ARK FINANCIAL PLANNING LIMITED

🌳Matureactive
04975240 · ltd · incorporated 2003-11-25
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 22.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£74.7k
book net assets
Opportunity
82/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle. Family succession underway — not a classic acquisition target.

Opportunity 82/100 (exceptional), bankability 85/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 22.5y

85/100
ready

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

  • · Oldest live charge is 22.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (77/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
10 officers (4 active, 10 linked, 6 with DOB)
82
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
81 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
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
80
Strong succession / seller-readiness signals.
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 £74,706
Cash YoY
+315%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£67k
↑ 315% YoY
Net Worth
£75k
↑ 118% YoY
Current Assets
£149k
↑ 115% YoY
Current Liabilities
—
£0£30k£60k£90k£119k£149kMar 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£76.8k£36.8k
Current assets£149.3k£69.5k
Cash£66.7k£16.1k
Debtors£55.2k£27.4k
Net assets£74.7k£34.3k

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

🔒Filing-note intelligence

1 signal 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
1
filing
  • • 1 officers
Last 180 days
1
filing
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
  1. 2026-05-05
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  2. 2026-05-01
    ➖
    PERRY, Philip Gerrard resigned
    director
  3. 2025-09-02
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  4. 2025-08-29
    ➕
    BOOTH, Bradley James appointed
    director
  5. 2025-08-29
    ➕
    STEVENSON, Rebecca appointed
    director
  6. 2025-08-29
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2025-08-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2024-06-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2023-08-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-05-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-12-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  12. 2021-12-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2021-05-20
    📄
    resolution
    resolution · RESOLUTIONS
  14. 2021-05-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2020-05-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2020-04-22
    📄
    resolution
    resolution · RESOLUTIONS
  17. 2020-04-20
    📄
    capital-alter-shares-subdivision
    capital · SH02
  18. 2020-04-17
    📄
    capital-name-of-class-of-shares
    capital · SH08
  19. 2019-04-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2018-11-26
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  21. 2018-08-14
    ➖
    GOUGH, Caroline resigned
    director
  22. 2018-08-14
    ➖
    STEVENSON, Louise Helen resigned
    director
  23. 2017-11-30
    ➕
    GOUGH, Caroline appointed
    director
  24. 2017-11-30
    ➕
    STEVENSON, Louise Helen appointed
    director
  25. 2016-09-13
    🔓
    Charge satisfied #1
  26. 2016-01-11
    ➕
    STEVENSON, Louise Helen appointed
    secretary
  27. 2016-01-11
    ➖
    STEVENSON, Philip Damian resigned
    secretary
  28. 2003-12-05
    🔒
    Charge registered #1
    Lender: National Westminster Bank PLC
  29. 2003-12-02
    ➕
    STEVENSON, Philip Damian appointed
    director
  30. 2003-12-02
    ➕
    STEVENSON, Philip Damian appointed
    secretary
  31. 2003-12-02
    ➖
    @UKPLC CLIENT SECRETARY LTD resigned
    corporate-nominee-secretary
  32. 2003-12-02
    ➕
    PERRY, Philip Gerrard appointed
    director
  33. 2003-12-02
    ➖
    @UKPLC CLIENT DIRECTOR LTD resigned
    corporate-nominee-director
  34. 2003-11-25
    🏢
    Company incorporated
    As ARK FINANCIAL PLANNING LIMITED
  35. 2003-11-25
    ➕
    @UKPLC CLIENT SECRETARY LTD appointed
    corporate-nominee-secretary
  36. 2003-11-25
    ➕
    @UKPLC CLIENT DIRECTOR LTD appointed
    corporate-nominee-director

Owner dependency

83/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 66 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

30/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — STEVENSON, Rebecca (same surname) appointed 2025-08-29. Pattern consistent with intra-family handover.
  • primaryFounder aged 63+: Senior director is approximately 66. 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

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 Phillip Gerrard Perry
Individual · British · DOB 07/1962 · age 64
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Philip Damian Stevenson
Individual · British · DOB 05/1960 · age 66
——sig. influencesignificant influence06/04/2016
1 historic (ceased) PSC
  • Mrs Louise Helen Stevensonceased 30/06/2020· 25-50% shares · 25-50% voting

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

7 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
Incorporated2003-11-25
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Unit 3 Block A Delph New Road
Delph
Oldham
OL3 5DE
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-09
Last: 2025-11-25

Officers (4 active · 6 resigned)

STEVENSON, Louise Helen→
secretary · appointed 2016-01-11
View their other companies + combined net worth →
Active
BOOTH, Bradley James→
director · ~33y · appointed 2025-08-29
View their other companies + combined net worth →
Active
STEVENSON, Philip Damian→
director · ~66y · appointed 2003-12-02
View their other companies + combined net worth →
Active
STEVENSON, Rebecca→
director · ~32y · appointed 2025-08-29
View their other companies + combined net worth →
Active
STEVENSON, Philip Damian→
secretary · appointed 2003-12-02 · resigned 2016-01-11
Resigned
@UKPLC CLIENT SECRETARY LTD→
corporate-nominee-secretary · appointed 2003-11-25 · resigned 2003-12-02
Resigned
GOUGH, Caroline→
director · ~55y · appointed 2017-11-30 · resigned 2018-08-14
Resigned
PERRY, Philip Gerrard→
director · ~64y · appointed 2003-12-02 · resigned 2026-05-01
Resigned
STEVENSON, Louise Helen→
director · ~64y · appointed 2017-11-30 · resigned 2018-08-14
Resigned
@UKPLC CLIENT DIRECTOR LTD→
corporate-nominee-director · appointed 2003-11-25 · resigned 2003-12-02
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
National Westminster Bank
National Westminster Bank PLC
Debenture1 property05/12/200313/09/2016

Recent filings (81 total)

termination-director-company-with-name-termination-date
officers · TM01
2026-05-05
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-25
appoint-person-director-company-with-name-date
officers · AP01
2025-09-02
appoint-person-director-company-with-name-date
officers · AP01
2025-08-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-18
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-09
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2021-12-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-12-09
resolution
resolution · RESOLUTIONS
2021-05-20