ADVOCATE FINANCIAL PLANNING LTD

🌳Matureactive
09297280 · ltd · incorporated 2014-11-05
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 Oct 2024
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: Financial intermediation not elsewhere classified
Sector: Financial & insurance
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. 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, 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
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
Network not yet resolved
30
Filing history
23 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£0Oct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-10-312023-10-31
Average employees200200

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 (16 events)Click to expand
  1. 2025-07-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-07-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-07-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-07-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-07-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2020-10-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2019-07-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2018-07-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2017-07-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  10. 2016-07-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  11. 2015-12-11
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  12. 2015-04-27
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  13. 2014-11-05
    🏢
    Company incorporated
    As ADVOCATE FINANCIAL PLANNING LTD
  14. 2014-11-05
    ➕
    HOLLEY, Joanne appointed
    director
  15. 2014-11-05
    ➕
    ROBERTS, Gareth appointed
    director
  16. 2014-11-05
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

63/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

41/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • 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

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Gareth Roberts
Individual · British · DOB 07/1969 · age 57
50–75%
50–75%board controlsig. influence50-75% shares · 50-75% voting · board control · significant influence · firm interest06/04/2016
Miss Joanne Holley
Individual · British · DOB 05/1975 · age 51
25–50%
25–50%board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence · firm interest06/04/2016

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

Similar companies

Active · Financial services · LL postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
2 & 4 INVESTMENTS LIMITED→
13661526 · est 2021 · no financials extracted
————4y——
360 DATA SERVICES LTD→
06900514 · est 2009 · no financials extracted
————16y——
5PLUS INT. TRADING LTD→
10307417 · est 2016 · no financials extracted
————9y——
75POINT3 LIMITED→
04493724 · est 2002 · no financials extracted
————23y——
75POINT3@WILLIAMSDENTON LTD→
04499050 · est 2002 · no financials extracted
————23y——
A1 QUANTUM ENERGY LTD→
09388465 · est 2015 · no financials extracted
————11y——
ABERGELE INSURANCE CONSULTANTS LIMITED→
06425351 · est 2007 · no financials extracted
————18y——
ADAM JAMES FINANCIAL SOLUTIONS LIMITED→
05418812 · est 2005 · no financials extracted
————21y——
ADVENTURE & EXPEDITION LTD→
11785898 · est 2019 · no financials extracted
————7y——
ADVISER SOLUTIONS LTD→
09083665 · est 2014 · no financials extracted
————11y——
AKS FINANCIAL CONSULTANCY LIMITED→
07996590 · est 2012 · no financials extracted
————14y——
ALCOCK JONES FINANCIAL PLANNING LIMITED→
03164040 · est 1996 · no financials extracted
————30y——
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
Incorporated2014-11-05
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Tudor Cottage
Allt Goch
St. Asaph
Denbighshire
LL17 0BW

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-11-19
Last: 2025-11-05

Officers (2 active · 0 resigned)

HOLLEY, Joanne→
director · ~51y · appointed 2014-11-05
View their other companies + combined net worth →
Active
ROBERTS, Gareth→
director · ~57y · appointed 2014-11-05
View their other companies + combined net worth →
Active

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

Recent filings (23 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-12
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-20
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-21
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-21
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-16
accounts-with-accounts-type-micro-entity
accounts · AA
2021-07-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-06
accounts-with-accounts-type-micro-entity
accounts · AA
2020-10-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-11-21
accounts-with-accounts-type-micro-entity
accounts · AA
2019-07-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2018-11-20