ALLISONS FINANCIAL PLANNING LIMITED
💤Zombieactive
05210702 · ltd · incorporated 2004-08-20
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£1.05M
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 77/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 11.8y
30/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 11.8 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
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, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (1 active, 4 linked, 1 with DOB)
75
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
59 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
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 declaredPositive net assets
Net assets £1,047,597
Cash YoY
+50%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£229k
↑ 50% YoY
Net Worth
£1.0m
↑ 26% YoY
Current Assets
£1.2m
↑ 20% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £1.06M | £850.8k |
| Current assets | £1.17M | £975.5k |
| Cash | £228.8k | £152.4k |
| Debtors | £943.5k | £823.1k |
| Net assets | £1.05M | £831.3k |
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2025-07-02📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-09-04📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-04-27📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2024-04-27📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2023-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-03-27🔒Charge registered #2Lender: Barclays Security Trustee Limited
- 2022-09-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-22📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2017-09-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-01-01➖FOSTER, Paul Andrew resignedsecretary
- 2016-09-26📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-09-29📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-07-17🔒Charge registered #1Lender: Barclays Bank PLC
- 2004-08-20🏢Company incorporatedAs ALLISONS FINANCIAL PLANNING LIMITED
- 2004-08-20➕BAGLOW, Alison appointeddirector
- 2004-08-20➕FOSTER, Paul Andrew appointedsecretary
- 2004-08-20➕HCS SECRETARIAL LIMITED appointedcorporate-nominee-secretary
- 2004-08-20➖HCS SECRETARIAL LIMITED resignedcorporate-nominee-secretary
- 2004-08-20➕HANOVER DIRECTORS LIMITED appointedcorporate-nominee-director
- 2004-08-20➖HANOVER DIRECTORS LIMITED resignedcorporate-nominee-director
Owner dependency
85/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
75/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 22 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Alison Baglow Individual · British · DOB 11/1977 · age 49 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/07/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| A & M WEALTH MANAGEMENT LIMITED→ 05024320 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| ACO DEVELOPMENTS LTD→ 14770069 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ALCHEMY CAPITAL GROUP LIMITED→ 16301030 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ALDERSGATE FUNDING LIMITED→ 12215736 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ALEXANDER HOUSE FINANCIAL PLANNING LIMITED→ 10647949 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ALEXANDER HOUSE FINANCIAL SERVICES LIMITED→ 08350734 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| ALPAS FINANCE LTD→ 15258832 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ALPINI CAPITAL LIMITED→ 13454285 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AMBER ROSE HOMES LIMITED→ 12869750 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AMEC TRUSTEES LIMITED→ 02830098 · est 1993 · no financials extracted | — | — | — | — | 32y | — | — |
| AMM IFA LIMITED→ 14120453 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AMW FINANCE LIMITED→ 05929956 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
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
Incorporated2004-08-20
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
The School House, 3 Cross Pit Lane
Rainford
St Helens
Merseyside
WA11 8AH
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-09-03
Last: 2025-08-20
Officers (1 active · 3 resigned)
BAGLOW, Alison→
Activedirector · ~49y · appointed 2004-08-20
View their other companies + combined net worth →
FOSTER, Paul Andrew→
Resignedsecretary · appointed 2004-08-20 · resigned 2017-01-01
HCS SECRETARIAL LIMITED→
Resignedcorporate-nominee-secretary · appointed 2004-08-20 · resigned 2004-08-20
HANOVER DIRECTORS LIMITED→
Resignedcorporate-nominee-director · appointed 2004-08-20 · resigned 2004-08-20
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Security Trustee Limited | A registered charge | — | 27/03/2023 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 17/07/2014 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (59 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-26
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-07-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-09-04
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2024-04-27
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2024-04-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-03-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-08-18