AI FINANCE INTERNATIONAL HOLDINGS LTD
Opportunity 76/100 (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 (73/100).
Data confidence
Overall: medium (56/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 4 persons-with-significant-control
- • 1 confirmation-statement
Corporate timeline (8 events)Click to expand
- 2026-01-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-01-14📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-01-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2026-01-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-02-13🏢Company incorporatedAs AI FINANCE INTERNATIONAL HOLDINGS LTD
- 2025-02-13➕CHAPPELL, Gerald appointeddirector
- 2025-02-13➕MELIS, Alexander appointeddirector
- 2025-02-13📄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.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
- +Young company: Only 1.3 years old — management layer unlikely to be developed.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanGroup structure
2 corporate shareholders identified. Group structure is distributed.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Fintern Holdings Ltd Corporate entity | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 13/02/2025 |
Ibancapital Ltd Corporate entity | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 13/02/2025 |
2 historic (ceased) PSCs
- Mr Gerald Chappellceased 13/01/2026· significant influence
- Mr Alexander Melisceased 13/01/2026· significant influence
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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7 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.
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Registered office
Filing status
Officers (2 active · 0 resigned)
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