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Everlix Group Holding Ltd — Founded 2026

From Farm to Fork
Across Africa

Integrated Agribusiness • 2026 – 2036

An emerging agribusiness conglomerate designed to become the dominant integrated food supply chain, processing, farming, retail, logistics, technology and financial services group in West Africa — built on the principle that sustainable wealth is created by owning the systems through which food moves.

8
Operating Subsidiaries
5
Phase Growth Plan
GHS
200M+
Year 10 Revenue Target
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Building the Systems
That Feed West Africa

Everlix Group is structured as a holding company — Everlix Group Holding Ltd — with eight interconnected operating subsidiaries, each addressing a critical node in the food supply chain. Every subsidiary reinforces the others, creating a self-reinforcing ecosystem with compounding competitive advantages.

Ghana's food sector is characterised by chronic inefficiency. Post-harvest losses reach 30–40% for perishables. Smallholder farmers receive only 20–30% of final consumer price. Processors operate below capacity due to unreliable raw material supply.

Everlix is designed to eliminate every one of these inefficiencies simultaneously — not as a charitable exercise, but as a highly profitable business model.

"To be the most trusted and integrated agribusiness ecosystem in Africa — connecting farmers, processors, distributors, retailers and consumers through technology, capital and world-class operations."

Reliable Supply. Trusted Quality.

8 Operating SubsidiariesSpanning the full food value chain from soil to shelf
🌱
Contract FarmingSecuring raw material supply directly from smallholder farmers
🏛️
UK-Standard GovernanceGhana operations with institutional-grade oversight
💳
Embedded Financial ServicesCredit products for suppliers, farmers and customers
🏪
Franchise ModelRapid retail expansion without proportional capital
💻
Technology PlatformProprietary Everlix Connect as the Group's digital backbone
🏗️
Asset-Backed SPV ModelInfrastructure acquired through investor leasing structures
🌍
Continental Vision5-phase plan targeting West African leadership and eventual IPO

The Everlix Ecosystem

Eight operating subsidiaries under one holding company — each addressing a critical node, each reinforcing the others.

A
Everlix Supply Chains Ltd
Aggregation, wholesale and B2B supply — the cashflow engine
Group 80% • Partner 20%
B
Everlix Retail & Franchising Ltd
Everlix Express & Everlix Extra retail store network and franchise model
Group 75% • Partner 25%
C
Everlix Foods & Processing Ltd
Value-added food manufacturing — 8 core branded product lines
Group 85% • Partner 15%
D
Everlix Logistics & Cold Chain Ltd
Fleet, cold rooms, warehouses and last-mile delivery infrastructure
Group 60% • Partner 40%
E
Everlix Farms Ltd
Contract farming, input supply and own-farm operations — three models
Group 80% • Partner 20%
F
Everlix Finance Ltd
Embedded financial services — farmer credit, customer facilities, franchisee loans
Group 70% • Partner 30%
G
Everlix Connect Technologies Ltd
Proprietary technology platform — orders, inventory, logistics, finance and data
Group 90% • Partner 10%
H
Everlix Capital & Assets Ltd
SPVs, asset leasing and investor vehicles — infrastructure without bank debt
Group 51% • Partner 49%
🔒 IP & Brand Protection: All intellectual property — the Everlix brand, trademarks, technology code and franchise manuals — is owned exclusively by Everlix Group Holding Ltd and licensed to each subsidiary. If any subsidiary faces difficulty, the Everlix brand survives intact.

Ghana's Food Sector —
The Structural Opportunity

A USD 4 billion+ food retail market growing at 8–10% annually, characterised by chronic inefficiency at every node of the supply chain.

20%
of Ghana's GDP from Agriculture
USD 2B+
Annual Food Import Bill
USD 4B+
Food Retail Market Size
8–10%
Annual Market Growth Rate
30–40%
Post-Harvest Losses
2.5M+
Smallholder Farmers Nationally

Target Market Segments

SegmentMarket Size (Accra)Everlix Entry Point
Restaurants & Chop Bars30,000+Reliable bulk supply at fair prices
Schools & Institutions5,000+ nationallySchool feeding contracts, consistent delivery
Hotels & Hospitality500+Premium quality, cold chain delivery
Home Customers2M+ householdsConvenience, quality, Everlix Express stores
Supermarkets & Shops1,000+Branded Everlix processed goods
Smallholder Farmers2.5M+ nationallyInput supply, guaranteed offtake via Farms

From Cashflow to Continental

A disciplined, phased expansion from single-city cashflow business to pan-African integrated group — each phase self-funding the next.

