ADVANCE FINANCIAL PLANNING (SOUTH WEST) LTD

🌳Matureactive

06861584 · ltd · incorporated 2009-03-27

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 May 2025

Net worth

£8.7k

book net assets

Opportunity

80/100

Exceptional

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What this business does

Primary activity: Other activities auxiliary to insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle with a 83-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 83). 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

Lenders & charges

Confirmed no charges registered

Directors & officers

3 officers (3 active, 3 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

47 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £8,679

Net assets shrinking

Down £6,585 YoY

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£9k

↓ 43% YoY

Current Assets

£12k

↑ 104% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-05-31	2024-05-31
Total assets	£8.7k	£15.3k
Current assets	£11.7k	£5.8k
Net assets	£8.7k	£15.3k

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

Recent activity

Last 30 days

filings

• 2 persons-with-significant-control
• 1 confirmation-statement

Last 90 days

filings

• 2 persons-with-significant-control
• 1 confirmation-statement

Last 180 days

filings

• 2 persons-with-significant-control
• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (20 events)Click to expand

2026-05-27
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-05-27
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-18
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-19
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-02-10
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-02-18
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-05-01
📍
change-sail-address-company-with-old-address-new-address
address · AD02
2020-04-07
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-04-07
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-02-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-02-14
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-02-08
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-06-17
📄
capital-allotment-shares
capital · SH01
2017-05-30
📍
change-sail-address-company-with-new-address
address · AD02
2009-03-27
🏢
Company incorporated
As ADVANCE FINANCIAL PLANNING (SOUTH WEST) LTD
2009-03-27
➕
KERWIN, Paddy appointed
secretary
2009-03-27
➕
KERWIN, Nicola Anne appointed
director
2009-03-27
➕
KERWIN, Paddy appointed
director

Owner dependency

91/100

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

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 83 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

89/100

Likely off-market candidate

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 83 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
secondary12+ year tenure: Director in role 17 years.
secondaryStable-but-static management: Company is 17 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

Name	Shares	Voting rights	Nature of control	Notified
Ms Nicola Anne Kerwin Individual · British · DOB 06/1960 · age 66	25–50%	—	25-50% shares	01/06/2016
Mr Patrick Byrnes Kerwin Individual · British · DOB 08/1943 · age 83	25–50%	25–50%	25-50% shares · 25-50% voting	01/06/2016

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.

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Similar companies

Active · Financial services · TQ postcode area

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BAY CARE VENTURES LTD→ 16032320 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
BENTLEY BLYTH LIMITED→ 11844225 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
BIOREGIONAL LEARNING TRUST→ 16135599 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
BOWBEER LIMITED→ 07831118 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
BTROTMAN LTD→ 16319169 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
CLAYDEN ASSOCIATES LIMITED→ 05396590 · est 2005 · no financials extracted	—	—	—	—	21y	—	—
CLEARWATER FINANCIAL PLANNING LTD→ 05764001 · est 2006 · no financials extracted	—	—	—	—	20y	—	—
CLIFFE HOUSE ESTATES LIMITED→ 03161333 · est 1996 · no financials extracted	—	—	—	—	30y	—	—
CLIMACINA LTD→ 14344545 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
CONCISE WEALTH MANAGEMENT LIMITED→ 07287601 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
CORNWALL & DEVON SERVICES LIMITED→ 12231344 · est 2019 · no financials extracted	—	—	—	—	6y	—	—

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 →

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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.

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Company details

Statusactive

Typeltd

Incorporated2009-03-27

Jurisdictionengland-wales

Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

Cypress House Brimley Road

Bovey Tracey

Newton Abbot

Devon

TQ13 9DH

England

Filing status

Accounts

Next due: 2027-02-28

Last made up to: 2025-05-31

Confirmation statement

Next due: 2027-05-14

Last: 2026-04-30

Officers (3 active · 0 resigned)

KERWIN, Paddy→

secretary · appointed 2009-03-27

View their other companies + combined net worth →

Active

KERWIN, Nicola Anne→

director · ~66y · appointed 2009-03-27

View their other companies + combined net worth →

Active

KERWIN, Paddy→

director · ~83y · appointed 2009-03-27

View their other companies + combined net worth →

Active

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

Recent filings (47 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-05-28

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2026-05-27

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2026-05-27