AFFINITY BUREAU LTD

💤Zombieactive
13507940 · ltd · incorporated 2021-07-13
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
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Turnover
year to Nov 2025
Net worth
£5.0k
book net assets
Opportunity
68/100
Strong
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle. Reasonable fundamentals — worth a memo before deciding.

Opportunity 68/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

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
1 officers (1 active, 1 linked, 1 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
15 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
68/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
77
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 £4,998

Key financials

1 year extracted from filed iXBRL accounts
Cash
£531k
Net Worth
£5k
Current Assets
£534k
Current Liabilities

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-11-30
Total assets£5.0k
Current assets£533.8k
Cash£531.3k
Debtors£2.4k
Net assets£5.0k

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
0
filings
Last 90 days
2
filings
  • 1 accounts
  • 1 confirmation-statement
Last 180 days
4
filings
  • 2 accounts
  • 2 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (11 events)Click to expand
  1. 2026-03-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-11-19
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  3. 2025-11-13
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2025-03-25
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  5. 2024-11-15
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  6. 2024-08-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2024-03-21
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  8. 2023-04-06
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  9. 2021-07-13
    🏢
    Company incorporated
    As AFFINITY BUREAU LTD
  10. 2021-07-13
    METCALFE, Christopher appointed
    director
  11. 2021-07-13
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

75/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

45/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

1 med ·
Name changed recently
medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2024-11-15: certificate-change-of-name-company

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Christopher Metcalfe
Individual · British · DOB 03/1970 · age 56
75100%
75–100%board control75-100% shares · 75-100% voting · board control13/07/2021

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

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
Incorporated2021-07-13
Jurisdictionengland-wales
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Littern Oldhill Wood
Studham
Dunstable
LU6 2NE
England

Filing status

Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2027-02-14
Last: 2026-01-31

Officers (1 active · 0 resigned)

METCALFE, Christopher
director · ~56y · appointed 2021-07-13
View their other companies + combined net worth →
Active

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

Recent filings (15 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-20
change-account-reference-date-company-current-extended
accounts · AA01
2025-11-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-13
accounts-with-accounts-type-dormant
accounts · AA
2025-03-25
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-22
certificate-change-of-name-company
change-of-name · CERTNM
2024-11-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-08-05
accounts-with-accounts-type-dormant
accounts · AA
2024-03-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-24
accounts-with-accounts-type-dormant
accounts · AA
2023-04-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-21
incorporation-company
incorporation · NEWINC
2021-07-13