ASTUTE FINANCIAL & LIFESTYLE PLANNING LIMITED
🌳Matureactive
05442255 · ltd · incorporated 2005-05-04
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
—
not disclosed
Net worth
—
book net assets
Opportunity
74/100
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 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 0.8y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.8 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 23/100 — clean.
Data confidence
Overall: medium (61/100)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
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
11 officers (3 active, 11 linked, 7 with DOB)
83
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
21 connected companies via shared directors
90
Filing history
95 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.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
7
filings
- • 2 accounts
- • 2 other
- • 2 officers
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
- 2026-02-04📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2026-02-04📄legacyaccounts · PARENT_ACC
- 2026-02-04📄legacyother · AGREEMENT2
- 2026-02-04📄legacyother · GUARANTEE2
- 2025-12-01➕KENDRICK, David John appointeddirector
- 2025-12-01➖JONES, Stephen Lewis resigneddirector
- 2025-12-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-31🔒Charge registered #1Lender: Glas Trust Corporation Limited as Security Agent
- 2025-02-05📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-02-05📄legacyaccounts · PARENT_ACC
- 2025-02-05📄legacyother · AGREEMENT2
- 2025-02-05📄legacyother · GUARANTEE2
- 2024-04-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-12-06📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2023-11-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-09📄resolutionresolution · RESOLUTIONS
- 2023-11-09📄memorandum-articlesincorporation · MA
- 2023-11-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-11-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-11-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-11-03📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-11-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-10-31➕CHEATHAM, Adrian Paul appointeddirector
- 2023-10-31➕PARNELL, James David appointeddirector
- 2023-10-31➖SMITH, Michael David resignedsecretary
- 2023-10-31➖HUSAUNNDEE, Geoffrey Suleiman resigneddirector
- 2023-10-31➕JONES, Stephen Lewis appointeddirector
- 2023-10-31➖SMITH, Michael David resigneddirector
- 2021-04-01➖O'CONNOR, Susan Jane resignedsecretary
- 2021-04-01➕SMITH, Michael David appointedsecretary
- 2021-04-01➕HUSAUNNDEE, Geoffrey Suleiman appointeddirector
- 2021-04-01➖O'CONNOR, Ian John resigneddirector
- 2021-04-01➕SMITH, Michael David appointeddirector
- 2005-05-04🏢Company incorporatedAs ASTUTE FINANCIAL & LIFESTYLE PLANNING LIMITED
- 2005-05-04➕O'CONNOR, Susan Jane appointedsecretary
- 2005-05-04➕TEMPLE SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2005-05-04➖TEMPLE SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2005-05-04➕O'CONNOR, Ian John appointeddirector
- 2005-05-04➕COMPANY DIRECTORS LIMITED appointedcorporate-nominee-director
- 2005-05-04➖COMPANY DIRECTORS LIMITED resignedcorporate-nominee-director
Owner dependency
50/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
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
Chamberlyns Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Chamberlyns Group Limited
Corporate parent · holds 75-100% shares · board control
⬇
ASTUTE FINANCIAL & LIFESTYLE PLANNING LIMITED
This company · 05442255
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 |
|---|---|---|---|---|
Chamberlyns Group Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/04/2021 |
2 historic (ceased) PSCs
- Mr Ian John O'Connorceased 01/04/2021· 25-50% shares
- Mrs Susan Jane O'Connorceased 01/04/2021· 25-50% shares
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
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|---|---|---|---|---|---|---|---|
| AHP INVESTMENTS LIMITED→ 13471459 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AJC CONSULTANTS LIMITED→ 05499872 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| ALISON GREGORY WEALTH MANAGEMENT LIMITED→ 09088812 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ALPINE ACCIDENT CLAIMS LIMITED→ 05120517 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| AMZA CORPORATION LIMITED→ 02940055 · est 1994 · no financials extracted | — | — | — | — | 31y | — | — |
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| ARLINGTON GP LIMITED→ 11529275 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ART OF MORTGAGE CO LTD→ 16224316 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ATTAIN INVESTMENTS LIMITED→ 16993282 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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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
Incorporated2005-05-04
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Sky View, Argosy Road East Midlands Airport
Castle Donington
Derby
DE74 2SA
United Kingdom
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-05-18
Last: 2026-05-04
Officers (3 active · 8 resigned)
CHEATHAM, Adrian Paul→
Activedirector · ~55y · appointed 2023-10-31
View their other companies + combined net worth →
KENDRICK, David John→
Activedirector · ~44y · appointed 2025-12-01
View their other companies + combined net worth →
PARNELL, James David→
Activedirector · ~48y · appointed 2023-10-31
View their other companies + combined net worth →
O'CONNOR, Susan Jane→
Resignedsecretary · appointed 2005-05-04 · resigned 2021-04-01
SMITH, Michael David→
Resignedsecretary · appointed 2021-04-01 · resigned 2023-10-31
TEMPLE SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2005-05-04 · resigned 2005-05-04
HUSAUNNDEE, Geoffrey Suleiman→
Resigneddirector · ~51y · appointed 2021-04-01 · resigned 2023-10-31
JONES, Stephen Lewis→
Resigneddirector · ~56y · appointed 2023-10-31 · resigned 2025-12-01
O'CONNOR, Ian John→
Resigneddirector · ~66y · appointed 2005-05-04 · resigned 2021-04-01
SMITH, Michael David→
Resigneddirector · ~44y · appointed 2021-04-01 · resigned 2023-10-31
COMPANY DIRECTORS LIMITED→
Resignedcorporate-nominee-director · appointed 2005-05-04 · resigned 2005-05-04
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 | Glas Trust Corporation as Security Agent Glas Trust Corporation Limited as Security Agent | A registered charge | 1 property | 31/07/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (95 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-05
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2026-02-04
legacy
accounts · PARENT_ACC
2026-02-04
legacy
other · AGREEMENT2
2026-02-04
legacy
other · GUARANTEE2
2026-02-04
termination-director-company-with-name-termination-date
officers · TM01
2025-12-01
appoint-person-director-company-with-name-date
officers · AP01
2025-12-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-06
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-02-05
legacy
accounts · PARENT_ACC
2025-02-05
legacy
other · AGREEMENT2
2025-02-05
legacy
other · GUARANTEE2
2025-02-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-04-03