ADAMS FINANCIAL PLANNING LIMITED
- · Hygiene score: 90 → 70
- · Opportunity score: 75 → 67
- · Bankability: 75 → 65
- · Distress / opportunity: avoid → speculative
- · 3 recent signals weakening vs 0 strengthening
Picture worsened over the last 30 days — 3 negative signals vs 0 positive.
- ↓Opportunity score: 75 → 67
- ↓Hygiene score: 90 → 70
- ↓Bankability: 75 → 65
- ·Distress / opportunity: avoid → speculative
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
Opportunity 67/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| 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 accounts
- • 1 accounts
Corporate timeline (21 events)Click to expand
- 2026-04-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-24📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-04-26📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-10-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-19📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-04-29📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-07-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-25📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2020-04-23📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2019-10-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2019-10-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2019-10-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-27📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2010-06-16🏢Company incorporatedAs ADAMS FINANCIAL PLANNING LIMITED
- 2010-06-16➕ADAMS, Russell appointedsecretary
- 2010-06-16➕ADAMS, Russell appointeddirector
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.
- +Founder name in company name: Company name contains director surname "ADAMS" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
- +No director turnover: Company is 16 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 16 years.
- secondaryStable-but-static management: Company is 16 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high ·Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-07-01
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Victoria Louise Adams Individual · British · DOB 09/1984 · age 42 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 05/07/2018 |
Mr Russell Adams Individual · British · DOB 11/1982 · age 44 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 16/06/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · BS postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CONSULTA FINANCIAL GROUP LIMITED→ 14788014 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CYPRESSA M11 LIMITED→ 13315208 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CYPRESSA M13 LIMITED→ 13315063 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| CYPRESSA M15 LIMITED→ 13315042 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| D&W ALLEN LTD→ 09064963 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| DACKA CONSULTANCY LIMITED→ 04452597 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| DASHER GROUP LIMITED→ 09692590 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| DAVIES-COUSINS COMPLIANCE LTD→ 15605476 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| DEDOMAINIA LTD→ 09969232 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| DENNEY & CO. LTD.→ 02621737 · est 1991 · no financials extracted | — | — | — | — | 34y | — | — |
| DEVON BAY SOLUTIONS LIMITED→ 15202458 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| DH FINANCIAL (BRISTOL) LIMITED→ 13604172 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.