CITY FINANCIAL PLANNING LIMITED
🌳Matureactive
03224580 · ltd · incorporated 1996-07-15
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
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueActive trading company with a 64-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (60/100, director aged 64). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
5 live charges · 5 lenders · oldest 26.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 26.2 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 38/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (60/100)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
No iXBRL financials extracted
0
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
19 officers (4 active, 19 linked, 15 with DOB)
86
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
147 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
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 (68 events)Click to expand
- 2026-01-11📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2026-01-11📄legacyaccounts · PARENT_ACC
- 2026-01-11📄legacyother · GUARANTEE2
- 2026-01-11📄legacyother · AGREEMENT2
- 2025-09-19➕VALENTINE, Iain Alexander appointeddirector
- 2025-09-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-12📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2024-10-27📄memorandum-articlesincorporation · MA
- 2024-10-27📄resolutionresolution · RESOLUTIONS
- 2024-10-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-16📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-10-16📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-10-16📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-10-15➕PEARSON, Mark Robert appointeddirector
- 2024-10-15➕WEBSTER, Craig appointeddirector
- 2024-10-15➖RWK COMPANY SERVICES LIMITED resignedcorporate-secretary
- 2024-10-15➖BINSTEAD, Frederick Michael resigneddirector
- 2024-10-15➖BISHOP, Sandra resigneddirector
- 2024-10-15➖HARRISON, Kypros resigneddirector
- 2024-10-15➖PIMM, Gary Leslie John resigneddirector
- 2024-10-15➖SWIGGS, Clive resigneddirector
- 2024-10-15➖WILLIAMS, Louisa Emily resigneddirector
- 2024-10-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-14🔓Charge satisfied #5
- 2024-09-17📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2024-09-17📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2024-09-17📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2021-09-01🔒Charge registered #5Lender: Hsbc UK Bank PLC
- 2021-07-23➕WILLIAMS, Louisa Emily appointeddirector
- 2021-06-21🔓Charge satisfied #4
- 2020-12-04➖JONES, Lindsey Jacqueline resigneddirector
- 2020-07-23➕RWK COMPANY SERVICES LIMITED appointedcorporate-secretary
- 2019-09-20➕BISHOP, Sandra appointeddirector
- 2019-06-10➕JONES, Lindsey Jacqueline appointeddirector
- 2018-04-30➖WITHY KING COMPANY SERVICES LIMITED resignedcorporate-secretary
- 2013-02-08🔓Charge satisfied #3
- 2012-09-21➖GRIFFIN, Alan John resigneddirector
- 2012-09-06🔒Charge registered #4Lender: Hsbc Bank PLC
- 2012-08-03➕WITHY KING COMPANY SERVICES LIMITED appointedcorporate-secretary
- 2012-04-23➕SWIGGS, Clive appointeddirector
- 2009-07-01➖BINSTEAD, Frederick Michael resignedsecretary
- 2006-11-17🔓Charge satisfied #2
- 2006-07-18🔓Charge satisfied #1
Showing most recent 50 of 68 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
70/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Advanta Solutions Ltd. is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Advanta Solutions Ltd.
