · SH01
- 2025-12-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-12-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-01➕CARTER, David Kenneth appointeddirector
- 2025-12-01➕COLEMAN, Louise Christine appointeddirector
- 2025-12-01➕SEATON, Ryan William appointeddirector
- 2025-12-01➖BROAD, Hayley Victoria resigneddirector
- 2025-12-01➖EATON, Mark resigneddirector
- 2025-12-01➖HUGHES, Philip Nigel resigneddirector
- 2025-12-01➖WATT, Spencer resigneddirector
- 2025-12-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-08📄accounts-with-accounts-type-smallaccounts · AA
- 2025-07-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-10-23📄accounts-with-accounts-type-smallaccounts · AA
- 2024-01-20📄memorandum-articlesincorporation · MA
- 2022-05-10🔓Charge satisfied #3
- 2022-05-10🔓Charge satisfied #2
- 2022-05-04🔒Charge registered #4Lender: Oaknorth Bank PLC (As Security Trustee)
- 2021-02-01🔒Charge registered #3Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
- 2021-02-01🔒Charge registered #2Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
- 2020-02-11➕HUGHES, Philip Nigel appointeddirector
- 2020-02-10🔒Charge registered #1Lender: Philip Nigel Hughes as Security Trustee for the Secured Parties
- 2019-12-04🏢Company incorporatedAs ABSOLUTE FINANCIAL GROUP LIMITED
- 2019-12-04➕BROAD, Hayley Victoria appointeddirector
- 2019-12-04➕EATON, Mark appointeddirector
- 2019-12-04➕WATT, Spencer appointeddirector
Owner dependency
50/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
3 med ·4 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: BROAD, Hayley Victoria resigned 2025-12-01; EATON, Mark resigned 2025-12-01; HUGHES, Philip Nigel resigned 2025-12-01
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Name changed recently
mediumName changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-12-18: certificate-change-of-name-company
Group structure
Carlos Bidco Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Carlos Bidco Limited
Corporate parent · holds 75-100% shares · board control
⬇
ABSOLUTE FINANCIAL GROUP LIMITED
This company · 12348752
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 |
|---|---|---|---|---|
Carlos Bidco Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/12/2025 |
4 historic (ceased) PSCs
- Mr Philip Nigel Hughesceased 01/12/2025· 25-50% shares · 25-50% voting · board control
- Mr Mark Eatonceased 01/12/2025· 25-50% shares · 25-50% voting · board control
- Mr Spencer Wattceased 01/12/2025· 25-50% shares · 25-50% voting · board control
- Mrs Hayley Victoria Broadceased 10/02/2020· 25-50% shares · 25-50% voting · board control
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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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
Incorporated2019-12-04
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
The Bull Yard
R/O 75 High Street
Ashford
Kent
TN24 8SN
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-12-18
Last: 2025-12-04
Officers (3 active · 4 resigned)
CARTER, David Kenneth→
Activedirector · ~40y · appointed 2025-12-01
View their other companies + combined net worth →
COLEMAN, Louise Christine→
Activedirector · ~40y · appointed 2025-12-01
View their other companies + combined net worth →
SEATON, Ryan William→
Activedirector · ~36y · appointed 2025-12-01
View their other companies + combined net worth →
BROAD, Hayley Victoria→
Resigneddirector · ~48y · appointed 2019-12-04 · resigned 2025-12-01
EATON, Mark→
Resigneddirector · ~62y · appointed 2019-12-04 · resigned 2025-12-01
HUGHES, Philip Nigel→
Resigneddirector · ~61y · appointed 2020-02-11 · resigned 2025-12-01
WATT, Spencer→
Resigneddirector · ~57y · appointed 2019-12-04 · resigned 2025-12-01
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
0
Outstanding
0
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | OakNorth Oaknorth Bank PLC (As Security Trustee) | A registered charge | — | 04/05/2022 | 04/12/2025 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank) | A registered charge | — | 01/02/2021 | 10/05/2022 | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank) | A registered charge | — | 01/02/2021 | 10/05/2022 | |
| satisfied | Philip Nigel Hughes as Security Trustee for the Secured Parties | A registered charge | 1 property | 10/02/2020 | 04/12/2025 |
Recent filings (50 total)
memorandum-articles
incorporation · MA
2026-02-27
resolution
resolution · RESOLUTIONS
2026-02-27
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-18
certificate-change-of-name-company
change-of-name · CERTNM
2025-12-18
capital-allotment-shares
capital · SH01
2025-12-18
change-account-reference-date-company-current-shortened
accounts · AA01
2025-12-04
mortgage-satisfy-charge-full
mortgage · MR04
2025-12-04
mortgage-satisfy-charge-full
mortgage · MR04
2025-12-04
capital-allotment-shares
capital · SH01
2025-12-02
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-12-02
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-02
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-02
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-02
termination-director-company-with-name-termination-date
officers · TM01
2025-12-01
termination-director-company-with-name-termination-date
officers · TM01
2025-12-01