DGM FINANCIAL PLANNING LTD

🌳Matureactive

09774489 · ltd · incorporated 2015-09-14

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 Sept 2025

Net worth

—

book net assets

Opportunity

74/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

ALSO REGISTERED FOR

66190Other activities auxiliary to financial services, except insurance and pension funding
66290Other activities auxiliary to insurance and pension funding

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 (79/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

29 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

74/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-09-30	2024-09-30
Average employees	200	200

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (19 events)Click to expand

2025-11-27
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-04
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-22
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-05
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-01-10
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-01-10
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-08-15
📄
change-person-director-company-with-change-date
officers · CH01
2018-08-15
📄
change-person-director-company-with-change-date
officers · CH01
2018-08-15
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2018-08-15
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2018-08-15
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2018-04-19
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2017-09-25
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2017-05-23
📄
accounts-with-accounts-type-dormant
accounts · AA
2017-03-01
➕
MAKIN, Nicola appointed
director
2015-09-14
🏢
Company incorporated
As DGM FINANCIAL PLANNING LTD
2015-09-14
➕
MAKIN, David Graham appointed
director

Owner dependency

71/100

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.
+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

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 · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr David Graham Makin Individual · British · DOB 04/1978 · age 48	75–100%	—	75-100% shares	06/04/2016
Mrs Nicola Makin Individual · British · DOB 11/1973 · age 53	25–50%	25–50%	25-50% shares · 25-50% voting	05/06/2017

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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Similar companies

Active · Financial services · LA postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
AB FINANCIAL LTD→ 16999419 · est 2026 · no financials extracted	—	—	—	—	—	—	—
ALZOL LIMITED→ 16209563 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
BOWLAND FINANCE LIMITED→ 12324302 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
BRATHAY INVESTMENTS LIMITED→ 13483414 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
CASTLE LOCH LTD.→ 15151195 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
CFS MORTGAGE SPECIALISTS LIMITED→ 15623052 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
CJT FINANCIAL PLANNING LTD→ 06969421 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
DAVID ARMSTRONG LTD→ 05667999 · est 2006 · no financials extracted	—	—	—	—	20y	—	—
DAVID HOPKINSON IFA LTD→ 07212481 · est 2010 · no financials extracted	—	—	—	—	16y	—	—
DAVID ROSE FINANCE LTD→ 16064642 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
DMCT INVESTMENTS LTD→ 17045193 · est 2026 · no financials extracted	—	—	—	—	—	—	—
EDEN MORTGAGES AND PROTECTION LIMITED→ 14603188 · est 2023 · no financials extracted	—	—	—	—	3y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2015-09-14

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

8 Hatlex Drive

Hest Bank

Lancaster

Lancashire

LA2 6HA

England

Filing status

Accounts

Next due: 2027-06-30

Last made up to: 2025-09-30

Confirmation statement

Next due: 2026-09-27

Last: 2025-09-13

Officers (2 active · 0 resigned)

MAKIN, David Graham→

director · ~48y · appointed 2015-09-14

View their other companies + combined net worth →

Active

MAKIN, Nicola→

director · ~53y · appointed 2017-03-01

View their other companies + combined net worth →

Active

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