AUTOMOTIVE FINANCIAL SERVICES LIMITED
Opportunity 50/100 (worth a look), bankability 52/100. Strong seller-intent signal (88/100, director aged 78). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 20 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: asset disposal / carve-out (45/100). Current lenders should be on monthly review.
Refinance opportunity
89 live charges · 20 lenders · oldest 35.1y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 35.1 years old — likely at or near maturity.
- · 20 lenders named — inter-creditor friction likely.
- · Legal-friction score 65/100 (specialist).
Data confidence
Overall: low (53/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Recent activity
Corporate timeline (232 events)Click to expand
- 2022-01-04⚠️gazette-dissolved-liquidationgazette · GAZ2
- 2022-01-04🏁Company dissolved
- 2021-10-04⚠️liquidation-voluntary-members-return-of-final-meetinginsolvency · LIQ13
- 2021-10-01⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2020-11-26⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2019-11-28⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2018-10-01⚠️liquidation-voluntary-declaration-of-solvencyinsolvency · LIQ01
- 2018-10-01⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2018-10-01📄resolutionresolution · RESOLUTIONS
- 2018-04-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2018-04-02➖MOWATT, Rigel Kent resigneddirector
- 2017-11-30📄legacycapital · SH20
- 2017-11-30📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2017-11-30⚠️legacyinsolvency · CAP-SS
- 2017-11-30📄resolutionresolution · RESOLUTIONS
- 2017-11-13📄change-person-director-company-with-change-dateofficers · CH01
- 2017-05-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-03-14📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-05-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2015-03-23📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-10-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2014-04-08📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-04-08📄change-person-director-company-with-change-dateofficers · CH01
- 2014-04-08📄change-person-director-company-with-change-dateofficers · CH01
- 2013-09-16➖BROOMFIELD SECRETARIAL SERVICES LIMITED resignedcorporate-secretary
- 2007-04-27➖DIPLOCK, Neill Alexander resigneddirector
- 2002-05-03➕DIPLOCK, Neill Alexander appointeddirector
- 2002-05-03➖POSTLETHWAITE, Ian David resigneddirector
- 2001-12-13➖KERSHAW, David Wallace resigneddirector
- 2001-04-20➖BARCLAY, Aidan Stuart resigneddirector
- 2001-04-20➕POSTLETHWAITE, Ian David appointeddirector
- 2000-12-29🔓Charge satisfied #89
- 2000-12-29🔓Charge satisfied #88
- 2000-12-29🔓Charge satisfied #87
- 2000-12-29🔓Charge satisfied #86
- 2000-12-29🔓Charge satisfied #85
- 2000-12-29🔓Charge satisfied #83
- 2000-12-29🔓Charge satisfied #82
- 2000-12-29🔓Charge satisfied #79
- 2000-12-29🔓Charge satisfied #80
- 2000-12-29🔓Charge satisfied #73
- 2000-12-29🔓Charge satisfied #71
- 2000-12-29🔓Charge satisfied #69
- 2000-12-29🔓Charge satisfied #66
- 2000-12-29🔓Charge satisfied #65
- 2000-12-29🔓Charge satisfied #64
- 2000-12-29🔓Charge satisfied #35
- 2000-12-29🔓Charge satisfied #34
- 2000-12-29🔓Charge satisfied #33
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 78 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 31 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 43 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 high · 1 med ·Company has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2022-01-04
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2022-01-04: gazette-dissolved-liquidation; 2021-10-04: liquidation-voluntary-members-return-of-final-meeting
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
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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| 007 TRANSPORTATION LTD→ 16773315 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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| A.E.BARTHOLOMEW & COMPANY LIMITED→ 00713308 · est 1962 · no financials extracted | — | — | — | — | 64y | — | — |
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| AAS AUTOMOTIVE LIMITED→ 16713158 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AB CAPITAL DRIVE LTD→ 16820363 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
10 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.
Available from the Pro tier upwards.
