CANDID FINANCIAL PLANNING LIMITED

🌳Matureactive
07874995 · ltd · incorporated 2011-12-08
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 Mar 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
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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 strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

Data confidence

Overall: medium (77/100)

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 (2 active, 4 linked, 3 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
37 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
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£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
2
filings
  • • 2 officers
Last 180 days
3
filings
  • • 3 officers
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2026-05-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  2. 2026-05-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  3. 2026-05-01
    ➕
    MAINON, Victoria Elizabeth appointed
    director
  4. 2026-05-01
    ➖
    WOODHEAD, Matthew Bennett resigned
    director
  5. 2026-03-01
    ➕
    WOODHEAD, Matthew Bennett appointed
    director
  6. 2026-03-01
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  7. 2025-11-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2024-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2023-12-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-12-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-03-31
    ➖
    MAINON, Lynne resigned
    secretary
  12. 2022-03-31
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2022-03-31
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  14. 2021-11-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2020-05-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2019-12-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2018-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2017-12-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2016-11-10
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  20. 2011-12-08
    🏢
    Company incorporated
    As CANDID FINANCIAL PLANNING LIMITED
  21. 2011-12-08
    ➕
    MAINON, Richard appointed
    director
  22. 2011-12-08
    ➕
    MAINON, Lynne appointed
    secretary

Owner dependency

66/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

49/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 15 years.
  • 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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Richard Mainon
Individual · United Kingdom · DOB 04/1973 · age 53
75–100%
75–100%75-100% shares · 75-100% voting06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2011-12-08
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

Herons Way
Chester Business Park
Chester
CH4 9QR

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-09
Last: 2025-11-25

Officers (2 active · 2 resigned)

MAINON, Richard→
director · ~53y · appointed 2011-12-08
View their other companies + combined net worth →
Active
MAINON, Victoria Elizabeth→
director · ~36y · appointed 2026-05-01
View their other companies + combined net worth →
Active
MAINON, Lynne→
secretary · appointed 2011-12-08 · resigned 2022-03-31
Resigned
WOODHEAD, Matthew Bennett→
director · ~55y · appointed 2026-03-01 · resigned 2026-05-01
Resigned

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

Recent filings (37 total)

appoint-person-director-company-with-name-date
officers · AP01
2026-05-06
termination-director-company-with-name-termination-date
officers · TM01
2026-05-06
appoint-person-director-company-with-name-date
officers · AP01
2026-03-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-09
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-09
change-person-director-company-with-change-date
officers · CH01
2022-03-31
termination-secretary-company-with-name-termination-date
officers · TM02
2022-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-29