HANSFORD BELL FINANCIAL PLANNING LTD

🌳Matureactive
04526543 · ltd · incorporated 2002-09-04
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 15.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£75.4k
book net assets
Opportunity
74/100
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
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 15.3y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 15.3 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

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
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
11 officers (5 active, 11 linked, 8 with DOB)
85
Ownership & PSC
1 active PSC(s) of 7 total, 7 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
114 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £75,445

Key financials

2 years extracted from filed iXBRL accounts
Cash
£52k
Net Worth
£75k
Current Assets
£171k
Current Liabilities
—
£0£34k£68k£103k£137k£171kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£78.3k—
Current assets£171.1k—
Cash£52.2k—
Debtors£118.9k—
Net assets£75.4k—
Average employees—1300

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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (42 events)Click to expand
  1. 2026-01-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  2. 2025-12-16
    ➖
    GRICE, Gemma Michelle resigned
    director
  3. 2025-05-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2025-04-30
    📄
    resolution
    resolution · RESOLUTIONS
  5. 2025-04-24
    📄
    memorandum-articles
    incorporation · MA
  6. 2025-04-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2025-03-31
    🔒
    Charge registered #3
    Lender: Vertus Capital SPV1 Limited
  8. 2025-03-17
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  9. 2025-03-12
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  10. 2024-09-05
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2024-09-05
    🔓
    Charge satisfied #1
  12. 2024-05-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2023-12-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2022-08-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-10-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2021-03-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  17. 2021-03-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  18. 2021-03-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  19. 2021-03-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  20. 2021-03-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  21. 2021-03-04
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  22. 2021-02-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  23. 2021-02-26
    🔓
    Charge satisfied #2
  24. 2021-01-29
    ➕
    ADAMS, Rebecca Katriona appointed
    director
  25. 2021-01-29
    ➕
    BIDDISS, Ross Christopher appointed
    director
  26. 2021-01-29
    ➕
    JONES, Emma Haydn appointed
    director
  27. 2021-01-29
    ➕
    PALMER, Janine appointed
    director
  28. 2021-01-29
    ➖
    MARKER, Nicola Jane resigned
    secretary
  29. 2021-01-29
    ➕
    GRICE, Gemma Michelle appointed
    director
  30. 2021-01-29
    ➖
    MARKER, Nicola Jane resigned
    director
  31. 2021-01-29
    ➖
    MARKER, Stephen Michael resigned
    director
  32. 2016-05-27
    ➕
    PALMER, Christopher Andrew appointed
    director
  33. 2015-03-31
    🔒
    Charge registered #2
    Lender: Hsbc Bank PLC
  34. 2011-03-16
    🔒
    Charge registered #1
    Lender: Hsbc Bank PLC
  35. 2002-09-04
    🏢
    Company incorporated
    As HANSFORD BELL FINANCIAL PLANNING LTD
  36. 2002-09-04
    ➕
    MARKER, Nicola Jane appointed
    secretary
  37. 2002-09-04
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  38. 2002-09-04
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary
  39. 2002-09-04
    ➕
    MARKER, Nicola Jane appointed
    director
  40. 2002-09-04
    ➕
    MARKER, Stephen Michael appointed
    director
  41. 2002-09-04
    ➕
    INSTANT COMPANIES LIMITED appointed
    corporate-nominee-director
  42. 2002-09-04
    ➖
    INSTANT COMPANIES LIMITED resigned
    corporate-nominee-director

Owner dependency

48/100
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.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

45/100
Moderate signal

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

SIGNALS
  • secondaryStable-but-static management: Company is 24 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.)

Group structure

Hansford Bell Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Hansford Bell Holdings Ltd
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
HANSFORD BELL FINANCIAL PLANNING LTD
This company · 04526543

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%
NameSharesVoting rightsNature of controlNotified
Hansford Bell Holdings Ltd
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control · trust interest · firm interest12/03/2025
6 historic (ceased) PSCs
  • Mrs Nicola Jane Markerceased 29/01/2021· 25-50% shares
  • Mr Stephen Michael Markerceased 29/01/2021· 25-50% shares
  • Mr Christopher Andrew Palmerceased 29/01/2021· 25-50% shares
  • C J P Financial Associates Ltdceased 10/03/2025· 75-100% shares · 75-100% voting · board control
  • Mr Stephen Michael Markerceased 29/01/2021· 25-50% shares · 25-50% voting
  • Mrs Nicola Jane Markerceased 29/01/2021· 25-50% shares · 25-50% voting

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 →

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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 →
🔒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
Incorporated2002-09-04
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Culver House
13 West Street
Tavistock
Devon
PL19 8AN

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-24
Last: 2026-03-10

Officers (5 active · 6 resigned)

ADAMS, Rebecca Katriona→
director · ~35y · appointed 2021-01-29
View their other companies + combined net worth →
Active
BIDDISS, Ross Christopher→
director · ~34y · appointed 2021-01-29
View their other companies + combined net worth →
Active
JONES, Emma Haydn→
director · ~35y · appointed 2021-01-29
View their other companies + combined net worth →
Active
PALMER, Christopher Andrew→
director · ~45y · appointed 2016-05-27
View their other companies + combined net worth →
Active
PALMER, Janine→
director · ~45y · appointed 2021-01-29
View their other companies + combined net worth →
Active
MARKER, Nicola Jane→
secretary · appointed 2002-09-04 · resigned 2021-01-29
Resigned
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 2002-09-04 · resigned 2002-09-04
Resigned
GRICE, Gemma Michelle→
director · ~43y · appointed 2021-01-29 · resigned 2025-12-16
Resigned
MARKER, Nicola Jane→
director · ~62y · appointed 2002-09-04 · resigned 2021-01-29
Resigned
MARKER, Stephen Michael→
director · ~66y · appointed 2002-09-04 · resigned 2021-01-29
Resigned
INSTANT COMPANIES LIMITED→
corporate-nominee-director · appointed 2002-09-04 · resigned 2002-09-04
Resigned

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

Mortgages & charges

3
Total charges
1
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Vertus Capital SPV1
Vertus Capital SPV1 Limited
A registered charge1 property31/03/2025—
satisfied
HSBC
Hsbc Bank PLC
A registered charge1 property31/03/201526/02/2021
satisfied
HSBC
Hsbc Bank PLC
Debenture1 property16/03/201105/09/2024
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (114 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-20
termination-director-company-with-name-termination-date
officers · TM01
2026-01-08
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-05-29
resolution
resolution · RESOLUTIONS
2025-04-30
memorandum-articles
incorporation · MA
2025-04-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-01
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-03-17
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-12
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-19
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-08
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-05
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-05