ASCENT FINANCIAL PLANNING LIMITED
🏛️Establishedactive
11326329 · ltd · incorporated 2018-04-24
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
—
book net assets
Opportunity
73/100
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 bankable structure.
Opportunity 73/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 0.2y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.2 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (4 active, 6 linked, 6 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
30 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Average employees | 700 | 700 |
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
7
filings
- • 3 officers
- • 1 confirmation-statement
- • 1 persons-with-significant-control
Last 180 days
7
filings
- • 3 officers
- • 1 confirmation-statement
- • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2026-04-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-23📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-04-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-04-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-02➕LLOYD JONES, Delyth appointeddirector
- 2026-04-02➕RIDINGS, Chloe Nicole appointeddirector
- 2026-04-02➖LYTH, Gaynor Valerie resigneddirector
- 2026-04-01🔒Charge registered #1Lender: Quilter Financial Planning Limited
- 2026-03-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-24📄miscellaneousmiscellaneous · MISC
- 2024-04-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-03✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2023-03-01➕RIDINGS, John James appointeddirector
- 2023-03-01📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-03-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-03-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-02-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-12➖LYTH, Stephen David resigneddirector
- 2022-07-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-09-01➕LLOYD JONES, Gwilym Alexander appointeddirector
- 2018-04-24🏢Company incorporatedAs ASCENT FINANCIAL PLANNING LIMITED
- 2018-04-24➕LYTH, Gaynor Valerie appointeddirector
- 2018-04-24➕LYTH, Stephen David appointeddirector
Owner dependency
48/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
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
Ascent Financial Planning Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Ascent Financial Planning Holdings Limited
Corporate parent · holds 75-100% shares
⬇
ASCENT FINANCIAL PLANNING LIMITED
This company · 11326329
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 |
|---|---|---|---|---|
Ascent Financial Planning Holdings Limited Corporate entity | 75–100% | — | 75-100% shares | 01/03/2023 |
2 historic (ceased) PSCs
- Mrs Gaynor Valerie Lythceased 02/04/2026· 25-50% shares · 25-50% voting
- Mr Stephen David Lythceased 01/03/2023· 25-50% shares · 25-50% voting
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 →Similar companies
Active · Financial services · LL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 5PLUS INT. TRADING LTD→ 10307417 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ADAM JAMES FINANCIAL SOLUTIONS LIMITED→ 05418812 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| ANGELS INVEST WALES LIMITED→ 04601844 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ARRAN FINANCE LIMITED→ 03371820 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| BANKS CLAIMS GROUP LIMITED→ 11609019 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BATEMAN JARVIS LIMITED→ 04635513 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| BELGRAVE WINCHAM LIMITED→ 12167416 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BILLINGTON TRADING LIMITED→ 16409868 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BRODYR HOMES LTD→ 16573765 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BYNIRI LTD→ 14005325 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| CAPE WRATH CAPITAL LIMITED→ 09448421 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| CARL HIGHAM FINANCIAL PLANNING LTD→ 10068797 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
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
Incorporated2018-04-24
Jurisdictionwales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
93 Bowen Court St. Asaph Business Park
St. Asaph
LL17 0JE
United Kingdom
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-05-07
Last: 2026-04-23
Officers (4 active · 2 resigned)
LLOYD JONES, Delyth→
Activedirector · ~43y · appointed 2026-04-02
View their other companies + combined net worth →
LLOYD JONES, Gwilym Alexander→
Activedirector · ~40y · appointed 2020-09-01
View their other companies + combined net worth →
RIDINGS, Chloe Nicole→
Activedirector · ~34y · appointed 2026-04-02
View their other companies + combined net worth →
RIDINGS, John James→
Activedirector · ~40y · appointed 2023-03-01
View their other companies + combined net worth →
LYTH, Gaynor Valerie→
Resigneddirector · ~63y · appointed 2018-04-24 · resigned 2026-04-02
LYTH, Stephen David→
Resigneddirector · ~66y · appointed 2018-04-24 · resigned 2022-07-12
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Quilter Financial Planning Quilter Financial Planning Limited | A registered charge | 1 property | 01/04/2026 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (30 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-24
appoint-person-director-company-with-name-date
officers · AP01
2026-04-24
appoint-person-director-company-with-name-date
officers · AP01
2026-04-24
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-04-23
termination-director-company-with-name-termination-date
officers · TM01
2026-04-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-26
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-06
miscellaneous
miscellaneous · MISC
2025-01-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-23
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-28
certificate-change-of-name-company
change-of-name · CERTNM
2023-03-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-03-01