Phase 1
Year 1 – 2
Cashflow & Trust
Launch Everlix Express Store 1. Secure 50+ B2B accounts. Clean audited accounts. First 10 contract farmers. Stanbic banking facility. Investor vehicle leases signed. All systems live.
GHS 1.3M target
Phase 2
Year 2 – 4
Control Distribution
100+ contract farmers. First own cold room. First owned delivery truck. Everlix Connect v1. Launch Farms Ltd. 3 retail stores operational.
GHS 5M+ target
Phase 3
Year 3 – 6
Platform & Franchise
10+ Everlix Express franchise stores. 500+ contract farmers. Processing factory operational. Everlix Finance launched. SPV asset portfolio growing.
GHS 20M+ target
Phase 4
Year 5 – 10
Financialisation
Fleet SPVs operational. Everlix Connect as standalone platform. School feeding government contract. Carbon credits. REIT-style investor structures.
GHS 100M+ target
Phase 5
Year 8 – 15
Continental
Operations in Nigeria, Kenya or Senegal. Everlix Connect licensed to third parties. Pan-African food export brand. IPO or private valuation USD 500M+.
GHS 200M+ target

Revenue Model & Projections

Eight revenue streams stacking on the same infrastructure — each subsidiary profitable on its own, exponential in combination.

Revenue Model by Subsidiary

Supply Chains Ltd
20–30%
Wholesale supply margin on bulk food distribution
Phase 1+
Retail & Franchising Ltd
30–45%
Retail margin + franchise royalties from network
Phase 1+
Foods & Processing Ltd
35–50%
Transfer price margin + branded product sales
Phase 1+
Logistics & Cold Chain Ltd
40–55%
Logistics fees + cold storage rental income
Phase 2+
Everlix Farms Ltd
25–40%
Produce supply + input recovery margin
Phase 2+
Everlix Finance Ltd
60–70%
Interest income + fees on farmer & customer credit
Phase 3+
Connect Technologies Ltd
70–85%
SaaS fees + data + transaction fees
Phase 3+
Capital & Assets Ltd
50–65%
Asset management + SPV structuring fees
Phase 4+

Indicative Revenue Projections (GHS)

Revenue StreamYear 1Year 2Year 3Year 5Year 10
Wholesale & Supply800K2.5M6M15M40M
Retail & Franchise200K800K3M12M50M
Processing & Foods300K1.2M4M10M30M
Logistics & Cold Chain500K2M6M20M
Farms Ltd600K2M5M15M
Finance Ltd1M5M25M
Connect Technologies500K3M20M
TOTAL GROUP REVENUEGHS 1.3MGHS 5.6MGHS 18.5MGHS 56MGHS 200M+

Projections are indicative based on conservative market penetration assumptions. Actual results depend on execution quality, capital availability and market conditions.

Asset-Backed Investor Model

Everlix scales logistics and infrastructure without proportional bank debt — by empowering investors to own and lease the assets.

AssetInvestor CostMonthly PaymentTermTotal PaidInvestor Return
Pickup TruckGHS 100,000GHS 5,00024 monthsGHS 120,000GHS 20,000 (20%)
MotorbikeGHS 12,000GHS 70020 monthsGHS 14,000GHS 2,000 (17%)
Refrigerated VanGHS 180,000GHS 9,00024 monthsGHS 216,000GHS 36,000 (20%)
Cold RoomGHS 250,000GHS 12,00036 monthsGHS 432,000GHS 182,000 (73%)
Warehouse BuildGHS 400,000GHS 18,00036 monthsGHS 648,000GHS 248,000 (62%)
🏛️
Passive Income Buy once, receive monthly payments with zero operational involvement
🔐
Asset-Backed Security Investor retains physical ownership throughout — the asset is collateral
📈
Strong Returns 20–70%+ on asset cost over the lease term — far above bank savings rates
🤝
Group Guarantee Everlix Group Holding Ltd guarantees all lease payments — full Group covenant
🪜
Scalable Entry Start with one motorbike at GHS 12,000. Scale to a fleet or a cold room.
🚪
Dual Exit Options Lease-to-Own: recover capital plus return. Pure Lease: retain a physical asset.

