ATOMOS FINANCIAL PLANNING LIMITED
🌳Matureactive
03879955 · ltd · incorporated 1999-11-19
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 25.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
- 66190Other activities auxiliary to financial services, except insurance and pension funding
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 71/100 (strong), bankability 85/100. Strong seller-intent signal (65/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: 1 insolvency-related filing on record. Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 25.6y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 25.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 20/100 — clean.
Data confidence
Overall: medium (61/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
34 officers (4 active, 34 linked, 29 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
18 connected companies via shared directors
90
Filing history
184 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
59
Some moderate concerns — review 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 (92 events)Click to expand
- 2025-09-19📄accounts-with-accounts-type-fullaccounts · AA
- 2025-03-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-03-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-14➕PAREKH, Niral appointeddirector
- 2025-03-14➖KRAFT, Christopher resigneddirector
- 2024-10-02📄accounts-with-accounts-type-fullaccounts · AA
- 2024-09-24📄second-filing-of-director-appointment-with-nameofficers · RP04AP01
- 2024-02-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-02-06➖SILK, Elliott John resigneddirector
- 2024-01-28📄resolutionresolution · RESOLUTIONS
- 2023-12-19📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2023-12-19📄legacycapital · SH20
- 2023-12-19⚠️legacyinsolvency · CAP-SS
- 2023-12-19📄resolutionresolution · RESOLUTIONS
- 2023-12-19📄capital-allotment-sharescapital · SH01
- 2023-08-08📄accounts-with-accounts-type-fullaccounts · AA
- 2023-04-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-04-26➕TAYLOR, Jonathan Paul appointeddirector
- 2023-04-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-03-30📄change-to-a-person-with-significant-control-without-name-datepersons-with-significant-control · PSC05
- 2023-03-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-12-13➕KRAFT, Christopher appointeddirector
- 2022-12-13➕SILK, Elliott John appointeddirector
- 2022-12-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-12-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-12-05📄change-person-director-company-with-change-dateofficers · CH01
- 2022-09-21✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2022-05-06➖MASON, David John resigneddirector
- 2021-07-27➖WHITE, John David resigneddirector
- 2020-11-06➕FRASER, Nicola Jane appointeddirector
- 2020-06-11➖FRASER, Nicola Jane resigneddirector
- 2020-05-05➕FRASER, Nicola Jane appointeddirector
- 2019-10-02➖GIBSON, Jeremy Paul resignedsecretary
- 2019-10-02➖GIBSON, Jeremy Paul resigneddirector
- 2019-03-08➖MORLEY, Alex James Ford resigneddirector
- 2018-07-10➕MASON, David John appointeddirector
- 2018-06-11🔓Charge satisfied #3
- 2018-06-11🔓Charge satisfied #1
- 2017-03-31➕GIBSON, Jeremy Paul appointedsecretary
- 2017-03-31➖HAINES, Stephen Paul resignedsecretary
- 2017-03-31➖HAINES, Stephen Paul resigneddirector
- 2016-12-21➕WHITE, John David appointeddirector
- 2016-10-12➖TAGLIABUE, Alfio resigneddirector
- 2016-07-01➕HAINES, Stephen Paul appointedsecretary
- 2016-06-16➖SAMUELS, James Anthony Angus resigneddirector
- 2016-06-14➖BRADSHAW, Paul Richard resigneddirector
- 2016-05-09➕HAINES, Stephen Paul appointeddirector
- 2016-05-09➕TAGLIABUE, Alfio appointeddirector
- 2016-02-15➕POLIN, Jonathan Charles appointeddirector
- 2016-01-20➖VAN DER WALT, Lukas resigneddirector
Showing most recent 50 of 92 events
Owner dependency
55/100
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.
