ADVICE 4U FINANCIAL PLANNING LTD
Opportunity 75/100 (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).
Refinance opportunity
2 live charges · 2 lenders · oldest 4.0y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~4.0 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-09-30 | 2023-09-30 |
|---|---|---|
| Total assets | £60.7k | £30.8k |
| Current assets | £43.6k | £41.6k |
| Cash | £8.7k | £8.4k |
| Debtors | £34.9k | £33.3k |
| Net assets | £31.9k | £30.8k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 mortgage
- • 1 accounts
Corporate timeline (27 events)Click to expand
- 2026-03-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-05🔓Charge satisfied #1
- 2025-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-03📄gazette-filings-brought-up-to-dategazette · DISS40
- 2025-12-02📄gazette-notice-compulsorygazette · GAZ1
- 2025-03-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-03-17📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-23🔒Charge registered #2Lender: Bcrs Business Loans Limited
- 2023-06-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-26📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-04-26📄change-person-director-company-with-change-dateofficers · CH01
- 2023-04-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-06-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-06-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-06-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-06-09➕WILLIAMS, Jason Paul appointeddirector
- 2022-06-09➖RAYER, Michael Antony Howard resigneddirector
- 2022-06-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2022-06-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-06-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-06-09🔒Charge registered #1Lender: Michael Rayer
- 2015-01-20🏢Company incorporatedAs ADVICE 4U FINANCIAL PLANNING LTD
- 2015-01-20➕RAYER, Michael Antony Howard appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanGroup structure
Ruby Financial Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ruby Financial Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 09/06/2022 |
1 historic (ceased) PSC
- Mr Michael Antony Howard Rayerceased 09/06/2022· significant influence · firm interest
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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
Registered office
Filing status
Officers (1 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Bcrs Business Loans Bcrs Business Loans Limited | A registered charge | — | 23/01/2024 | — | |
| satisfied | Michael Rayer | A registered charge | — | 09/06/2022 | 05/03/2026 |