CELTIC FINANCIAL PLANNING LTD

🏛️Establishedactive
11333705 · ltd · incorporated 2018-04-27
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
—
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Turnover
—
year to Mar 2025
Net worth
£108.7k
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 77/100 (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 (73/100).

Data confidence

Overall: medium (71/100)

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
5 officers (3 active, 5 linked, 3 with DOB)
82
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
75
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 · accounting standard not declared
Positive net assets
Net assets £108,655

Key financials

1 year extracted from filed iXBRL accounts
Cash
£84k
Net Worth
£109k
Current Assets
£146k
Current Liabilities
—

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-31
Total assets£142.1k
Current assets£146.2k
Cash£84.3k
Debtors£44.5k
Net assets£108.7k

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

🔒Filing-note intelligence

2 signals 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
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2025-12-05
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  2. 2025-11-19
    📄
    resolution
    resolution · RESOLUTIONS
  3. 2025-10-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-04-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2025-03-31
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  6. 2025-03-25
    ➕
    DALE, Nykki appointed
    director
  7. 2025-03-25
    ➖
    DALE, Nykki resigned
    director
  8. 2024-07-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2023-08-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-09-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-02-05
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2021-08-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2021-03-31
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  14. 2021-03-31
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  15. 2020-11-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2020-08-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  17. 2020-01-30
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  18. 2019-12-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2019-12-20
    ➕
    LEWIS, Sandra Jean appointed
    secretary
  20. 2019-12-20
    ➖
    DALE, Mandy Rayner resigned
    secretary
  21. 2019-11-15
    ➕
    LEWIS, Robert George appointed
    director
  22. 2018-04-27
    🏢
    Company incorporated
    As CELTIC FINANCIAL PLANNING LTD
  23. 2018-04-27
    ➕
    DALE, Mandy Rayner appointed
    secretary
  24. 2018-04-27
    ➕
    DALE, Nykki appointed
    director

Owner dependency

66/100
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.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

56/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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 Robert George Lewis
Individual · British · DOB 06/1987 · age 39
75–100%
75–100%75-100% shares · 75-100% voting30/01/2020
1 historic (ceased) PSC
  • Stephen Nigel Daleceased 31/03/2021· 25-50% shares · 25-50% voting · board control

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
Incorporated2018-04-27
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Florence House
Bromfield Lane
Mold
Flintshire
CH7 1JW
Wales

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-14
Last: 2026-03-31

Officers (3 active · 2 resigned)

LEWIS, Sandra Jean→
secretary · appointed 2019-12-20
View their other companies + combined net worth →
Active
DALE, Nykki→
director · ~64y · appointed 2025-03-25
View their other companies + combined net worth →
Active
LEWIS, Robert George→
director · ~39y · appointed 2019-11-15
View their other companies + combined net worth →
Active
DALE, Mandy Rayner→
secretary · appointed 2018-04-27 · resigned 2019-12-20
Resigned
DALE, Nykki→
director · ~64y · appointed 2018-04-27 · resigned 2025-03-25
Resigned

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

Recent filings (36 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-31
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2025-12-05
resolution
resolution · RESOLUTIONS
2025-11-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-21
appoint-person-director-company-with-name-date
officers · AP01
2025-04-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-31
termination-director-company-with-name-termination-date
officers · TM01
2025-03-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-26
confirmation-statement-with-updates
confirmation-statement · CS01
2022-03-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-28