PM&M FINANCIAL PLANNING LTD

🌳Matureactive

03626554 · ltd · incorporated 1998-09-04

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

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 19.6y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

—

book net assets

Opportunity

74/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 19.6y

65/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 19.6 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

18 officers (4 active, 18 linked, 15 with DOB)

Ownership & PSC

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

Director network

7 connected companies via shared directors

Filing history

115 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

74/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

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	2025-03-31	2024-03-31
Average employees	20	1800

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

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (53 events)Click to expand

2025-12-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-29
➕
WHITTLE, Samantha Jay appointed
director
2025-04-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-12-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-27
📄
change-person-director-company-with-change-date
officers · CH01
2024-05-18
📄
capital-name-of-class-of-shares
capital · SH08
2024-05-18
📄
memorandum-articles
incorporation · MA
2024-05-18
📄
resolution
resolution · RESOLUTIONS
2024-03-26
📄
change-account-reference-date-company-current-shortened
accounts · AA01
2024-01-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-10-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-10-05
➖
PARRY, Jane resigned
director
2023-10-05
➖
WRIGHT, Nigel John resigned
director
2023-07-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-07-05
➕
MAYNARD, Tara appointed
director
2023-01-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-01-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-01-05
➖
GORTON, David John resigned
director
2022-01-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-30
📄
resolution
resolution · RESOLUTIONS
2021-07-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-07-12
➕
MCINTYRE, James Andrew appointed
director
2021-01-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-01-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-10-30
➕
WRIGHT, Nigel John appointed
director
2018-04-30
➖
BRIERLEY, Anthony Robert resigned
director
2016-04-30
➖
ANDERSON, Stephen Mark resigned
director
2015-05-22
➖
KEEN, Antony resigned
secretary
2015-04-27
➕
GORTON, David John appointed
director
2014-07-01
➕
KEEN, Antony appointed
director
2014-04-30
➖
AINSCOUGH, Richard Anthony resigned
director
2012-12-31
➖
TINKER, Anthony resigned
director
2012-03-01
➕
ANDERSON, Stephen Mark appointed
director
2012-03-01
➕
PARRY, Jane appointed
director
2012-03-01
➕
TINKER, Anthony appointed
director
2010-06-30
➖
BATTERSBY, Michael George resigned
director
2010-04-30
➖
CORNES, Roger Langford resigned
director
2009-06-11
➕
BATTERSBY, Michael George appointed
director
2009-04-24
➕
CORNES, Roger Langford appointed
director
2006-11-29
🔒
Charge registered #1
Lender: Hsbc Bank PLC
2004-09-30
➖
EATOUGH, Diane Louise resigned
director
2003-04-30
➖
GROGAN, Peter resigned
director
2001-07-20
➕
BRIERLEY, Anthony Robert appointed
director
1998-11-01
➕
GROGAN, Peter appointed
director
1998-09-04
🏢
Company incorporated
As PM&M FINANCIAL PLANNING LTD
1998-09-04
➕
KEEN, Antony appointed
secretary
1998-09-04
➕
FORM 10 SECRETARIES FD LTD appointed
corporate-nominee-secretary
1998-09-04
➖
FORM 10 SECRETARIES FD LTD resigned
corporate-nominee-secretary
1998-09-04
➕
AINSCOUGH, Richard Anthony appointed
director

Showing most recent 50 of 53 events

Owner dependency

40/100

Moderate — manageable with handover

Some 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.

Succession & seller-readiness

43/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondary12+ year tenure: Director in role 12 years.
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.)

Group structure

Pmm (Holdings) Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Pmm (Holdings) Ltd