See pricing →Company details
Registered office
Filing status
Officers (0 active · 17 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Auto Funding No.3 Auto Funding No.3 PLC | Supplemental deed of charge and assignment between the company, auto funding no.3 PLC, auto funding no. 2 trustee limited, bankers trustee company limited (the "supplemental charge") being supplemental to the afs securitisation charge | 1 property | 30/10/2000 | 29/12/2000 | |
| satisfied | Auto Funding No.3 Auto Funding No.3 PLC | Supplemental deed of charge and assignment between afs, auto funding no. 3 PLC auto funding no. 2 trustee limited, bankers trustee company limited being supplemental to the afs securitisation charge | 1 property | 29/09/2000 | 29/12/2000 | |
| satisfied | Auto Funding No.3 Auto Funding No.3 PLC | Supplemental deed of charge and assignment being supplemental to the afs securitisation charge | 2 properties | 30/08/2000 | 29/12/2000 | |
| satisfied | Auto Funding No.3 Auto Funding No.3 PLC | Supplemental deed of charge and assignment (as defined) | 1 property | 31/07/2000 | 29/12/2000 | |
| satisfied | Auto Funding No.3 Auto Funding No.3 PLC | Supplemental deed of charge and assignment (as defined) | 2 properties | 30/06/2000 | 29/12/2000 | |
| satisfied | Auto Funding No 2 Auto Funding No 2 PLC | Supplemental deed of charge and assignment (as defined) being supplemental to the afs securitisation charge | 1 property | 16/06/2000 | 18/12/2000 | |
| satisfied | Auto Funding No 3 Auto Funding No 3 PLC | Supplemental deed of charge and assignment (as defined) being supplemental to the afs securitisation charge | 1 property | 06/06/2000 | 29/12/2000 | |
| satisfied | Auto Funding No.3 Auto Funding No.3 PLC | Supplemental deed of charge and assignment (as defined) | 1 property | 30/05/2000 | 29/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment (as defined) being supplemental to the afs securitisation charge | 1 property | 16/05/2000 | 18/12/2000 | |
| satisfied | Auto Funding No.3 Auto Funding No.3 PLC | Supplemental deed of charge and assignment between afs (1) auto funding no 3.PLC (2) auto funding no.2 Trustee limited (3) bankers trustee company limited (4) (the "supplemental charge") being supplemental to the afs securitisation charge | 1 property | 04/05/2000 | 29/12/2000 | |
| satisfied | Auto Funding No. 3 Auto Funding No. 3 PLC | Supplemental deed of charge and assignment dated 28 april 2000 between afs auto funding no.3 PLC auto funding no. 2 trustee limited, bankers trustee company limited, (the "supplemental charge") being supplemental to the afs securitsation charge | 1 property | 28/04/2000 | 29/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment between afs (1) auto funding no 2.PLC (2) auto funding no.2 Trustee limited (3) the law debenture trust corporation PLC (4) the "supplemental charge") being supplemental to the afs securitisation charge | 1 property | 17/04/2000 | 18/12/2000 | |
| satisfied | Auto Funding No 2 Auto Funding No 2 PLC | Supplemental deed of charge and assignment being supplemental to the afs securitisation charge | 1 property | 16/03/2000 | 18/12/2000 | |
| satisfied | Auto Funding No. 2 Auto Funding No. 2 PLC | Supplemental deed of charge and assignment being supplemental to the afs securitisation charge issued by the company | 1 property | 16/02/2000 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment (supplemental to the afs securitisation charge) | 1 property | 17/01/2000 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment being supplemental to the afs securitisation charge | 1 property | 16/12/1999 | 18/12/2000 | |
| satisfied | Auto Funding No. 3 Auto Funding No. 3 PLC | Supplemental deed of charge and assignment | 1 property | 30/11/1999 | 29/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment dated 16TH november 1999 between afs auto funding no.2 PLC auto funding no.2 Trustee limited and the law debenture trust corporation PLC being supplemental to the afs securitisation charge | 1 property | 16/11/1999 | 18/12/2000 | |
| satisfied | Auto Funding No. 3 Auto Funding No. 3 PLC | Supplemental deed of charge and assignment | 1 property | 29/10/1999 | 29/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment between afs auto funding no.2 PLC auto funding no.2 Trustee limited and the law debenture trust corporation PLC being to the afs securitisation charge | 1 property | 18/10/1999 | 18/12/2000 | |
| satisfied | Auto Funding No. 3 Auto Funding No. 3 PLC | Supplemental deed of charge and assignment being supplemental to the afs securitisation charge | 2 properties | 30/09/1999 | 29/12/2000 | |
| satisfied | Auto Funding No. 2 Auto Funding No. 2 PLC | Supplemental deed of charge and assignment, being supplemental to the afs securitisation charge, issued by the company | 1 property | 16/09/1999 | 18/12/2000 | |
| satisfied | Auto Funding No. 2 Auto Funding No. 2 PLC | Supplemental deed of charge and assignment, being supplemental to the afs securitiation charge, issued by the company | 1 property | 16/08/1999 | 18/12/2000 | |
| satisfied | The Bank of Nova Scotia,as Trustee for the Beneficiaries (As Defined) | Second supplemental debenture | 1 property | 27/07/1999 | 29/12/2000 | |
| satisfied | Auto Funding No.2 Trustee Auto Funding No.2 Trustee Limited | Deed of charge | 1 property | 27/07/1999 | 29/12/2000 | |
| satisfied | Auto Funding No.3 Auto Funding No.3 PLC | Deed of charge and assignment | 1 property | 27/07/1999 | 29/12/2000 | |
| satisfied | Auto Funding No. 2 Auto Funding No. 2 PLC | Supplemental deed of charge and assignment, being supplemental to the afs securitiation charge, issued by the company | 1 property | 16/06/1999 | 18/12/2000 | |
| satisfied | Auto Funding No 2. Auto Funding No 2. PLC | Supplemental deed of charge and assignment | 1 property | 17/05/1999 | 18/12/2000 | |
| satisfied | Auto Funding No 2. Auto Funding No 2. PLC | Supplemental deed of charge and assignment | 1 property | 16/04/1999 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment | 1 property | 16/03/1999 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment | 1 property | 16/02/1999 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment | 1 property | 18/01/1999 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed and assignment | 1 property | 16/12/1998 | 18/12/2000 | |
