CROSS BORDER FINANCIAL PLANNING LIMITED

🌳Matureactive
09955592 · ltd · incorporated 2016-01-18
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 Jan 2025
Net worth
£89.7k
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
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (73/100)

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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
Confirmed no charges registered
85
Directors & officers
6 officers (4 active, 6 linked, 5 with DOB)
87
Ownership & PSC
3 active PSC(s) of 4 total, 4 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
36 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.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £89,671

Key financials

1 year extracted from filed iXBRL accounts
Cash
—
Net Worth
£90k
Current Assets
£94k
Current Liabilities
—

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-01-29
Total assets£89.7k
Current assets£93.8k
Net assets£89.7k

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 (27 events)Click to expand
  1. 2025-11-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  2. 2025-10-29
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  3. 2025-10-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2025-10-17
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2025-09-02
    ➕
    COLES, Edward James Benjamin appointed
    director
  6. 2025-09-02
    ➕
    TEAGUE, Philip Richard Owen appointed
    director
  7. 2025-01-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2023-12-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2023-10-30
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  10. 2023-02-07
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2023-02-01
    ➖
    TEAGUE, Philip Richard Owen resigned
    director
  12. 2022-10-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2022-08-26
    ➕
    VIGOR HARDWICKE, Robert Lawrence appointed
    director
  14. 2022-08-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2021-10-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2021-03-25
    ➖
    HARDWICKE, Robert Lawrence resigned
    director
  17. 2021-03-25
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2021-03-25
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  19. 2021-01-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2020-09-25
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  21. 2020-01-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  22. 2019-10-30
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  23. 2019-08-23
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  24. 2016-05-01
    ➕
    TEAGUE, Philip Richard Owen appointed
    director
  25. 2016-01-18
    🏢
    Company incorporated
    As CROSS BORDER FINANCIAL PLANNING LIMITED
  26. 2016-01-18
    ➕
    HARDWICKE, Robert appointed
    secretary
  27. 2016-01-18
    ➕
    HARDWICKE, Robert Lawrence appointed
    director

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

40/100
Moderate signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.

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

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Rachel Hardwicke
Individual · British · DOB 08/1968 · age 58
25–50%
—25-50% shares06/04/2017
Mrs Hannah Teague
Individual · British · DOB 09/1967 · age 59
25–50%
—25-50% shares06/04/2017
Mr Philip Richard Owen Teague
Individual · British · DOB 06/1979 · age 47
25–50%
—25-50% shares04/11/2016
1 historic (ceased) PSC
  • Mr Robert Lawrence Hardwickeceased 25/03/2021· 25-50% 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.

See pricing →

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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 →
🔒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
Incorporated2016-01-18
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Suite 1 6 Union Road
Chippenham
Wilts
SN15 1HW
England

Filing status

Accounts
Next due: 2026-10-29
Last made up to: 2025-01-29
Confirmation statement
Next due: 2026-07-18
Last: 2025-07-04

Officers (4 active · 2 resigned)

HARDWICKE, Robert→
secretary · appointed 2016-01-18
View their other companies + combined net worth →
Active
COLES, Edward James Benjamin→
director · ~35y · appointed 2025-09-02
View their other companies + combined net worth →
Active
TEAGUE, Philip Richard Owen→
director · ~47y · appointed 2025-09-02
View their other companies + combined net worth →
Active
VIGOR HARDWICKE, Robert Lawrence→
director · ~59y · appointed 2022-08-26
View their other companies + combined net worth →
Active
HARDWICKE, Robert Lawrence→
director · ~59y · appointed 2016-01-18 · resigned 2021-03-25
Resigned
TEAGUE, Philip Richard Owen→
director · ~47y · appointed 2016-05-01 · resigned 2023-02-01
Resigned

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

Recent filings (36 total)

appoint-person-director-company-with-name-date
officers · AP01
2025-11-06
accounts-amended-with-accounts-type-micro-entity
accounts · AAMD
2025-10-29
accounts-with-accounts-type-micro-entity
accounts · AA
2025-10-20
appoint-person-director-company-with-name-date
officers · AP01
2025-10-17
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-16
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-10
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-29
change-account-reference-date-company-previous-shortened
accounts · AA01
2023-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-21
termination-director-company-with-name-termination-date
officers · TM01
2023-02-07
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-30
appoint-person-director-company-with-name-date
officers · AP01
2022-08-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-14
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-30