ASTUS FINANCIAL PLANNING LTD

🌳Matureactive
04270074 · ltd · incorporated 2001-08-14
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
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
—
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
ALSO REGISTERED FOR
  • 65110Life insurance
  • 65300Pension funding
Investor take
Pursue
Active trading company with a 63-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 63). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (76/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 3 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
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
65 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Aug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-08-312024-08-31
Average employees200200

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

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2026-04-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-03-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-11-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-01-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-02-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2022-01-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2020-12-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-10-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2018-12-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2017-10-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2016-11-07
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  12. 2016-08-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2016-08-26
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2016-08-26
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  15. 2015-12-16
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2001-08-14
    🏢
    Company incorporated
    As ASTUS FINANCIAL PLANNING LTD
  17. 2001-08-14
    ➕
    O'NEILL, Deborah appointed
    secretary
  18. 2001-08-14
    ➕
    BAGUST, Jonathan Scott appointed
    director
  19. 2001-08-14
    ➕
    SELLERS, Alison appointed
    director

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.

Succession & seller-readiness

86/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 25 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 Jonathan Bagust
Individual · British · DOB 03/1963 · age 63
50–75%
—50-75% shares01/08/2016
Miss Alison Sellers
Individual · British · DOB 10/1965 · age 61
25–50%
—25-50% shares01/08/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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 →
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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
Incorporated2001-08-14
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

27 London End
Beaconsfield
HP9 2HN
England

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-08-20
Last: 2025-08-06

Officers (3 active · 0 resigned)

O'NEILL, Deborah→
secretary · appointed 2001-08-14
View their other companies + combined net worth →
Active
BAGUST, Jonathan Scott→
director · ~63y · appointed 2001-08-14
View their other companies + combined net worth →
Active
SELLERS, Alison→
director · ~61y · appointed 2001-08-14
View their other companies + combined net worth →
Active

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

Recent filings (65 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-07
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-06
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-10
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-02-14
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-18
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-15
accounts-with-accounts-type-micro-entity
accounts · AA
2019-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-13