FRANCIS CLARK FINANCIAL PLANNING LIMITED
🌳Matureactive
05413603 · ltd · incorporated 2005-04-05
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 7.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 7.7y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 7.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 20/100 — 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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
27 officers (5 active, 27 linked, 24 with DOB)
88
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
128 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.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 6600 | 7000 |
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
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (72 events)Click to expand
- 2025-12-19📄accounts-with-accounts-type-smallaccounts · AA
- 2025-12-15📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-07📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-18📄accounts-with-accounts-type-smallaccounts · AA
- 2024-11-23📄resolutionresolution · RESOLUTIONS
- 2024-11-14📄capital-allotment-sharescapital · SH01
- 2024-01-30📄accounts-with-accounts-type-smallaccounts · AA
- 2023-09-28📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-07-31➖NEWCOMBE, Andrew William resigneddirector
- 2023-07-11📄accounts-with-accounts-type-smallaccounts · AA
- 2023-05-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-05-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-05-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-05-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-04-28➕MITCHELL, Nicola Jane appointeddirector
- 2023-04-28➕PHILLIPS, James Andrew appointeddirector
- 2023-04-28➕TAYLOR-ST.RUTH, Charlotte Elise appointeddirector
- 2023-04-28➖GOOCH, Nicholas Henry Wyard resigneddirector
- 2023-04-28➖HARVEY, Brian Matthew resigneddirector
- 2023-04-28➖WITHECOMBE, Robert Darren resigneddirector
- 2023-04-06📄change-person-director-company-with-change-dateofficers · CH01
- 2023-01-17📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2022-12-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-11-29➕REAH, Christopher James appointeddirector
- 2022-11-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2022-11-03📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2022-06-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-05-23➖HAMMOND, David Andrew resigneddirector
- 2022-05-23➕NEWCOMBE, Andrew William appointeddirector
- 2020-09-15➖NEWCOMBE, Andrew William resigneddirector
- 2020-09-15➖QUICK, Gary Paul resigneddirector
- 2020-07-01➕HARVEY, Brian Matthew appointeddirector
- 2020-03-31➖COLLINS, Stephen John resigneddirector
- 2019-08-05➕BAMBROUGH, Richard appointeddirector
- 2019-08-05➕WITHECOMBE, Robert Darren appointeddirector
- 2019-03-31➖WILSON, Michael Benjamin resigneddirector
- 2018-10-11🔒Charge registered #1Lender: Hsbc UK Bank PLC
- 2018-09-11➖NYLAND, Peter Richard resigneddirector
- 2018-03-31➖TURNER, Alan resigneddirector
- 2017-06-15➕HAMMOND, David Andrew appointeddirector
- 2016-12-28➕NYLAND, Peter Richard appointeddirector
- 2016-04-01➕GOOCH, Nicholas Henry Wyard appointeddirector
- 2016-03-31➖BURNETT, Leslie Michael resigneddirector
- 2015-10-30➖BUDGEN, Stuart Douglas resigneddirector
- 2015-07-31➖EVANS, Colin James resigneddirector
- 2015-04-01➖ENDACOTT, Jonathan Leonard resignedsecretary
- 2015-04-01➕BURNETT, Leslie Michael appointeddirector
- 2015-04-01➕COLLINS, Stephen John appointeddirector
Showing most recent 50 of 72 events
Owner dependency
40/100
Moderate — manageable with handoverSome 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.
