BW FINANCIAL PLANNING LIMITED

🌳Matureactive
06649429 · ltd · incorporated 2008-07-17
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
—
year to Sept 2025
Net worth
£5.7k
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 81/100 (exceptional), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (78/100)

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
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

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

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £5,721
Net assets shrinking
Down £9,425 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£6k
↓ 62% YoY
Current Assets
£85k
↓ 6.9% YoY
Current Liabilities
—
£0£18k£36k£55k£73k£91kSept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-09-302024-09-30
Total assets£5.7k£15.1k
Current assets£84.6k£90.9k
Net assets£5.7k£15.1k

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2026-02-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-05-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-02-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-08-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2022-12-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-06-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-01-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-09-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2020-09-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  10. 2020-02-04
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2020-02-04
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2019-12-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-01-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2018-01-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2016-12-21
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2012-08-01
    ➕
    BRUCK, Sharon appointed
    director
  17. 2012-08-01
    ➕
    WALL, Clare appointed
    director
  18. 2008-07-17
    🏢
    Company incorporated
    As BW FINANCIAL PLANNING LIMITED
  19. 2008-07-17
    ➕
    BRUCK, Karl Paul appointed
    director
  20. 2008-07-17
    ➕
    WALL, Peter Laurence appointed
    director

Owner dependency

66/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

63/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondary12+ year tenure: Director in role 18 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Peter Laurence Wall
Individual · British · DOB 07/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting01/07/2016
Mr Karl Paul Bruck
Individual · British · DOB 03/1971 · age 55
25–50%
25–50%25-50% shares · 25-50% voting01/07/2016

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

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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
Incorporated2008-07-17
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Ldp Luckmans 1110 Elliott Court
Coventry Business Park
Coventry
CV5 6UB
England

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-07-31
Last: 2025-07-17

Officers (4 active · 0 resigned)

BRUCK, Karl Paul→
director · ~55y · appointed 2008-07-17
View their other companies + combined net worth →
Active
BRUCK, Sharon→
director · ~56y · appointed 2012-08-01
View their other companies + combined net worth →
Active
WALL, Clare→
director · ~57y · appointed 2012-08-01
View their other companies + combined net worth →
Active
WALL, Peter Laurence→
director · ~59y · appointed 2008-07-17
View their other companies + combined net worth →
Active

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

Recent filings (49 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-21
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-08-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-17
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-18
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-26
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-09-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2020-09-17