ANDREW J PRATT FINANCIAL PLANNING LIMITED
🌳Matureactive
08813546 · ltd · incorporated 2013-12-13
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 Mar 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 78/100 (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: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (72/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
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
1 connected companies via shared directors
48
Filing history
29 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 |
|---|
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
0
filings
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-12-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-10-17📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-12-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-12-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-12-09📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-12-15📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-09-11📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-01-07📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-06-07📄change-person-director-company-with-change-dateofficers · CH01
- 2018-06-07📄change-person-director-company-with-change-dateofficers · CH01
- 2018-01-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-11-06📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-11-25📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-01-09📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-01-05📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-12-13🏢Company incorporatedAs ANDREW J PRATT FINANCIAL PLANNING LIMITED
- 2013-12-13➕PRATT, Andrew John appointeddirector
- 2013-12-13➕PRATT, Elaine Linda, Mrs. appointeddirector
Owner dependency
94/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "PRATT" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +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
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 13 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 Andrew John Pratt Individual · British · DOB 01/1967 · age 59 | — | — | 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
Active · Financial services · CF postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A D ASSET MANAGEMENT LTD→ 11532681 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| A.S MORTGAGE BROKER LTD→ 11918982 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| AJP FINANCIAL PLANNING SERVICES LIMITED→ 09476680 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| AJS WOOD LIMITED→ 10335738 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ALLIED AEROSYSTEMS TRUSTEES LIMITED→ 05220647 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| AMIFA FINANCIAL ENGINEERING LIMITED→ 09471574 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| APG FS LTD→ 13137061 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ARCHYTAS CORPORATE PLANNING LTD→ 11503541 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ARMS PARK FINANCIAL SERVICES LIMITED→ 03046890 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| ARNOLD RICHER, CURRAN LIMITED→ 01165875 · est 1974 · no financials extracted | — | — | — | — | 52y | — | — |
| ARROW MORTGAGES LTD→ 15190191 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ASHFIELD RISK TRANSFER SOLUTIONS LIMITED→ 10226137 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
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
Incorporated2013-12-13
Jurisdictionengland-wales
Primary SIC66290 — Other activities auxiliary to insurance and pension funding
Registered office
Ceredig House 6 Mount Stuart Square
Cardiff Bay
Cardiff
CF10 3EE
Wales
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-27
Last: 2025-12-13
Officers (2 active · 0 resigned)
PRATT, Andrew John→
Activedirector · ~59y · appointed 2013-12-13
View their other companies + combined net worth →
PRATT, Elaine Linda, Mrs.→
Activedirector · ~59y · appointed 2013-12-13
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (29 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-30
accounts-with-accounts-type-dormant
accounts · AA
2025-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-14
accounts-with-accounts-type-dormant
accounts · AA
2024-10-17
accounts-with-accounts-type-dormant
accounts · AA
2023-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-04
accounts-with-accounts-type-dormant
accounts · AA
2022-12-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-13
accounts-with-accounts-type-dormant
accounts · AA
2021-12-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-19
accounts-with-accounts-type-dormant
accounts · AA
2020-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-12-28
accounts-with-accounts-type-dormant
accounts · AA
2019-09-11
accounts-with-accounts-type-dormant
accounts · AA
2019-01-07