AFFORDABLE TALK CIC

🏛️Establishedactive
12753755 · private-limited-guarant-nsc · incorporated 2020-07-19
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
—
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Turnover
—
year to Jul 2024
Net worth
£4.6k
book net assets
Opportunity
76/100
Strong
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What this business does
Primary activity: Other human health activities
Sector: Human health & social work
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 76/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (70/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
5 officers (4 active, 5 linked, 5 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
13 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
70
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 102
Positive net assets
Net assets £4,578

Key financials

1 year extracted from filed iXBRL accounts
Cash
£5k
Net Worth
£5k
Current Assets
£6k
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-07-31
Total assets£8.1k
Current assets£6.0k
Cash£5.2k
Debtors£763
Net assets£4.6k

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

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (15 events)Click to expand
  1. 2026-04-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-04-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-07-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-06-18
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2023-04-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-04-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-12-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2021-11-30
    ➖
    MOORE, Jacqueline Marie resigned
    director
  9. 2020-07-19
    🏢
    Company incorporated
    As AFFORDABLE TALK CIC
  10. 2020-07-19
    ➕
    RYAN, Joan Mary appointed
    director
  11. 2020-07-19
    ➕
    STENBECK, Carin Emily Astrid appointed
    director
  12. 2020-07-19
    ➕
    WALSH, Amanda Lee appointed
    director
  13. 2020-07-19
    ➕
    WILLIAMS, Clare Louise appointed
    director
  14. 2020-07-19
    ➕
    MOORE, Jacqueline Marie appointed
    director
  15. 2020-07-19
    📄
    incorporation-community-interest-company
    incorporation · CICINC

Owner dependency

55/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 70 — succession pressure is live.

Succession & seller-readiness

60/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.

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
NameSharesVoting rightsNature of controlNotified
Amanda Lee Walsh
Individual · British · DOB 11/1956 · age 70
——sig. influencesignificant influence19/07/2020

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.

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Company details

Statusactive
Typeprivate-limited-guarant-nsc
Incorporated2020-07-19
Jurisdictionengland-wales
Primary SIC86900 — Other human health activities

Registered office

Suite 7, 33-35 Suite 7, 33-35 West Bute Street
Cardiff
CF10 5LH
Wales

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-07-17
Last: 2025-07-03

Officers (4 active · 1 resigned)

RYAN, Joan Mary→
director · ~66y · appointed 2020-07-19
View their other companies + combined net worth →
Active
STENBECK, Carin Emily Astrid→
director · ~37y · appointed 2020-07-19
View their other companies + combined net worth →
Active
WALSH, Amanda Lee→
director · ~70y · appointed 2020-07-19
View their other companies + combined net worth →
Active
WILLIAMS, Clare Louise→
director · ~55y · appointed 2020-07-19
View their other companies + combined net worth →
Active
MOORE, Jacqueline Marie→
director · ~64y · appointed 2020-07-19 · resigned 2021-11-30
Resigned

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

Recent filings (13 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-06-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-19
termination-director-company-with-name-termination-date
officers · TM01
2021-12-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-06
incorporation-community-interest-company
incorporation · CICINC
2020-07-19