Right Capital for the Right Stage

Grants for early-stage validation. Debt for infrastructure. Equity only for scale — never mixed. Each subsidiary is designed to attract the appropriate type of capital for its risk profile.

Phase 1–2
Founder Capital + Bank Debt
Stanbic Bank • GCB Bank
Working capital, first vehicles, cold storage, staff
Phase 2–3
Development Grants + Agri-Debt
USAID • GIZ • AfDB • AGRA
Farm programmes, input supply, processing equipment
Phase 3–4
Private Equity — Subsidiary Level
West Africa PE Funds • Impact Investors
Cold rooms, fleet, processing factory, franchise expansion
Phase 4–5
Institutional Debt + SPVs
Stanbic • Absa • Infrastructure Funds
Asset acquisition, warehouse financing, cold chain rollout
Phase 5
IPO / Strategic Sale
Ghana Stock Exchange • Pan-African Listing
Continental expansion, technology scale, brand investment

The Team Behind the Group

UK-standard governance delivered through a senior Ghana-based management team — with Alfred Cobbold providing strategic oversight and banking authority from the United Kingdom.

AC
Alfred Cobbold
Founder & Group CEO
🇬🇧 United Kingdom (Remote)
UK-based Ghanaian entrepreneur and founder of the Everlix Group. Provides remote management oversight, strategy, banking authority and investor relations. Holds final approval authority on all significant transactions.
AA
Aaron Ampofo
Co-Founder, Operations Director & Executive Director
🇬🇭 Accra, Ghana
Ghana-based executive responsible for all operational activities — procurement, logistics, staff management, customer relationships and daily business operations. The critical on-the-ground anchor of the Everlix Group.
AY
Aishatu Yakubu
Company Secretary & Board Secretary
🇬🇭 Accra, Ghana
Officer in Charge of Administration & Finance. Responsible for corporate governance, financial administration and board compliance. Joint signatory on all banking transactions alongside Aaron Ampofo.
🏦
Banking — Stanbic Bank Ghana Limited ALL withdrawals require JOINT signatures from Aaron Ampofo AND Aishatu Yakubu — regardless of amount. Alfred Cobbold holds remote final approval authority on all significant transactions. No single signatory banking at any level of the Group.

Why Everlix Will Win

Everlix is not a food delivery business. It is not a supermarket chain. It is not a microfinance company. It is all of these things simultaneously — and it is the integration that creates an unassailable competitive position.

01
Vertical Integration Soil to Shelf
Unique in Ghana. No competitor spans farming, processing, logistics, retail, technology and finance simultaneously. Each layer compounds the advantage of every other.
02
Embedded Finance Creating Lock-In
When your customer borrows from you and buys from you, they do not leave. Everlix Finance creates the financial dependency that makes customer retention structural, not relational.
03
Contract Farming Eliminating Supply Risk
Raw material unpredictability is the food industry's greatest risk. Everlix Farms eliminates it through three distinct farming models — contract, input supply and own-farm operations.
04
Asset-Backed Investor Model
Everlix scales logistics and infrastructure without proportional bank debt by empowering private investors to own and lease back the assets — motorbikes to cold rooms to warehouses.
05
Technology Platform Network Effects
Everlix Connect — the proprietary platform — creates network effects and data assets that compound in value year on year. By Phase 5, it will be the highest-valued entity in the portfolio.
06
UK-Standard Governance
In a market where governance is the differentiator for banks, development funders and institutional investors, Everlix operates to international standards from day one.

"You are not building Everlix the business. You are building Everlix the System."

Alfred Cobbold — Founder & Group CEO

Partner With the Group

Whether you are an investor, institutional customer, development funder or potential franchise partner — we welcome conversations with those who share our vision for transforming West African food systems.