CLEAR CUT FINANCIAL PLANNING LIMITED
🌳Matureactive
08116449 · ltd · incorporated 2012-06-22
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 6.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£39.7k
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with exceptional profile and bankable structure.
Opportunity 80/100 (exceptional), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
2 live charges · oldest 6.0y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 6.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
42 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
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £39,745
Net assets shrinking
Down £37,130 YoY
Cash YoY
+53%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£65k
↑ 53% YoY
Net Worth
£40k
↓ 48% YoY
Current Assets
£101k
↓ 22% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £85.0k | £148.7k |
| Current assets | £100.7k | £130.0k |
| Cash | £65.4k | £42.8k |
| Debtors | £35.4k | £87.2k |
| Net assets | £39.7k | £76.9k |
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
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2025-09-17📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-03📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-02-03➕OWEN, Adam John appointeddirector
- 2024-09-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-07-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-01-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-04-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-09-23📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-10-04📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-07-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-07-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-07-14🔒Charge registered #2Lender: Santander UK PLC (Crn: 2294747)
- 2020-07-14🔒Charge registered #1Lender: Santander UK PLC (Crn: 2294747)
- 2019-09-04📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-08-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-02-16📄capital-name-of-class-of-sharescapital · SH08
- 2018-02-16📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2012-06-22🏢Company incorporatedAs CLEAR CUT FINANCIAL PLANNING LIMITED
- 2012-06-22➕GOW, Jane Elizabeth appointeddirector
Owner dependency
71/100
High — earn-out structure requiredMaterial 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.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +No director turnover: Company is 14 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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
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 |
|---|---|---|---|---|
Mrs Jane Elizabeth Gow Individual · British · DOB 02/1967 · age 59 | 50–75% | 75–100% | 75-100% shares · 75-100% voting | 22/06/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒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 →Similar companies
Active · Financial services · CH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BROOKDALE IFP LIMITED→ 07954757 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| BROOM INVESTMENT SOLUTIONS LTD→ 09189511 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| CARTWRIGHT FIC LIMITED→ 15266328 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CASHIN GREEN COMMERCIAL SERVICES LTD→ 16123332 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CHESTERTON GRANT FINANCIAL SOLUTIONS LIMITED→ 13465561 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| CHESTERTON GRANT MORTGAGES LTD.→ 04232613 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| CHILL PROPERTY SERVICES LIMITED→ 12567927 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| CHILTON FINANCE LIMITED→ 13930846 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CLARK MORTGAGES LTD→ 14488600 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CLEVER BRICK FINANCE LIMITED→ 11914706 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| CLEVER INVESTMENT MANAGEMENT LTD→ 13850171 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CLICKERY FINANCIAL LTD→ 09567017 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
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
Incorporated2012-06-22
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Longview House Inglewood Manor
Badgers Rake Lane
Ledsham
Cheshire
CH66 8PF
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-06-09
Last: 2026-05-26
Officers (2 active · 0 resigned)
GOW, Jane Elizabeth→
Activedirector · ~59y · appointed 2012-06-22
View their other companies + combined net worth →
OWEN, Adam John→
Activedirector · ~53y · appointed 2025-02-03
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Santander Santander UK PLC (Crn: 2294747) | A registered charge | — | 14/07/2020 | — | |
| outstanding | Santander Santander UK PLC (Crn: 2294747) | A registered charge | 1 property | 14/07/2020 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (42 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-22
change-person-director-company-with-change-date
officers · CH01
2025-09-17
appoint-person-director-company-with-name-date
officers · AP01
2025-09-16
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-09-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-09-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-07-01
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-01
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-09-29
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-01-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-21
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-04-26
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-09-23
confirmation-statement-with-updates
confirmation-statement · CS01
2021-06-23