DML FINANCIAL PLANNING LTD
💤Zombieactive
07382827 · ltd · incorporated 2010-09-21
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
—
Upgrade to see
Turnover
—
year to Jan 2026
Net worth
£24.1k
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. 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: 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.
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, 1 with DOB)
77
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
46 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Positive net assets
Net assets £24,134
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£24k
Current Assets
£47k
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2026-01-31 | 2025-01-31 |
|---|---|---|
| Total assets | £24.1k | — |
| Current assets | £47.1k | — |
| Net assets | £24.1k | — |
| Average employees | — | 500 |
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
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2026-03-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-06-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-01-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-03-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-05-13📄change-person-director-company-with-change-dateofficers · CH01
- 2022-04-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-09-23📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-09-23📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-09-23📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-03-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-03-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-09-24📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-04-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-06-01➕LAWS, Kerry Anne appointedsecretary
- 2016-06-01➖LAWS, Daniel Mather resignedsecretary
- 2010-09-21🏢Company incorporatedAs DML FINANCIAL PLANNING LTD
- 2010-09-21➕LAWS, Daniel Mather appointeddirector
- 2010-09-21➕LAWS, Daniel Mather appointedsecretary
Owner dependency
85/100
Critical — business is the founderThe 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 16 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
68/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- 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.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Daniel Mather Laws Individual · British · DOB 02/1973 · age 53 | 75–100% | — | 75-100% shares | 01/04/2020 |
2 historic (ceased) PSCs
- Mrs Isabella Valerie Lawsceased 01/04/2020· 25-50% shares
- Mr Brian Dawson Lawsceased 01/04/2020· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · DL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ADVANCED MORTGAGE SOLUTIONS NORTH EAST LIMITED→ 13421800 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| B. PORTWOOD & COMPANY LIMITED→ 00785468 · est 1963 · no financials extracted | — | — | — | — | 62y | — | — |
| BANNATYNE FINANCE LIMITED→ 12318009 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CANNIE INVESTMENTS LIMITED→ 13044020 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CARDIFF MONEY LIMITED→ 12182786 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| CHR INVESTMENT SOLUTIONS LIMITED→ 15587140 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| CLAIRE HOGG MORTGAGES & PROTECTION LIMITED→ 11826805 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| CT COMMERCIAL FINANCE LTD→ 09330401 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| CWA MAWER INSURANCE BROKERS LTD→ 15472591 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| DENHAM & BURD WEALTH MANAGEMENT LIMITED→ 12644469 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| DIAMOND INTERNATIONAL OVERSEAS LTD→ 06672742 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| DMMA LIMITED→ 08331499 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
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
Incorporated2010-09-21
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
Suite 14 Lingfield House
Lingfield Point
Darlington
DL1 1RW
England
Filing status
Accounts
Next due: 2027-10-31
Last made up to: 2026-01-31
Confirmation statement
Next due: 2026-10-05
Last: 2025-09-21
Officers (2 active · 1 resigned)
Active
LAWS, Daniel Mather→
Activedirector · ~53y · appointed 2010-09-21
View their other companies + combined net worth →
LAWS, Daniel Mather→
Resignedsecretary · appointed 2010-09-21 · resigned 2016-06-01
Click a director name to see their full track record across all companies.
Recent filings (46 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-29
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-01-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-25
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-22
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-05-13
change-person-director-company-with-change-date
officers · CH01
2022-05-13
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-22
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-28
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2020-09-23