ORCHARD FINANCIAL PLANNING LIMITED

💤Zombieactive
06474885 · ltd · incorporated 2008-01-16
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 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 65-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 65). 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: share sale to pe / searcher (73/100).

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
Confirmed no charges registered
85
Directors & officers
8 officers (1 active, 8 linked, 4 with DOB)
80
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
67 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees100100

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
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
  1. 2025-12-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-02-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2024-05-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-06-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-06-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-09-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-02-03
    ➖
    OWEN, Hayley resigned
    secretary
  8. 2021-02-03
    ➖
    OWEN, Hayley resigned
    director
  9. 2021-02-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2021-02-03
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  11. 2020-09-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-08-02
    📄
    capital-cancellation-shares
    capital · SH06
  13. 2019-08-02
    📄
    capital-return-purchase-own-shares
    capital · SH03
  14. 2019-07-26
    📄
    legacy
    miscellaneous · RP04CS01
  15. 2019-06-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2019-01-14
    📄
    capital-cancellation-shares
    capital · SH06
  17. 2018-12-21
    📄
    resolution
    resolution · RESOLUTIONS
  18. 2018-12-21
    📄
    capital-return-purchase-own-shares
    capital · SH03
  19. 2018-12-04
    📄
    resolution
    resolution · RESOLUTIONS
  20. 2018-11-23
    ➖
    DOBSON, Alison resigned
    secretary
  21. 2018-11-23
    ➕
    OWEN, Hayley appointed
    secretary
  22. 2018-11-23
    ➖
    DOBSON, Alison resigned
    director
  23. 2018-11-23
    ➖
    DOBSON, Stephen resigned
    director
  24. 2018-11-23
    ➕
    OWEN, Hayley appointed
    director
  25. 2012-02-15
    ➕
    DAVIES, Royden Andrew appointed
    director
  26. 2008-01-16
    🏢
    Company incorporated
    As ORCHARD FINANCIAL PLANNING LIMITED
  27. 2008-01-16
    ➕
    DOBSON, Alison appointed
    secretary
  28. 2008-01-16
    ➕
    HCS SECRETARIAL LIMITED appointed
    corporate-nominee-secretary
  29. 2008-01-16
    ➖
    HCS SECRETARIAL LIMITED resigned
    corporate-nominee-secretary
  30. 2008-01-16
    ➕
    DOBSON, Alison appointed
    director
  31. 2008-01-16
    ➕
    DOBSON, Stephen appointed
    director
  32. 2008-01-16
    ➕
    HANOVER DIRECTORS LIMITED appointed
    corporate-nominee-director
  33. 2008-01-16
    ➖
    HANOVER DIRECTORS LIMITED resigned
    corporate-nominee-director

Owner dependency

90/100
Critical — business is the founder

The 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.
  • +Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

88/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. 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 14 years.
  • secondaryStable-but-static management: Company is 18 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

clean
No 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%
NameSharesVoting rightsNature of controlNotified
Mr Royden Andrew Davies
Individual · British · DOB 03/1961 · age 65
75–100%
—75-100% shares06/04/2016
1 historic (ceased) PSC
  • Mr Stephen Dobsonceased 23/11/2018· 25-50% shares

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Financial services · LA postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
BOWLAND FINANCE LIMITED→
12324302 · est 2019 · no financials extracted
————6y——
BRATHAY INVESTMENTS LIMITED→
13483414 · est 2021 · no financials extracted
————4y——
FACE TO FACE FINANCIAL SERVICES LTD→
04663849 · est 2003 · no financials extracted
————23y——
FINANCIAL MANAGEMENT BUREAU LIMITED→
02089786 · est 1987 · no financials extracted
————39y——
HAPSBURG→
05215690 · est 2004 · no financials extracted
————21y——
HOME & FINANCE IFA LIMITED→
02214832 · est 1988 · no financials extracted
————38y——
IAN FRAZER FINANCIAL PLANNING LIMITED→
07555736 · est 2011 · no financials extracted
————15y——
INDEPENDENT INVESTMENT ASSOCIATES LIMITED→
04328527 · est 2001 · no financials extracted
————24y——
JEP PROPERTY GROUP LTD→
16588510 · est 2025 · no financials extracted
———————
JK (FC) PENSION TRUSTEES LTD→
05963443 · est 2006 · no financials extracted
————19y——
K & J LEES LTD→
16937258 · est 2025 · no financials extracted
———————
KIERON BASSETT FINANCIAL SERVICES LIMITED→
12560481 · est 2020 · no financials extracted
————6y——
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2008-01-16
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Rollen Court Carr Bank Road
Carr Bank
Milnthorpe
Cumbria
LA7 7LE
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-01-30
Last: 2026-01-16

Officers (1 active · 7 resigned)

DAVIES, Royden Andrew→
director · ~65y · appointed 2012-02-15
View their other companies + combined net worth →
Active
DOBSON, Alison→
secretary · appointed 2008-01-16 · resigned 2018-11-23
Resigned
OWEN, Hayley→
secretary · appointed 2018-11-23 · resigned 2021-02-03
Resigned
HCS SECRETARIAL LIMITED→
corporate-nominee-secretary · appointed 2008-01-16 · resigned 2008-01-16
Resigned
DOBSON, Alison→
director · ~54y · appointed 2008-01-16 · resigned 2018-11-23
Resigned
DOBSON, Stephen→
director · ~57y · appointed 2008-01-16 · resigned 2018-11-23
Resigned
OWEN, Hayley→
director · ~60y · appointed 2018-11-23 · resigned 2021-02-03
Resigned
HANOVER DIRECTORS LIMITED→
corporate-nominee-director · appointed 2008-01-16 · resigned 2008-01-16
Resigned

Click a director name to see their full track record across all companies.

Recent filings (67 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-07
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-15
termination-director-company-with-name-termination-date
officers · TM01
2021-02-03
termination-secretary-company-with-name-termination-date
officers · TM02
2021-02-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-30