CHEAM FINANCIAL PLANNING LTD

💤Zombieactive
08148337 · ltd · incorporated 2012-07-18
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 Jul 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66220Activities of insurance agents and brokers
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. 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.

Company profile
address, 2 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 (1 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
42 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£0Jul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
Average employees100100

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

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2026-05-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-05-29
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2025-03-05
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2024-05-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2023-04-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-04-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-02-26
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  9. 2022-02-22
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  10. 2021-04-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2021-02-26
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2020-02-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-03-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2018-03-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2017-04-21
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2012-11-23
    ➖
    ABBOTT, Mark Jason resigned
    director
  17. 2012-10-31
    ➕
    PHILLIPS, Mark appointed
    director
  18. 2012-10-12
    ➕
    ABBOTT, Mark Jason appointed
    director
  19. 2012-10-12
    ➖
    ABBOTT, Mark Jason resigned
    director
  20. 2012-07-18
    🏢
    Company incorporated
    As CHEAM FINANCIAL PLANNING LTD
  21. 2012-07-18
    ➕
    ABBOTT, Mark Jason appointed
    director

Owner dependency

75/100
High — earn-out structure required

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

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

58/100
Strong succession signal

Multiple 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 14 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 Mark Phillips
Individual · British · DOB 08/1972 · age 54
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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

Similar companies

Active · Financial services · SM postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
AAREEN CONSULTING LIMITED→
09647610 · est 2015 · no financials extracted
————10y——
ALMY INVESTMENT LTD→
11300933 · est 2018 · no financials extracted
————8y——
ARBE SOLUTIONS LTD→
12191394 · est 2019 · no financials extracted
————6y——
AU MOTORS LTD→
14695906 · est 2023 · no financials extracted
————3y——
BHARATI LTD→
01620412 · est 1982 · no financials extracted
————44y——
BIZ SAFETY LTD→
13198947 · est 2021 · no financials extracted
————5y——
CALVER GROOM LIMITED→
05876107 · est 2006 · no financials extracted
————19y——
CAMBRIDGE FRONTIER CAPITAL LIMITED→
12751289 · est 2020 · no financials extracted
————5y——
CIRCULAR INVESTMENTS LIMITED→
16776634 · est 2025 · no financials extracted
———————
CITY METALLIC LTD→
16390718 · est 2025 · no financials extracted
————1y——
COLTON EDWARDS LIMITED→
10110004 · est 2016 · no financials extracted
————10y——
COMMERCIAL INSURANCE SERVICES LIMITED→
03364024 · est 1997 · no financials extracted
————28y——
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
Incorporated2012-07-18
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Oru
7 Throwley Way - Oru
Sutton
SM1 4AF
England

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-04-12
Last: 2026-03-29

Officers (1 active · 2 resigned)

PHILLIPS, Mark→
director · ~54y · appointed 2012-10-31
View their other companies + combined net worth →
Active
ABBOTT, Mark Jason→
director · ~54y · appointed 2012-10-12 · resigned 2012-11-23
Resigned
ABBOTT, Mark Jason→
director · ~54y · appointed 2012-07-18 · resigned 2012-10-12
Resigned

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

Recent filings (42 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-29
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-30
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-03-05
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-06
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-19
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-14
gazette-filings-brought-up-to-date
gazette · DISS40
2022-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-25
gazette-notice-compulsory
gazette · GAZ1
2022-02-22