CITY FINANCIAL PLANNING (EXETER) LIMITED

🌳Matureactive

03606716 · ltd · incorporated 1998-07-30

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

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Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Other activities auxiliary to financial services, except insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Active 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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 21.1y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 21.1 years old — likely at or near maturity.
· 3 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

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

21 officers (5 active, 21 linked, 14 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

12 connected companies via shared directors

Filing history

123 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (64 events)Click to expand

2026-01-11
📄
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
2025-09-19
➕
VALENTINE, Iain Alexander appointed
director
2025-09-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-11-12
📄
change-account-reference-date-company-current-extended
accounts · AA01
2024-10-27
📄
memorandum-articles
incorporation · MA
2024-10-27
📄
resolution
resolution · RESOLUTIONS
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
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-10-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-10-16
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-10-15
➕
PEARSON, Mark Robert appointed
director
2024-10-15
➕
WEBSTER, Craig appointed
director
2024-10-15
➖
RWK COMPANY SERVICES LIMITED resigned
corporate-secretary
2024-10-15
➖
BINSTEAD, Frederick Michael resigned
director
2024-10-15
➖
BISHOP, Sandra resigned
director
2024-10-15
➖
HARRISON, Kypros resigned
director
2024-10-15
➖
PIMM, Gary Leslie John resigned
director
2024-10-15
➖
WILLIAMS, Louisa Emily resigned
director
2024-10-14
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-14
🔓
Charge satisfied #3
2024-08-07
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-01
🔒
Charge registered #3
Lender: Hsbc UK Bank PLC
2021-07-23
➕
WILLIAMS, Louisa Emily appointed
director
2021-06-21
🔓
Charge satisfied #2
2020-12-04
➖
JONES, Lindsey Jacqueline resigned
director
2020-07-23
➕
RWK COMPANY SERVICES LIMITED appointed
corporate-secretary
2019-09-20
➕
BISHOP, Sandra appointed
director
2019-08-12
➖
BINSTEAD, Frederick Michael resigned
secretary
2019-06-10
➕
JONES, Lindsey Jacqueline appointed
director
2018-04-30
➖
WITHY KING COMPANY SERVICES LIMITED resigned
corporate-secretary
2013-02-08
🔓
Charge satisfied #1
2012-09-21
➖
GRIFFIN, Alan John resigned
director
2012-09-03
🔒
Charge registered #2
Lender: Hsbc Bank PLC
2012-08-03
➕
WITHY KING COMPANY SERVICES LIMITED appointed
corporate-secretary
2012-04-23
➕
SWIGGS, Clive appointed
director
2007-10-15
➕
BINSTEAD, Frederick Michael appointed
secretary
2007-10-15
➖
QUIRKE, Timothy Patrick resigned
secretary
2005-06-23
🔒
Charge registered #1
Lender: National Westminster Bank PLC
2004-01-30
➕
GRIFFIN, Alan John appointed
director
2003-11-12
➕
QUIRKE, Timothy Patrick appointed
director
2003-11-12
➖
LEWIS, Christine Frances resigned
secretary

Showing most recent 50 of 64 events

Owner dependency

58/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 23 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 signal

Multiple 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 23 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

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Group structure

City Financial Planning Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

City Financial Planning Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

CITY FINANCIAL PLANNING (EXETER) LIMITED

This company · 03606716

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
City Financial Planning Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	06/04/2016

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 →

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	—	—	—	—	—	—	—
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	—	—
CHURCH-FORD MORTGAGES LTD→ 13197235 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
CLARKS PENSION TRUSTEE (2005) LIMITED→ 05210641 · est 2004 · no financials extracted	—	—	—	—	21y	—	—
COOCH MORTGAGES LTD→ 13237207 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
COPPICE HILL LIMITED→ 15398598 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
COTTERELL & COTTERELL COMMERCIAL FINANCE LIMITED→ 12882860 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
COUNTERPOINT PARTNERS LIMITED→ 03738666 · est 1999 · no financials extracted	—	—	—	—	27y	—	—
CREDIT CORP FINANCIAL SERVICES (UK) LIMITED→ 10480946 · est 2016 · no financials extracted	—	—	—	—	9y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated1998-07-30

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