| satisfied | Auto Funding No. 2 Auto Funding No. 2 PLC | Supplemental deed of charge and assignment | 4 properties | 16/11/1998 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental afs securitisation charge | 1 property | 16/10/1998 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment | 1 property | 16/09/1998 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment | 1 property | 17/08/1998 | 18/12/2000 | |
| satisfied | Auto Funding No. 2 Auto Funding No. 2 PLC | Supplemental deed of charge and assignment (to the afs securitisation charge dated 29 july 1996) | 1 property | 16/07/1998 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge | 1 property | 16/06/1998 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment | 1 property | 18/05/1998 | 18/12/2000 | |
| satisfied | Auto Funding No. 2 Auto Funding No. 2 PLC | Supplemental deed (supplemental to the afs securitisation charge dated 29 july 1996) | 2 properties | 16/04/1998 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment | 1 property | 16/04/1998 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment | 2 properties | 16/03/1998 | 18/12/2000 | |
| satisfied | Auto Funding No. 2 Auto Funding No. 2 PLC | Supplemental deed of charge and assignment | 2 properties | 16/04/1997 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment | 1 property | 26/03/1997 | 18/12/2000 | |
| satisfied | Auto Funding No. 2 Auto Funding No. 2 PLC | Supplemental deed of charge and assignment | 1 property | 17/03/1997 | 18/12/2000 | |
| satisfied | Auto Funding No. 2 Auto Funding No. 2 PLC | Supplemental deed of charge and assignment | 1 property | 17/02/1997 | 18/12/2000 | |
| satisfied | Auto Funding No 2 Auto Funding No 2 PLC | Supplemental deed of charge and assignment supplemental to the afs securitisation charge | 1 property | 21/01/1997 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment | 1 property | 16/01/1997 | 18/12/2000 | |
| satisfied | Autofunding No. 2 Autofunding No. 2 PLC | Supplemental deed of charge and assignment | 1 property | 16/12/1996 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assigmment | 1 property | 16/10/1996 | 18/12/2000 | |
| satisfied | Auto Funding No 2 Auto Funding No 2 PLC | Supplemental deed of charge and assignment | 1 property | 16/09/1996 | 18/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Charge (the "supplemental afs securitisation floating charge") | 1 property | 16/09/1996 | 11/10/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Supplemental deed of charge and assignment | 2 properties | 16/08/1996 | 18/12/2000 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland, as Trustee for the Beneficiaries | Supplemental debenture | 2 properties | 30/07/1996 | 29/12/2000 | |
| satisfied | Auto Funding No.2 Auto Funding No.2 PLC | Deed of charge and assignment | 2 properties | 29/07/1996 | 29/12/2000 | |
| satisfied | Auto Funding No.2 Trustee and Any Other Person Acting as Trustee or Trustees (As Defined) Auto Funding No.2 Trustee Limited and Any Other Person Acting as Trustee or Trustees (As Defined) | Deed of charge | 1 property | 29/07/1996 | 29/12/2000 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland,as Trustee for the Beneficiaries | Debenture | 1 property | 16/12/1994 | 29/12/2000 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memeorandum of assignment | 1 property | 29/12/1993 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 25/11/1993 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 11/10/1993 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 27/09/1993 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 13/09/1993 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 25/08/1993 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 26/07/1993 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 25/06/1993 | 03/11/1994 | |
| satisfied | Auto Funding Trustee . Auto Funding Trustee Limited. | Memorandum of assignment | 1 property | 25/05/1993 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 26/04/1993 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 25/03/1993 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 25/02/1993 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 25/01/1993 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 29/12/1992 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 25/11/1992 | 03/11/1994 | |
| satisfied | Union Bank of Switzerlandas Security Agent on Trust for Itself and the Banks (As Defined) | Mortgage debenture | 1 property | 04/11/1992 | 15/09/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 26/10/1992 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 25/09/1992 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 25/08/1992 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 27/07/1992 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 25/06/1992 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 26/05/1992 | 03/11/1994 | |
| satisfied | Auto Funding Trustees (And Its Successors in Title and Assigns) Auto Funding Trustees Limited (And Its Successors in Title and Assigns) | Floating charge | 1 property | 22/05/1992 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 27/04/1992 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 25/03/1992 | 03/11/1994 | |
| satisfied | Auto Funding Trustee . Auto Funding Trustee Limited. | Memorandum of assignment | 1 property | 25/02/1992 | 03/11/1994 | |
| satisfied | Auto Funding Trustees . Auto Funding Trustees Limited. | Memorandum of assignment | 1 property | 27/01/1992 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 27/12/1991 | 03/11/1994 | |
| satisfied | Auto Funding Trustee Auto Funding Trustee Limited | Memorandum of assignment | 1 property | 23/12/1991 | 03/11/1994 | |
| satisfied | Credit Suisse | Deed of variation | 1 property | 15/07/1991 | 10/07/1992 | |
| satisfied | Credit Suisse(The "Security Agent") for the Banks (as Defined) | Mortgage debenture | 1 property | 22/03/1991 | 10/07/1992 |