FRESH APPROACH FINANCIAL PLANNING LIMITED
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. 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 (78/100)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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey 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 | 2026-03-31 | 2025-03-31 |
|---|---|---|
| Total assets | £147.7k | — |
| Current assets | £188.7k | — |
| Net assets | £108.6k | — |
| Average employees | — | 300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 accounts
- • 1 accounts
- • 1 officers
Corporate timeline (23 events)Click to expand
- 2026-07-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-02-06📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-10-13📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-09-09➕URMSTON, Julie Clare appointedsecretary
- 2025-09-09➖URMSTON, Julie resigneddirector
- 2025-09-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-09📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-09-04📄memorandum-articlesincorporation · MA
- 2025-09-04📄resolutionresolution · RESOLUTIONS
- 2025-09-04📄capital-name-of-class-of-sharescapital · SH08
- 2025-09-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-09-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-03📄capital-allotment-sharescapital · SH01
- 2025-06-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2012-03-16🏢Company incorporatedAs FRESH APPROACH FINANCIAL PLANNING LIMITED
- 2012-03-16➕URMSTON, Paul Raymond Frank appointeddirector
- 2012-03-16➕URMSTON, Julie appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
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 14 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanGroup structure
Urmston Asset Management Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Urmston Asset Management Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/10/2025 |
2 historic (ceased) PSCs
- Mr Paul Raymond Frank Urmstonceased 01/10/2025· 75-100% shares · 75-100% voting · board control
- Mrs Julie Urmstonceased 02/09/2025· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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| G & G PROPERTY VENTURES LTD→ 16976857 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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| GAINGELS UK LTD→ 13637375 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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 →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 · 1 resigned)
Click a director name to see their full track record across all companies.