PLANS 4 LIFE LTD
💤Zombieactive
06112391 · ltd · incorporated 2007-02-16
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 Mar 2026
Net worth
£13.3k
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Special-situation opportunityDistressed financial-services with salvageable qualities — special-situations priority.
Opportunity 72/100 (strong), bankability 65/100. Strong seller-intent signal (78/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (79/100)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
Confirmed no charges registered
85
Directors & officers
3 officers (2 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £13,253
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£13k
↑ 27% YoY
Current Assets
£12k
↑ 32% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2026-03-31 | 2025-03-31 |
|---|---|---|
| Total assets | £13.3k | £10.4k |
| Current assets | £12.1k | £9.2k |
| Net assets | £13.3k | £10.4k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
2
filings
- • 1 gazette
- • 1 accounts
Last 90 days
3
filings
- • 2 gazette
- • 1 accounts
Last 180 days
3
filings
- • 2 gazette
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2026-06-24📄gazette-filings-brought-up-to-dategazette · DISS40
- 2026-06-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-06-02📄gazette-notice-compulsorygazette · GAZ1
- 2025-09-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-13📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2024-06-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-06-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-22📄change-person-director-company-with-change-dateofficers · CH01
- 2022-03-22📄change-person-secretary-company-with-change-dateofficers · CH03
- 2021-06-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-05-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-06-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-11-10📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-02-19📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2008-07-10➖JONES, David Christopher resigneddirector
- 2007-02-16🏢Company incorporatedAs PLANS 4 LIFE LTD
- 2007-02-16➕OGDEN, Christopher James appointedsecretary
- 2007-02-16➕OGDEN, Christopher James appointeddirector
- 2007-02-16➕JONES, David Christopher appointeddirector
Owner dependency
100/100
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 19 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 68 — succession pressure is live.
Succession & seller-readiness
83/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 19 years.
- secondaryStable-but-static management: Company is 19 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high ·Confirmation statement overdue
highAnnual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-03-02
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Christopher Ogden Individual · British · DOB 09/1958 · age 68 | 75–100% | — | 75-100% shares | 16/02/2017 |
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 · BB postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| LEDASI→ 16595401 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| MEADE PROPERTY HOLDINGS LTD→ 16026791 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| MH FROST CAPITAL LTD→ 16926157 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| OP PROPERTIES & REPAIRS LTD→ 16175415 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ORCA FINANCE AND LEASING LTD→ 15513761 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| PACIFIC FINANCIAL SERVICES (NORTH WEST) LTD→ 08302510 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| PALM FINANCIAL CARE LIMITED→ 06261386 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| PEAKS & VALLEYS INVESTMENTS LIMITED→ 13466248 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| PM INDEPENDENT FINANCIAL SERVICES LTD→ 05677262 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| PM&M FINANCIAL PLANNING LTD→ 03626554 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| PM&M MORTGAGES LTD→ 11780952 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| POLYGON FINANCIAL LTD→ 05422562 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2007-02-16
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
Suite 27 Barnfield House
Sandpits Lane, Accrington Road
Blackburn
Lancs
BB1 3NY
Filing status
Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2026-03-02OVERDUE
Last: 2025-02-16
Officers (2 active · 1 resigned)
OGDEN, Christopher James→
Activesecretary · appointed 2007-02-16
View their other companies + combined net worth →
OGDEN, Christopher James→
Activedirector · ~68y · appointed 2007-02-16
View their other companies + combined net worth →
JONES, David Christopher→
Resigneddirector · ~52y · appointed 2007-02-16 · resigned 2008-07-10
Click a director name to see their full track record across all companies.
Recent filings (49 total)
gazette-filings-brought-up-to-date
gazette · DISS40
2026-06-24
accounts-with-accounts-type-micro-entity
accounts · AA
2026-06-23
gazette-notice-compulsory
gazette · GAZ1
2026-06-02
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-12
change-account-reference-date-company-previous-extended
accounts · AA01
2025-05-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-18
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-16
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-23
accounts-with-accounts-type-micro-entity
accounts · AA
2022-03-28
change-person-director-company-with-change-date
officers · CH01
2022-03-22
change-person-secretary-company-with-change-date
officers · CH03
2022-03-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-22
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-09