CREATIVE PENSION PLANNING LIMITED
🌳Matureactive
08343632 · ltd · incorporated 2012-12-31
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 79/100 (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 (73/100).
Data confidence
Overall: medium (79/100)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 (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
30 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
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 |
|---|---|---|
| Average employees | 2 | 200 |
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
0
filings
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
- 2026-01-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-08-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-09-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-09-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-10-08📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-09-06📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-09-04📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-09-14📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-09-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-01-08📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-11-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2015-09-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2012-12-31🏢Company incorporatedAs CREATIVE PENSION PLANNING LIMITED
- 2012-12-31➕ALB SECRETARIAL LTD appointedcorporate-secretary
- 2012-12-31➕BROWNLEE-JONES, Geoffrey Darin appointeddirector
- 2012-12-31➕BROWNLEE-JONES, Lindsay Jane appointeddirector
Owner dependency
74/100
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 61 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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 61. 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Geoffrey Darin Brownlee-Jones Individual · British · DOB 11/1965 · age 61 | — | — | sig. influencesignificant influence | 06/04/2016 |
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
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|---|---|---|---|---|---|---|---|
| ACORNS RISE LIMITED→ 16210061 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ASA MORTGAGES LTD→ 15626046 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| C D FINANCIAL LTD→ 08440585 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| CAMARA WOOD LIMITED→ 11444309 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CORRAN INVESTMENTS LIMITED→ 12272868 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| COVERWELL INSURANCE BROKERS LIMITED→ 11058099 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CREATIVE CLIENT SERVICES LIMITED→ 09801829 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CROFT & OAKES FINANCIAL PLANNERS LIMITED→ 09879146 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| DANJO & CO FINANCIAL LTD→ 11897233 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| DWEALTH LTD→ 12027547 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ER FINANCIAL LIMITED→ 15569386 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| FIONA KILBURN FINANCIAL ADVISOR LIMITED→ 08120288 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
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
Incorporated2012-12-31
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Exley House Arleston Manor Drive
Arleston
Telford
TF1 2NN
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-01-14
Last: 2025-12-31
Officers (3 active · 0 resigned)
ALB SECRETARIAL LTD→
Activecorporate-secretary · appointed 2012-12-31
View their other companies + combined net worth →
BROWNLEE-JONES, Geoffrey Darin→
Activedirector · ~61y · appointed 2012-12-31
View their other companies + combined net worth →
BROWNLEE-JONES, Lindsay Jane→
Activedirector · ~57y · appointed 2012-12-31
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (30 total)
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-01-08
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-24
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-09-26
accounts-with-accounts-type-dormant
accounts · AA
2023-08-29
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-04
accounts-with-accounts-type-dormant
accounts · AA
2022-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-31
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-04
accounts-with-accounts-type-dormant
accounts · AA
2020-10-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-01-10