BELBURY FINANCIAL PLANNING LIMITED
Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 77). 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).
Refinance opportunity
1 live charge · oldest 2.0y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Newest facility, 2.0 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | — | £806.5k |
| Current assets | — | £846.6k |
| Cash | — | £609.0k |
| Debtors | — | £237.6k |
| Net assets | — | £805.8k |
| Average employees | 100 | — |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
- • 1 persons-with-significant-control
Corporate timeline (21 events)Click to expand
- 2026-03-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-03-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-08-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-14📄memorandum-articlesincorporation · MA
- 2024-08-14📄resolutionresolution · RESOLUTIONS
- 2024-08-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-08-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-08-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-30🔒Charge registered #1Lender: Oaknorth Bank PLC
- 2024-05-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-03-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-02-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2013-12-17➖POLAND, Janet resignedsecretary
- 2009-06-24🏢Company incorporatedAs BELBURY FINANCIAL PLANNING LIMITED
- 2009-06-24➕POLAND, Geoffrey Brian appointeddirector
- 2009-06-24➕POLAND, Janet appointedsecretary
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 77 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- 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
cleanGroup structure
Mrw Group Holdings Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrw Group Holdings Ltd Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/07/2024 |
1 historic (ceased) PSC
- Mr Geoffrey Brian Polandceased 30/07/2024· 75-100% shares · 75-100% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (1 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | OakNorth Oaknorth Bank PLC | A registered charge | — | 30/07/2024 | — |