ORACLE FINANCIAL PLANNING LIMITED

🌳Matureactive
06753174 · ltd · incorporated 2008-11-19
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
£108.9k
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
Asset-holding vehicle with a 65-year-old founder — textbook succession opportunity.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (69/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
7 officers (4 active, 7 linked, 5 with DOB)
84
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
50 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 £108,880

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
£109k
Current Assets
£132k
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-12-31
Total assets£109.9k
Current assets£131.8k
Net assets£108.9k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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 (26 events)Click to expand
  1. 2026-03-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-06-05
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  3. 2025-02-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-03-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-02-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-04-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-03-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-01-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-03-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-04-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2017-03-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2016-05-12
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2016-05-12
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-12-31
    ➖
    ORRICK, Nigel Henry resigned
    director
  15. 2015-09-25
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2015-03-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2013-04-01
    ➕
    HOPKIN, Simon appointed
    secretary
  18. 2013-03-31
    ➖
    GRAHAM, John George resigned
    secretary
  19. 2013-03-31
    ➖
    GRAHAM, John George resigned
    director
  20. 2008-11-19
    🏢
    Company incorporated
    As ORACLE FINANCIAL PLANNING LIMITED
  21. 2008-11-19
    ➕
    HOPKIN, Simon appointed
    director
  22. 2008-11-19
    ➕
    MORRELL, Kenneth appointed
    director
  23. 2008-11-19
    ➕
    REYNOLDS, Simon appointed
    director
  24. 2008-11-19
    ➕
    GRAHAM, John George appointed
    secretary
  25. 2008-11-19
    ➕
    GRAHAM, John George appointed
    director
  26. 2008-11-19
    ➕
    ORRICK, Nigel Henry appointed
    director

Owner dependency

75/100
High — earn-out structure required

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

FACTORS
  • +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.

Succession & seller-readiness

73/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • 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

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Simon Reynolds
Individual · British · DOB 07/1964 · age 62
25–50%
—25-50% shares01/07/2016
Mr Simon Hopkin
Individual · British · DOB 01/1965 · age 61
25–50%
—25-50% shares01/07/2016
Mr Kenneth Morrell
Individual · British · DOB 01/1961 · age 65
25–50%
—25-50% shares01/07/2016

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

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———————
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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
Incorporated2008-11-19
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

4 Admiral Way
Doxford International Business Park
Sunderland
Tyne & Wear
SR3 3XW

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-10-01
Last: 2025-09-17

Officers (4 active · 3 resigned)

HOPKIN, Simon→
secretary · appointed 2013-04-01
View their other companies + combined net worth →
Active
HOPKIN, Simon→
director · ~61y · appointed 2008-11-19
View their other companies + combined net worth →
Active
MORRELL, Kenneth→
director · ~65y · appointed 2008-11-19
View their other companies + combined net worth →
Active
REYNOLDS, Simon→
director · ~62y · appointed 2008-11-19
View their other companies + combined net worth →
Active
GRAHAM, John George→
secretary · appointed 2008-11-19 · resigned 2013-03-31
Resigned
GRAHAM, John George→
director · ~75y · appointed 2008-11-19 · resigned 2013-03-31
Resigned
ORRICK, Nigel Henry→
director · ~58y · appointed 2008-11-19 · resigned 2015-12-31
Resigned

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

Recent filings (50 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-18
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2025-06-05
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-17
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-20
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-26
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-09-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-01-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-09-17