ART OF FINANCIAL PLANNING LIMITED
🌳Matureactive
08564530 · ltd · incorporated 2013-06-11
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 10.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Fund management activities
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 73/100 (strong), bankability 85/100. 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).
🏦
Refinance opportunity
3 live charges · oldest 10.0y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
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
77
Few red flags.
Signal strength
100
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 | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 900 | 1000 |
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
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-12-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-16📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-16📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-20📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2024-02-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-31📄change-person-director-company-with-change-dateofficers · CH01
- 2022-05-31📄change-person-director-company-with-change-dateofficers · CH01
- 2021-12-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-05-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-05-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-05-13🔓Charge satisfied #3
- 2021-05-13🔓Charge satisfied #2
- 2021-05-13🔓Charge satisfied #1
- 2021-02-18📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2021-02-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-02-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-11-05📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-08-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-05-31🔒Charge registered #3Lender: National Westminster Bank PLC
- 2016-06-22🔒Charge registered #2Lender: National Westminster Bank PLC
- 2016-05-27🔒Charge registered #1Lender: National Westminster Bank PLC
- 2014-06-12➕CHANDREJA, Jasmeet Kaur appointeddirector
- 2013-06-11🏢Company incorporatedAs ART OF FINANCIAL PLANNING LIMITED
- 2013-06-11➕CHANDREJA, Karan Kamal 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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
49/100
Moderate signalSome 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 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Karan Kamal Chandreja Individual · British · DOB 11/1984 · age 42 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Jasmeet Kaur Chandreja Individual · British · DOB 02/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 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
Active · Financial services · SL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1313 VENTURES LTD→ 15471449 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| A CHANDLER TRADING LIMITED→ 16725420 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABCORD LIMITED→ 14579795 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ACFC HOLDINGS LTD→ 16293722 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AGIPRO LTD→ 12819617 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AL RAYAZ INVESTMENT & FINANCIAL MANAGEMENT SERVICES LTD→ 14881620 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ALAN PARKER CONSORTIUM LTD→ 14035785 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ALEXANDER GRAHAM ASSOCIATES LIMITED→ 10817794 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ALKASIRI PROPERTIES LTD→ 16430462 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALLIED FINANCIAL GROUP LTD→ 16311662 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ARTHA VENTURES LIMITED→ 13688611 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ASCOT EBT LTD→ 16949189 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2013-06-11
Jurisdictionengland-wales
Primary SIC66300 — Fund management activities
Registered office
9 Lake End Court
Taplow Road
Taplow
Buckinghamshire
SL6 0JQ
England
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-06-25
Last: 2025-06-11
Officers (2 active · 0 resigned)
CHANDREJA, Jasmeet Kaur→
Activedirector · ~46y · appointed 2014-06-12
View their other companies + combined net worth →
CHANDREJA, Karan Kamal→
Activedirector · ~42y · appointed 2013-06-11
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 31/05/2017 | 13/05/2021 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 22/06/2016 | 13/05/2021 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 27/05/2016 | 13/05/2021 |
Recent filings (49 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-12
change-person-director-company-with-change-date
officers · CH01
2025-10-16
change-person-director-company-with-change-date
officers · CH01
2025-10-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-26
change-sail-address-company-with-old-address-new-address
address · AD02
2024-06-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-14
change-person-director-company-with-change-date
officers · CH01
2022-05-31
change-person-director-company-with-change-date
officers · CH01
2022-05-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-14
confirmation-statement-with-updates
confirmation-statement · CS01
2021-06-15