KNS FINANCIAL PLANNING LTD

🌳Matureactive
07122210 · ltd · incorporated 2010-01-12
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 Apr 2025
Net worth
—
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
Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (71/100)

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
No PSCs filed (unusual — worth investigating)
35
Director network
1 connected companies via shared directors
48
Filing history
41 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£24k£49k£73k£97k£121kApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-052024-04-05
Total assets—£105.8k
Current assets—£121.3k
Cash—£108.6k
Debtors—£12.6k
Net assets—£98.9k
Average employees400—

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
0
filings
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
  1. 2025-11-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-10-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-01-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2021-08-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-07-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-06-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-07-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2017-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2017-02-17
    📄
    memorandum-articles
    incorporation · MA
  12. 2017-02-17
    📄
    resolution
    resolution · RESOLUTIONS
  13. 2017-02-11
    📄
    capital-name-of-class-of-shares
    capital · SH08
  14. 2016-09-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-01-15
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2015-04-06
    ➕
    BIRKBECK, David Andrew appointed
    director
  17. 2010-01-12
    🏢
    Company incorporated
    As KNS FINANCIAL PLANNING LTD
  18. 2010-01-12
    ➕
    BOUSFIELD, Kevin Nelson appointed
    director
  19. 2010-01-12
    ➕
    BRAITHWAITE, Stephen Alan appointed
    director
  20. 2010-01-12
    ➕
    JOHNSON, Nichola Jane appointed
    director

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

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 58. Early succession window.
  • 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.)
🔒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

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.

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Company details

Statusactive
Typeltd
Incorporated2010-01-12
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

Lowther House
34 Lowther Street
Kendal
Cumbria
LA9 4DX

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-04-05
Confirmation statement
Next due: 2027-01-23
Last: 2026-01-09

Officers (4 active · 0 resigned)

BIRKBECK, David Andrew→
director · ~58y · appointed 2015-04-06
View their other companies + combined net worth →
Active
BOUSFIELD, Kevin Nelson→
director · ~52y · appointed 2010-01-12
View their other companies + combined net worth →
Active
BRAITHWAITE, Stephen Alan→
director · ~54y · appointed 2010-01-12
View their other companies + combined net worth →
Active
JOHNSON, Nichola Jane→
director · ~48y · appointed 2010-01-12
View their other companies + combined net worth →
Active

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

Recent filings (41 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-20
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-06
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-12
change-person-director-company-with-change-date
officers · CH01
2022-01-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-08-09
confirmation-statement-with-updates
confirmation-statement · CS01
2021-01-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-06-20