Succession & seller-readiness
40/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryStable-but-static management: Company is 21 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Francis Clark Financial Planning (Holdings) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Francis Clark Financial Planning (Holdings) Limited
Corporate parent · holds 75-100% shares · board control
⬇
FRANCIS CLARK FINANCIAL PLANNING LIMITED
This company · 05413603
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 |
|---|---|---|---|---|
Francis Clark Financial Planning (Holdings) Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 10/02/2022 |
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 · TQ postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BOWBEER LIMITED→ 07831118 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| DCD SOLUTIONS LTD→ 16017244 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| DUKE CAPITAL LIMITED→ 12889402 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ENABLE INSURANCE SERVICES LIMITED→ 09372700 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| EPIEIKES LTD→ 16426559 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FINANCE 4 EVERYTHING LIMITED→ 16491744 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| FITCH FINANCIAL ASSOCIATES LIMITED→ 08655808 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| FOOTHOLD FINANCE LTD→ 12567516 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FORDER ESTATES LIMITED→ 13100815 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| FOUR STAGES FINANCE LIMITED→ 07306487 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| FRANCIS CLARK TRUST CORPORATION LIMITED→ 12271090 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| GAMBOYDE FINANCE LIMITED→ 11537168 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2005-04-05
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Sigma House Oak View Close
Edginswell Park
Torquay
Devon
TQ2 7FF
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-19
Last: 2026-04-05
Officers (5 active · 22 resigned)
BAMBROUGH, Richard→
Activedirector · ~49y · appointed 2019-08-05
View their other companies + combined net worth →
MITCHELL, Nicola Jane→
Activedirector · ~57y · appointed 2023-04-28
View their other companies + combined net worth →
PHILLIPS, James Andrew→
Activedirector · ~48y · appointed 2023-04-28
View their other companies + combined net worth →
REAH, Christopher James→
Activedirector · ~53y · appointed 2022-11-29
View their other companies + combined net worth →
TAYLOR-ST.RUTH, Charlotte Elise→
Activedirector · ~47y · appointed 2023-04-28
View their other companies + combined net worth →
ENDACOTT, Jonathan Leonard→
Resignedsecretary · appointed 2005-04-05 · resigned 2015-04-01
SWIFT INCORPORATIONS LIMITED→
Resignedcorporate-nominee-secretary · appointed 2005-04-05 · resigned 2005-04-05
BROWNSCOMBE, Robert Alan→
Resigneddirector · ~72y · appointed 2005-04-05 · resigned 2010-11-30
BUDGEN, Stuart Douglas→
Resigneddirector · ~53y · appointed 2014-08-01 · resigned 2015-10-30
BURNETT, Leslie Michael→
Resigneddirector · ~71y · appointed 2015-04-01 · resigned 2016-03-31
COLLINS, Stephen John→
Resigneddirector · ~75y · appointed 2015-04-01 · resigned 2020-03-31
COLLINS, Stephen John→
Resigneddirector · ~75y · appointed 2011-10-24 · resigned 2011-12-08
ENDACOTT, Jonathan Leonard→
Resigneddirector · ~59y · appointed 2005-04-05 · resigned 2015-04-01
EVANS, Colin James→
Resigneddirector · ~74y · appointed 2011-10-24 · resigned 2015-07-31
GOOCH, Nicholas Henry Wyard→
Resigneddirector · ~60y · appointed 2016-04-01 · resigned 2023-04-28
HAMMOND, David Andrew→
Resigneddirector · ~60y · appointed 2017-06-15 · resigned 2022-05-23
HARVEY, Brian Matthew→
Resigneddirector · ~48y · appointed 2020-07-01 · resigned 2023-04-28
HICKS, Christopher Lewis→
Resigneddirector · ~60y · appointed 2011-10-24 · resigned 2015-04-01
MITCHELL, John Peter→
Resigneddirector · ~69y · appointed 2008-09-30 · resigned 2011-10-19
NEWCOMBE, Andrew William→
Resigneddirector · ~66y · appointed 2022-05-23 · resigned 2023-07-31
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 11/10/2018 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (128 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-20
accounts-with-accounts-type-small
accounts · AA
2025-12-19
change-person-director-company-with-change-date
officers · CH01
2025-12-15
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-07
change-person-director-company-with-change-date
officers · CH01
2025-04-07
accounts-with-accounts-type-small
accounts · AA
2024-12-18
resolution
resolution · RESOLUTIONS
2024-11-23
capital-allotment-shares
capital · SH01
2024-11-14
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-05
accounts-with-accounts-type-small
accounts · AA
2024-01-30
termination-director-company-with-name-termination-date
officers · TM01
2023-09-28
accounts-with-accounts-type-small
accounts · AA
2023-07-11
appoint-person-director-company-with-name-date
officers · AP01
2023-05-11
appoint-person-director-company-with-name-date
officers · AP01
2023-05-11
appoint-person-director-company-with-name-date
officers · AP01
2023-05-11