AF PHARMA LTD
🌿Early-stageactive
SC772784 · ltd · incorporated 2023-06-15
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Dispensing chemist in specialised stores
Sector: Wholesale & retail
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 72/100 (strong), bankability 70/100. 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 (58/100).
🏦
Refinance opportunity
4 live charges · 2 lenders · oldest 2.4y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 2.4 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
15 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 700 | 700 |
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
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-11-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-06-28🔓Charge satisfied #1
- 2024-05-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-30🔒Charge registered #4Lender: Tsb Bank PLC
- 2024-03-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-05🔒Charge registered #3Lender: Tsb Bank PLC
- 2024-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-15🔒Charge registered #2Lender: Tsb Bank PLC
- 2023-11-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-13🔒Charge registered #1Lender: Lloyds Pharmacy Limited
- 2023-09-15📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-09-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-06-15🏢Company incorporatedAs AF PHARMA LTD
- 2023-06-15➕DIAB, Ather Amer Moussa appointeddirector
- 2023-06-15➕MEHMOOD, Farhad Adil appointeddirector
- 2023-06-15📄incorporation-companyincorporation · NEWINC
Owner dependency
63/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Young company: Only 2.9 years old — management layer unlikely to be developed.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ather Amer Moussa Diab Individual · British · DOB 04/2000 · age 26 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control · trust interest · firm interest | 15/09/2023 |
Mr Farhad Adil Mehmood Individual · British · DOB 12/1999 · age 27 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control · trust interest · firm interest | 15/06/2023 |
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
Active · Retail · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A G BANNERMAN LIMITED→ SC231282 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ABZT RETAILS LTD→ SC700579 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ADAM PVT LTD→ SC798595 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AESTHOLOGY LTD→ SC715111 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AFAH LIMITED→ SC711794 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AFFORDABLE GOLF LTD.→ SC350505 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| AFSHAN TRADERS LTD→ SC785718 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AHSANTRADEX LIMITED→ SC882426 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AHU RETAIL LTD→ SC772166 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AIHTRADERS LTD→ SC847827 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AIKENDHEAD GROCERY LIMITED→ SC791319 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AIMEE BRIDAL COUTURE LIMITED→ SC552805 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2023-06-15
Jurisdictionscotland
Primary SIC47730 — Dispensing chemist in specialised stores
Registered office
63 Cartside Road
Clarkston
Glasgow
G76 8QG
Scotland
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-08-22
Last: 2025-08-08
Officers (2 active · 0 resigned)
DIAB, Ather Amer Moussa→
Activedirector · ~26y · appointed 2023-06-15
View their other companies + combined net worth →
MEHMOOD, Farhad Adil→
Activedirector · ~27y · appointed 2023-06-15
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
3
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Tsb Bank PLC | A registered charge | 6 properties | 30/05/2024 | — | |
| outstanding | Lloyds Banking Group Tsb Bank PLC | A registered charge | — | 05/03/2024 | — | |
| outstanding | Lloyds Banking Group Tsb Bank PLC | A registered charge | — | 15/01/2024 | — | |
| satisfied | Lloyds Banking Group Lloyds Pharmacy Limited | A registered charge | 1 property | 13/11/2023 | 28/06/2024 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (15 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-13
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-08
mortgage-satisfy-charge-full
mortgage · MR04
2024-06-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-03-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-23
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-08
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-20
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-09-15
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-09-15
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-15
incorporation-company
incorporation · NEWINC
2023-06-15