- +Founder age: Director aged approximately 67 — succession pressure is live.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 high · 1 med ·1 insolvency-related filing on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2023-12-19: legacy
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
Atomos Financial Planning Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Atomos Financial Planning Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
ATOMOS FINANCIAL PLANNING LIMITED
This company · 03879955
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 |
|---|---|---|---|---|
Atomos Financial Planning Holdings 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 · SE postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BRIGHTSTONE PARTNERS LIMITED→ 12040218 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BTCDANA GLOBAL TRADING LTD→ 15924251 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CABRERA CONSULTING LTD→ 07713688 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CAICAI LIMITED→ 15156688 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CALVIN ROBERTS ENTERPRISE LTD→ 09941861 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| CAMOVA LIMITED→ 11323256 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CANTILEVER RISK ADVISORY LIMITED→ 16827328 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CAPACITY PLACE LIMITED→ 12355743 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CAPITAL LEGACY LIMITED→ 08494633 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| CAPITAL MATTERS LTD→ 12605362 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CAPITAL PRIVATE OFFICE LTD→ 16730077 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CAPSTONE FINANCIAL SOLUTIONS LTD→ 16472371 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated1999-11-19
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
2nd Floor 5 Hatfields (Alto)
London
SE1 9PG
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-03
Last: 2025-11-19
Officers (4 active · 30 resigned)
FRASER, Nicola Jane→
Activedirector · ~54y · appointed 2020-11-06
View their other companies + combined net worth →
PAREKH, Niral→
Activedirector · ~43y · appointed 2025-03-14
View their other companies + combined net worth →
POLIN, Jonathan Charles→
Activedirector · ~67y · appointed 2016-02-15
View their other companies + combined net worth →
TAYLOR, Jonathan Paul→
Activedirector · ~60y · appointed 2023-04-26
View their other companies + combined net worth →
DYER, Clare Louise→
Resignedsecretary · appointed 2008-06-04 · resigned 2011-08-16
GIBSON, Jeremy Paul→
Resignedsecretary · appointed 2017-03-31 · resigned 2019-10-02
HAINES, Stephen Paul→
Resignedsecretary · appointed 2016-07-01 · resigned 2017-03-31
HONAN, Richard→
Resignedsecretary · appointed 1999-11-19 · resigned 2001-01-26
POWELL, Michael John→
Resignedsecretary · appointed 2001-01-26 · resigned 2008-06-04
BEDDARD, John Martin→
Resigneddirector · ~64y · appointed 1999-11-19 · resigned 2001-10-26
BRADSHAW, Paul Richard→
Resigneddirector · ~76y · appointed 2012-10-18 · resigned 2016-06-14
BRIESIES, Reece→
Resigneddirector · ~43y · appointed 2013-11-07 · resigned 2016-01-12
DABORN, Steven→
Resigneddirector · ~61y · appointed 1999-11-19 · resigned 2006-08-23
DYER, Clare Louise→
Resigneddirector · ~61y · appointed 2008-06-03 · resigned 2011-12-19
FRASER, Nicola Jane→
Resigneddirector · ~54y · appointed 2020-05-05 · resigned 2020-06-11
GIBSON, Jeremy Paul→
Resigneddirector · ~53y · appointed 2013-02-28 · resigned 2019-10-02
HAINES, Stephen Paul→
Resigneddirector · ~62y · appointed 2016-05-09 · resigned 2017-03-31
HONAN, Richard→
Resigneddirector · ~72y · appointed 2000-10-26 · resigned 2001-10-26
KERIN, Christopher→
Resigneddirector · ~79y · appointed 2003-08-01 · resigned 2011-04-28
KRAFT, Christopher→
Resigneddirector · ~46y · appointed 2022-12-13 · resigned 2025-03-14
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Assignment by trail & renewal income | 1 property | 19/05/2004 | 11/06/2018 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Debenture | 1 property | 04/05/2004 | 14/06/2005 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage debenture | 1 property | 06/12/2000 | 11/06/2018 |
Recent filings (184 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-28
accounts-with-accounts-type-full
accounts · AA
2025-09-19
appoint-person-director-company-with-name-date
officers · AP01
2025-03-21
termination-director-company-with-name-termination-date
officers · TM01
2025-03-21
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-19
accounts-with-accounts-type-full
accounts · AA
2024-10-02
second-filing-of-director-appointment-with-name
officers · RP04AP01
2024-09-24
termination-director-company-with-name-termination-date
officers · TM01
2024-02-29
resolution
resolution · RESOLUTIONS
2024-01-28
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2023-12-19
legacy
capital · SH20
2023-12-19
legacy
insolvency · CAP-SS
2023-12-19
resolution
resolution · RESOLUTIONS
2023-12-19
capital-allotment-shares
capital · SH01
2023-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-21