ADVICE MATTERS FINANCIAL PLANNING LTD

💤Zombieactive
10658430 · ltd · incorporated 2017-03-08
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2026
Net worth
£84.2k
book net assets
Opportunity
76/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 65-year-old founder — textbook succession opportunity.

Opportunity 76/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 65). 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: share sale to pe / searcher (73/100).

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 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
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
31 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
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 £84,214

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£84k
↑ 12% YoY
Current Assets
£111k
↑ 10% YoY
Current Liabilities
—
£0£22k£45k£67k£89k£111kMar 2025Mar 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2026-03-312025-03-31
Total assets£86.9k£77.5k
Current assets£111.3k£100.8k
Net assets£84.2k£74.9k

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
1
filing
  • • 1 accounts
Last 90 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2026-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-06-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-06-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-05-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-05-04
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2022-05-04
    📄
    change-person-director-company-with-change-date
    officers · CH01
  8. 2022-05-04
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2021-07-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-04-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-05-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-03-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2019-03-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2019-03-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  15. 2019-03-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2019-03-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2019-03-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2017-03-08
    🏢
    Company incorporated
    As ADVICE MATTERS FINANCIAL PLANNING LTD
  19. 2017-03-08
    ➕
    WHEATMAN, Christopher Ian appointed
    director

Owner dependency

95/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Founder age: Director aged approximately 65 — succession pressure is live.
  • +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

65/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Christopher Ian Wheatman
Individual · British · DOB 06/1961 · age 65
75–100%
75–100%board control75-100% shares · 75-100% voting · board control08/03/2017

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.

See pricing →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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
Incorporated2017-03-08
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

14 Beech Hill
Otley
West Yorkshire
LS21 3AX
England

Filing status

Accounts
Next due: 2027-12-31
Last made up to: 2026-03-31
Confirmation statement
Next due: 2027-03-21
Last: 2026-03-07

Officers (1 active · 0 resigned)

WHEATMAN, Christopher Ian→
director · ~65y · appointed 2017-03-08
View their other companies + combined net worth →
Active

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

Recent filings (31 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-19
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-03
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-19
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-17
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-05-04
change-person-director-company-with-change-date
officers · CH01
2022-05-04
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-05-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-10