FIDELIUM FINANCIAL PLANNERS LIMITED
🌳Matureactive
09548030 · ltd · incorporated 2015-04-17
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
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 79/100 (strong), bankability 67/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
3 live charges · 3 lenders · oldest 2.2y
0/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 2.2 years old — likely still in initial term.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)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
No iXBRL financials extracted
0
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 5 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
12 connected companies via shared directors
81
Filing history
59 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
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
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 officers
Last 180 days
8
filings
- • 2 officers
- • 2 accounts
- • 2 other
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
- 2026-05-26📄replacement-filing-of-director-appointment-with-nameofficers · RP01AP01
- 2026-04-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-31➕NKOANE, Rebecca appointeddirector
- 2026-01-13📄resolutionresolution · RESOLUTIONS
- 2026-01-13📄memorandum-articlesincorporation · MA
- 2026-01-05📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2026-01-05📄legacyaccounts · PARENT_ACC
- 2026-01-05📄legacyother · GUARANTEE2
- 2026-01-05📄legacyother · AGREEMENT2
- 2025-12-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-22🔒Charge registered #3Lender: Tc Loans Limited (As Trustee for the Secured Parties)
- 2025-05-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-04-07➖STOKES, Paul Mark resigneddirector
- 2024-12-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-30➕STOKES, Paul Mark appointeddirector
- 2024-11-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-06-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-06-07📄change-person-director-company-with-change-dateofficers · CH01
- 2024-06-07📄change-person-director-company-with-change-dateofficers · CH01
- 2024-05-21📄memorandum-articlesincorporation · MA
- 2024-05-21📄resolutionresolution · RESOLUTIONS
- 2024-05-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-05-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-03➕RHODES, Richard John appointeddirector
- 2024-05-03➖NKOANE, Rebecca resigneddirector
- 2024-05-03🔒Charge registered #2Lender: Rockpool (Security Trustee) Limited
- 2024-05-03🔒Charge registered #1Lender: Tc Loans Limited Acting as the Security Trustee of the Secured Parties
- 2023-08-11📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-12-05➕NKOANE, Rebecca appointeddirector
- 2015-04-17🏢Company incorporatedAs FIDELIUM FINANCIAL PLANNERS LIMITED
- 2015-04-17➕BROWN, Sarah Denise appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- 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.)
Group structure
Fidelium Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Fidelium Limited
Corporate parent · holds 75-100% shares · board control
⬇
FIDELIUM FINANCIAL PLANNERS LIMITED
This company · 09548030
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 |
|---|---|---|---|---|
Fidelium Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 26/11/2021 |
1 historic (ceased) PSC
- Ms Sarah Denise Brownceased 26/11/2021· 75-100% shares
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.
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|---|---|---|---|---|---|---|---|
| ASE INTERNATIONAL LTD→ 11841295 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| GO GLOBAL MARKETS LTD→ 16526662 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GRANTA CROWN LIMITED→ 16458894 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HAMMOND’S MORTGAGE SERVICES LIMITED→ 06251076 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| J3 ENTERPRISES LIMITED→ 16329200 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| JL MORTGAGE SOLUTIONS LTD→ 11307742 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| KENTINGS FINANCIAL SERVICES LTD→ 13509510 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| KMGEY LTD→ 15162311 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| KNIGHTS END FINANCIAL ADMINISTRATION LIMITED→ 09230959 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| LAETITIA'S AND COMPANY LIMITED→ 16862302 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| LAND PRIME CS LTD→ 16376652 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| LATITUDE WEALTH STRATEGIES LIMITED→ 15863864 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2015-04-17
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
C/O Windsor House, Station Court Station Road
Great Shelford
Cambridge
CB22 5NE
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-10-14
Last: 2025-09-30
Officers (3 active · 2 resigned)
BROWN, Sarah Denise→
Activedirector · ~60y · appointed 2015-04-17
View their other companies + combined net worth →
NKOANE, Rebecca→
Activedirector · ~52y · appointed 2026-03-31
View their other companies + combined net worth →
RHODES, Richard John→
Activedirector · ~58y · appointed 2024-05-03
View their other companies + combined net worth →
NKOANE, Rebecca→
Resigneddirector · ~52y · appointed 2019-12-05 · resigned 2024-05-03
STOKES, Paul Mark→
Resigneddirector · ~51y · appointed 2024-11-30 · resigned 2025-04-07
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
3
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Tc Loans (As Trustee for the Secured Parties) Tc Loans Limited (As Trustee for the Secured Parties) | A registered charge | 1 property | 22/12/2025 | — | |
| outstanding | Rockpool (Security Trustee) Rockpool (Security Trustee) Limited | A registered charge | — | 03/05/2024 | — | |
| outstanding | Tc Loans Acting as the Security Trustee of the Secured Parties Tc Loans Limited Acting as the Security Trustee of the Secured Parties | A registered charge | 1 property | 03/05/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (59 total)
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2026-05-26
appoint-person-director-company-with-name-date
officers · AP01
2026-04-01
resolution
resolution · RESOLUTIONS
2026-01-13
memorandum-articles
incorporation · MA
2026-01-13
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2026-01-05
legacy
accounts · PARENT_ACC
2026-01-05
legacy
other · GUARANTEE2
2026-01-05
legacy
other · AGREEMENT2
2026-01-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-23
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-07
termination-director-company-with-name-termination-date
officers · TM01
2025-05-29
appoint-person-director-company-with-name-date
officers · AP01
2024-12-11
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-11-28
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-07
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-06-07