A LA CARTE FINANCIAL PLANNING LIMITED

💤Zombieactive
06998826 · ltd · incorporated 2009-08-24
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
—
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Turnover
—
year to Sept 2025
Net worth
£2.2k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 60-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 60). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -72% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (79/100)

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
3 officers (2 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
43 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
80
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 · accounting standard not declared
Positive net assets
Net assets £2,213
Cash draining
Cash down 72% YoY
Cash YoY
-72%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£2k
↓ 72% YoY
Net Worth
£2k
↑ 6.8% YoY
Current Assets
£10k
↑ 38% YoY
Current Liabilities
—
£0£2k£4k£6k£8k£10kSept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30
Total assets£2.2k£10.4k
Current assets£10.5k£7.6k
Cash£1.9k£6.6k
Debtors£8.6k£942
Net assets£2.2k£2.1k

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
1
filing
  • • 1 accounts
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2026-05-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-06-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-06-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-10-04
    📄
    capital-allotment-shares
    capital · SH01
  6. 2022-06-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-05-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-05-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-05-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-08-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2018-01-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2017-06-08
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2016-05-24
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  14. 2015-09-02
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-04-13
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2009-08-25
    ➖
    JACOBS, Yomtov Eliezer resigned
    director
  17. 2009-08-24
    🏢
    Company incorporated
    As A LA CARTE FINANCIAL PLANNING LIMITED
  18. 2009-08-24
    ➕
    LYNCH, Michelle appointed
    secretary
  19. 2009-08-24
    ➕
    POLLARD, Matthew Joseph appointed
    director
  20. 2009-08-24
    ➕
    JACOBS, Yomtov Eliezer appointed
    director

Owner dependency

93/100
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.
  • +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.

Succession & seller-readiness

78/100
Likely off-market candidate

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
  • 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

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 Matthew Joseph Pollard
Individual · British · DOB 06/1966 · age 60
50–75%
50–75%50-75% shares · 50-75% voting06/04/2016
Ms Michelle Lynch
Individual · British · DOB 07/1979 · age 47
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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.

See pricing →

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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
Incorporated2009-08-24
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

3 The Studios
320 Chorley Old Road
Bolton
BL1 4JU
England

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-09-07
Last: 2025-08-24

Officers (2 active · 1 resigned)

LYNCH, Michelle→
secretary · appointed 2009-08-24
View their other companies + combined net worth →
Active
POLLARD, Matthew Joseph→
director · ~60y · appointed 2009-08-24
View their other companies + combined net worth →
Active
JACOBS, Yomtov Eliezer→
director · ~56y · appointed 2009-08-24 · resigned 2009-08-25
Resigned

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

Recent filings (43 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-05-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-17
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-30
capital-allotment-shares
capital · SH01
2022-10-04
confirmation-statement-with-updates
confirmation-statement · CS01
2022-09-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-17