BOB GIBBS FINANCIAL PLANNING LIMITED

🌳Matureactive
09432001 · ltd · incorporated 2015-02-10
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
—
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Turnover
—
year to Feb 2026
Net worth
—
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 65110Life insurance
  • 66220Activities of insurance agents and brokers
Investor take
Pursue
Strong 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 (78/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 3 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
27 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

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Feb 2025Feb 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-02-282025-02-28
Average employees300300

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
  1. 2026-03-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-03-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-03-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-11-27
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  5. 2023-05-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-04-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-04-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-11-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2020-04-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2019-03-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2018-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2017-04-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2017-02-13
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2017-02-01
    ➕
    GIBBS, Samantha appointed
    director
  15. 2016-04-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2015-02-10
    🏢
    Company incorporated
    As BOB GIBBS FINANCIAL PLANNING LIMITED
  17. 2015-02-10
    ➕
    GIBBS, Robert James appointed
    director

Owner dependency

94/100
Critical — business is the founder

The 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 "GIBBS" — strong identity link between founder and business.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

51/100
Moderate signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • 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
Mrs Samantha Gibbs
Individual · British · DOB 01/1968 · age 58
25–50%
—25-50% shares06/04/2016
Mr Robert James Gibbs
Individual · British · DOB 04/1972 · age 54
25–50%
—25-50% shares06/04/2016

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

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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 →
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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.

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Company details

Statusactive
Typeltd
Incorporated2015-02-10
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

15 Heston Walk
Oxley Park
Milton Keynes
MK4 4JP
England

Filing status

Accounts
Next due: 2027-11-30
Last made up to: 2026-02-28
Confirmation statement
Next due: 2026-07-21
Last: 2025-07-07

Officers (2 active · 0 resigned)

GIBBS, Robert James→
director · ~54y · appointed 2015-02-10
View their other companies + combined net worth →
Active
GIBBS, Samantha→
director · ~58y · appointed 2017-02-01
View their other companies + combined net worth →
Active

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

Recent filings (27 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-09
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-09
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-13
certificate-change-of-name-company
change-of-name · CERTNM
2023-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-13
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-07
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-07
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-11-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-01