ABS FINANCIAL PLANNING LIMITED

🌳Matureactive
02658254 · ltd · incorporated 1991-10-29
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£168.7k
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 79-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 79). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (79/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
13 officers (4 active, 13 linked, 9 with DOB)
84
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
136 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
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 £168,729
Cash YoY
-4%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£144k
↓ 3.5% YoY
Net Worth
£169k
↑ 2.7% YoY
Current Assets
£224k
↑ 2.1% YoY
Current Liabilities
—
£0£45k£89k£134k£179k£224kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£169.2k£164.6k
Current assets£223.7k£219.0k
Cash£143.8k£149.0k
Debtors£79.9k£70.0k
Net assets£168.7k£164.2k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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
0
filings
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
  1. 2025-07-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-07-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-06-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-11-16
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  5. 2022-11-16
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2022-11-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2022-11-16
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2022-11-16
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  9. 2022-11-16
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2022-07-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-12-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-10-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2020-07-14
    📄
    capital-allotment-shares
    capital · SH01
  14. 2020-07-14
    📄
    capital-allotment-shares
    capital · SH01
  15. 2020-07-14
    📄
    capital-allotment-shares
    capital · SH01
  16. 2020-07-14
    📄
    resolution
    resolution · RESOLUTIONS
  17. 2020-07-14
    📄
    resolution
    resolution · RESOLUTIONS
  18. 2020-07-14
    📄
    statement-of-companys-objects
    change-of-constitution · CC04
  19. 2020-07-14
    📄
    memorandum-articles
    incorporation · MA
  20. 2020-06-19
    ➕
    SHIELDS, Claire appointed
    secretary
  21. 2020-06-19
    ➖
    SUTCLIFFE, Andrea Rosamund resigned
    secretary
  22. 2019-11-07
    ➕
    CLARKSON, Piers Denzil Knight appointed
    director
  23. 1999-03-31
    ➖
    BAKER, Eric James resigned
    director
  24. 1997-05-30
    ➕
    SUTCLIFFE, Andrea Rosamund appointed
    director
  25. 1996-11-21
    ➖
    MEREDITH, Patricia resigned
    director
  26. 1995-09-20
    ➖
    MEREDITH, Patricia resigned
    secretary
  27. 1995-09-20
    ➕
    SUTCLIFFE, Andrea Rosamund appointed
    secretary
  28. 1995-07-27
    ➕
    SHIELDS, Graham appointed
    director
  29. 1995-03-07
    ➖
    BURNHAM, Jenny resigned
    director
  30. 1994-12-30
    ➕
    BAKER, Eric James appointed
    director
  31. 1994-07-10
    ➖
    SIMOU, Panos resigned
    director
  32. 1994-07-08
    ➖
    DOBBS, Russell resigned
    director
  33. 1994-07-02
    ➕
    BURNHAM, Jenny appointed
    director
  34. 1994-06-17
    ➖
    DOBBS, Russell resigned
    secretary
  35. 1994-06-17
    ➕
    MEREDITH, Patricia appointed
    secretary
  36. 1994-06-17
    ➕
    MEREDITH, Patricia appointed
    director
  37. 1993-10-18
    ➖
    BENJAMIN, David resigned
    director
  38. 1991-10-29
    🏢
    Company incorporated
    As ABS FINANCIAL PLANNING LIMITED

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
  • +Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 79 — succession pressure is live.

Succession & seller-readiness

90/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 31 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 35 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Graham Shields
Individual · British · DOB 05/1959 · age 67
50–75%
50–75%50-75% shares · 50-75% voting06/04/2016
Mrs Andrea Rosamund Sutcliffe
Individual · British · DOB 09/1947 · age 79
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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
Incorporated1991-10-29
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

184 Portswood Road
Southampton
Hampshire
SO17 2NJ

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-12
Last: 2025-10-29

Officers (4 active · 9 resigned)

SHIELDS, Claire→
secretary · appointed 2020-06-19
View their other companies + combined net worth →
Active
CLARKSON, Piers Denzil Knight→
director · ~55y · appointed 2019-11-07
View their other companies + combined net worth →
Active
SHIELDS, Graham→
director · ~67y · appointed 1995-07-27
View their other companies + combined net worth →
Active
SUTCLIFFE, Andrea Rosamund→
director · ~79y · appointed 1997-05-30
View their other companies + combined net worth →
Active
DOBBS, Russell→
secretary · resigned 1994-06-17
Resigned
MEREDITH, Patricia→
secretary · appointed 1994-06-17 · resigned 1995-09-20
Resigned
SUTCLIFFE, Andrea Rosamund→
secretary · appointed 1995-09-20 · resigned 2020-06-19
Resigned
BAKER, Eric James→
director · ~92y · appointed 1994-12-30 · resigned 1999-03-31
Resigned
BENJAMIN, David→
director · ~89y · resigned 1993-10-18
Resigned
BURNHAM, Jenny→
director · ~85y · appointed 1994-07-02 · resigned 1995-03-07
Resigned
DOBBS, Russell→
director · ~75y · resigned 1994-07-08
Resigned
MEREDITH, Patricia→
director · ~78y · appointed 1994-06-17 · resigned 1996-11-21
Resigned
SIMOU, Panos→
director · ~70y · resigned 1994-07-10
Resigned

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

Recent filings (136 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-17
change-person-secretary-company-with-change-date
officers · CH03
2022-11-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-16
change-person-director-company-with-change-date
officers · CH01
2022-11-16
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-16
change-person-secretary-company-with-change-date
officers · CH03
2022-11-16
change-person-director-company-with-change-date
officers · CH01
2022-11-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-02