EQUINOX FINANCIAL PLANNING LTD
Opportunity 71/100 (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).
Data confidence
Overall: medium (71/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 |
|---|---|
| Total assets | £211.5k |
| Current assets | £233.6k |
| Cash | £177.0k |
| Debtors | £56.6k |
| Net assets | £211.5k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 4 persons-with-significant-control
- • 3 officers
- • 1 address
Corporate timeline (28 events)Click to expand
- 2026-02-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-02-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-02-02📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2026-02-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-02-02📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-02-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-27➕STEPHENSON, Alexander James appointeddirector
- 2026-01-27➖MUTTER, Philip James David resigneddirector
- 2026-01-27➖RICHARDSON, Andrew James resigneddirector
- 2025-09-08📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2025-06-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-01-05📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2021-12-24➖WILSON, Julie Beryl resignedsecretary
- 2021-12-24➖WILSON, Julie Beryl resigneddirector
- 2021-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2006-11-01🏢Company incorporatedAs EQUINOX FINANCIAL PLANNING LTD
- 2006-11-01➕WILSON, Julie Beryl appointedsecretary
- 2006-11-01➕MUTTER, Philip James David appointeddirector
- 2006-11-01➕RICHARDSON, Andrew James appointeddirector
- 2006-11-01➕WILSON, Julie Beryl appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med ·Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: MUTTER, Philip James David resigned 2026-01-27; RICHARDSON, Andrew James resigned 2026-01-27
Group structure
Pineapple Financial Planning Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Pineapple Financial Planning Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 27/01/2026 |
3 historic (ceased) PSCs
- Mr Andrew James Richardsonceased 27/01/2026· 25-50% shares
- Mr Philip James David Mutterceased 27/01/2026· 25-50% shares
- Mrs Julie Beryl Wilsonceased 27/01/2026· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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| HAL NOMINEE 2 LIMITED→ 13789508 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| HALIFAX ESTATE NOMINEES 1 LIMITED→ 12368920 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| HALIFAX ESTATE NOMINEES 2 LIMITED→ 12368651 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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 →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
Registered office
Filing status
Officers (1 active · 4 resigned)
Click a director name to see their full track record across all companies.