Corporate parent · holds 75-100% shares

ultimate parent

⬇

PM&M FINANCIAL PLANNING LTD

This company · 03626554

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
Pmm (Holdings) Ltd Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	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 · BB postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
LEDASI→ 16595401 · est 2025 · no financials extracted	—	—	—	—	—	—	—
MEADE PROPERTY HOLDINGS LTD→ 16026791 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
MH FROST CAPITAL LTD→ 16926157 · est 2025 · no financials extracted	—	—	—	—	—	—	—
OP PROPERTIES & REPAIRS LTD→ 16175415 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
ORCA FINANCE AND LEASING LTD→ 15513761 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
PACIFIC FINANCIAL SERVICES (NORTH WEST) LTD→ 08302510 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
PALM FINANCIAL CARE LIMITED→ 06261386 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
PEAKS & VALLEYS INVESTMENTS LIMITED→ 13466248 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
PM INDEPENDENT FINANCIAL SERVICES LTD→ 05677262 · est 2006 · no financials extracted	—	—	—	—	20y	—	—
PM&M MORTGAGES LTD→ 11780952 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
POLYGON FINANCIAL LTD→ 05422562 · est 2005 · no financials extracted	—	—	—	—	21y	—	—
PRA INVESTMENTS LIMITED→ 13152762 · est 2021 · no financials extracted	—	—	—	—	5y	—	—

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

Incorporated1998-09-04

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

New Century House Greenbank Technology Park

Challenge Way

Blackburn

Lancashire

BB1 5QB

England

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-09-09

Last: 2025-08-26

Officers (4 active · 14 resigned)

KEEN, Antony→

director · ~54y · appointed 2014-07-01

View their other companies + combined net worth →

Active

MAYNARD, Tara→

director · ~41y · appointed 2023-07-05

View their other companies + combined net worth →

Active

MCINTYRE, James Andrew→

director · ~44y · appointed 2021-07-12

View their other companies + combined net worth →

Active

WHITTLE, Samantha Jay→

director · ~36y · appointed 2025-04-29

View their other companies + combined net worth →

Active

KEEN, Antony→

secretary · appointed 1998-09-04 · resigned 2015-05-22

Resigned

FORM 10 SECRETARIES FD LTD→

corporate-nominee-secretary · appointed 1998-09-04 · resigned 1998-09-04

Resigned

AINSCOUGH, Richard Anthony→

director · ~77y · appointed 1998-09-04 · resigned 2014-04-30

Resigned

ANDERSON, Stephen Mark→

director · ~63y · appointed 2012-03-01 · resigned 2016-04-30

Resigned

BATTERSBY, Michael George→

director · ~74y · appointed 2009-06-11 · resigned 2010-06-30

Resigned

BRIERLEY, Anthony Robert→

director · ~73y · appointed 2001-07-20 · resigned 2018-04-30

Resigned

CORNES, Roger Langford→

director · ~79y · appointed 2009-04-24 · resigned 2010-04-30

Resigned

EATOUGH, Diane Louise→

director · ~76y · appointed 1998-09-04 · resigned 2004-09-30

Resigned

GORTON, David John→

director · ~57y · appointed 2015-04-27 · resigned 2023-01-05

Resigned

GROGAN, Peter→

director · ~74y · appointed 1998-11-01 · resigned 2003-04-30

Resigned

PARRY, Jane→

director · ~59y · appointed 2012-03-01 · resigned 2023-10-05

Resigned

TINKER, Anthony→

director · ~75y · appointed 2012-03-01 · resigned 2012-12-31

Resigned

WRIGHT, Nigel John→

director · ~60y · appointed 2019-10-30 · resigned 2023-10-05

Resigned

FORM 10 DIRECTORS FD LTD→

corporate-nominee-director · appointed 1998-09-04 · resigned 1998-09-04

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	HSBC Hsbc Bank PLC	Debenture	1 property	29/11/2006	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (115 total)

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-12-18

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-09-02

appoint-person-director-company-with-name-date

officers · AP01

2025-04-29

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-12-19

change-person-director-company-with-change-date

officers · CH01

2024-09-27

confirmation-statement-with-updates

confirmation-statement · CS01

2024-09-03

capital-name-of-class-of-shares

capital · SH08

2024-05-18

memorandum-articles

incorporation · MA

2024-05-18

resolution

resolution · RESOLUTIONS

2024-05-18

change-account-reference-date-company-current-shortened

accounts · AA01

2024-03-26

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-01-26

termination-director-company-with-name-termination-date

officers · TM01

2023-10-10

termination-director-company-with-name-termination-date

officers · TM01

2023-10-10

confirmation-statement-with-updates

confirmation-statement · CS01

2023-09-04

appoint-person-director-company-with-name-date

officers · AP01

2023-07-06