Corporate parent · holds 75-100% shares · board control
⬇
CITY FINANCIAL PLANNING LIMITED
This company · 03224580
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Advanta Solutions Ltd. Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 15/10/2024 |
2 historic (ceased) PSCs
- Mr Gary Leslie John Pimmceased 15/10/2024· significant influence
- Gary Leslie John Pimmceased 06/04/2016· 25-50% shares
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 · Financial services · BA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BRICKS AND MORTAR LENDING LIMITED→ 11139714 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BRIGHTWILD VENTURES LTD→ 16727294 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BUGS INVESTMENT LIMITED→ 14041409 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| C3I INVESTMENTS LTD→ 13792818 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CAMEL TRADING COMPANY LIMITED(THE)→ 01622538 · est 1982 · no financials extracted | — | — | — | — | 44y | — | — |
| CHALICE FINANCIAL PLANNING LIMITED→ 15129181 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CHELVERTON ASSET MANAGEMENT LIMITED→ 03429348 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| CHURCH-FORD MORTGAGES LTD→ 13197235 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CITY FINANCIAL PLANNING (EXETER) LIMITED→ 03606716 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| CLARKS PENSION TRUSTEE (2005) LIMITED→ 05210641 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| CLEMWORTH LTD→ 16537458 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CLOVER CAPITAL PARTNERS LIMITED→ 16460480 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated1996-07-15
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
3 Princes Buildings
Bath
BA1 2ED
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-26
Last: 2025-09-12
Officers (4 active · 15 resigned)
PEARSON, Mark Robert→
Activedirector · ~60y · appointed 2024-10-15
View their other companies + combined net worth →
QUIRKE, Timothy Patrick→
Activedirector · ~64y · appointed 2001-12-05
View their other companies + combined net worth →
VALENTINE, Iain Alexander→
Activedirector · ~64y · appointed 2025-09-19
View their other companies + combined net worth →
WEBSTER, Craig→
Activedirector · ~55y · appointed 2024-10-15
View their other companies + combined net worth →
BINSTEAD, Frederick Michael→
Resignedsecretary · appointed 2004-11-24 · resigned 2009-07-01
TADHUNTER, Keith David→
Resignedsecretary · appointed 1996-07-15 · resigned 2004-11-24
RWK COMPANY SERVICES LIMITED→
Resignedcorporate-secretary · appointed 2020-07-23 · resigned 2024-10-15
WITHY KING COMPANY SERVICES LIMITED→
Resignedcorporate-secretary · appointed 2012-08-03 · resigned 2018-04-30
BINSTEAD, Frederick Michael→
Resigneddirector · ~73y · appointed 2000-01-11 · resigned 2024-10-15
BISHOP, Sandra→
Resigneddirector · ~60y · appointed 2019-09-20 · resigned 2024-10-15
CHILCOTT, Darren→
Resigneddirector · ~66y · appointed 2000-01-11 · resigned 2003-05-31
EDWARDS, Clive→
Resigneddirector · ~57y · appointed 1996-07-15 · resigned 1999-12-01
GRIFFIN, Alan John→
Resigneddirector · ~73y · appointed 2004-01-30 · resigned 2012-09-21
HARRISON, Kypros→
Resigneddirector · ~57y · appointed 2000-01-11 · resigned 2024-10-15
JONES, Lindsey Jacqueline→
Resigneddirector · ~64y · appointed 2019-06-10 · resigned 2020-12-04
PIMM, Gary Leslie John→
Resigneddirector · ~62y · appointed 1999-12-01 · resigned 2024-10-15
SWIGGS, Clive→
Resigneddirector · ~60y · appointed 2012-04-23 · resigned 2024-10-15
TADHUNTER, Keith David→
Resigneddirector · ~56y · appointed 1996-07-15 · resigned 2004-11-24
WILLIAMS, Louisa Emily→
Resigneddirector · ~54y · appointed 2021-07-23 · resigned 2024-10-15
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 01/09/2021 | 14/10/2024 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 06/09/2012 | 21/06/2021 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 23/06/2005 | 08/02/2013 | |
| satisfied | Virgin Money Yorkshire Bank | Debenture | 1 property | 24/05/2004 | 17/11/2006 | |
| satisfied | Peter David Clayton | Deed of charge | 1 property | 25/05/2000 | 18/07/2006 |
Recent filings (147 total)
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2026-01-11
legacy
accounts · PARENT_ACC
2026-01-11
legacy
other · GUARANTEE2
2026-01-11
legacy
other · AGREEMENT2
2026-01-11
appoint-person-director-company-with-name-date
officers · AP01
2025-09-19
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-19
change-account-reference-date-company-current-extended
accounts · AA01
2024-11-12
memorandum-articles
incorporation · MA
2024-10-27
resolution
resolution · RESOLUTIONS
2024-10-27
termination-director-company-with-name-termination-date
officers · TM01
2024-10-16
termination-director-company-with-name-termination-date
officers · TM01
2024-10-16
termination-director-company-with-name-termination-date
officers · TM01
2024-10-16
termination-director-company-with-name-termination-date
officers · TM01
2024-10-16
termination-director-company-with-name-termination-date
officers · TM01
2024-10-16
termination-director-company-with-name-termination-date
officers · TM01
2024-10-16