57 NORTH FINANCIAL PLANNING LTD
🌿Early-stageactive
14383254 · ltd · incorporated 2022-09-28
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
£113.5k
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and acceptable with review structure.
Opportunity 70/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (78/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (3 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
22 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £113,524
Net assets shrinking
Down £161,176 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
£218k
Net Worth
£114k
↓ 59% YoY
Current Assets
£269k
↓ 14% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Total assets | £124.1k | £287.0k |
| Current assets | £269.0k | £311.3k |
| Cash | £217.8k | — |
| Debtors | £51.2k | — |
| Net assets | £113.5k | £274.7k |
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
1
filing
- • 1 accounts
Last 180 days
5
filings
- • 2 officers
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2026-03-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-28📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-07📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-01-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-28➖BILLINGHAM, Philip Leonard resigneddirector
- 2024-06-26📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-12-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-12-06📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-12-06📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-15➕BERNARDI, Jake William Francis appointeddirector
- 2023-08-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-08-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-08-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-07-31📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-07-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-07-03➕BERNARDI, Jill Catherine appointeddirector
- 2023-02-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-02-07➕MURDOCH, Daniel George appointeddirector
- 2022-11-10📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2022-09-28🏢Company incorporatedAs 57 NORTH FINANCIAL PLANNING LTD
- 2022-09-28➕BILLINGHAM, Philip Leonard appointeddirector
- 2022-09-28📄incorporation-companyincorporation · NEWINC
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +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.)
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Jill Catherine Bernardi Individual · British · DOB 08/1996 · age 30 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 26/07/2023 |
1 historic (ceased) PSC
- Mr Philip Leonard Billinghamceased 26/07/2023· 75-100% shares · 75-100% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
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| 4SYTE FINANCE LIMITED→ 12701421 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 4SYTE SECURED LENDING LTD→ 16017313 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 4SYTE TM LTD→ 16171156 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 7 STEPZ LTD→ 13860858 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| A & H DENOVO LIMITED→ 08448699 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| A J R SERVICES LIMITED→ 06531081 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| A.J.GRAYBURN & COMPANY LIMITED→ 00356099 · est 1939 · no financials extracted | — | — | — | — | 86y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Incorporated2022-09-28
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
1st Floor, 11 Freeport Office Village
Century Drive
Braintree
Essex
CM77 8YG
United Kingdom
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-11-29
Last: 2025-11-15
Officers (3 active · 1 resigned)
BERNARDI, Jake William Francis→
Activedirector · ~30y · appointed 2023-11-15
View their other companies + combined net worth →
BERNARDI, Jill Catherine→
Activedirector · ~30y · appointed 2023-07-03
View their other companies + combined net worth →
MURDOCH, Daniel George→
Activedirector · ~35y · appointed 2023-02-07
View their other companies + combined net worth →
BILLINGHAM, Philip Leonard→
Resigneddirector · ~65y · appointed 2022-09-28 · resigned 2025-01-28
Click a director name to see their full track record across all companies.
Recent filings (22 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-13
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-03
change-person-director-company-with-change-date
officers · CH01
2025-11-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-28
change-person-director-company-with-change-date
officers · CH01
2025-11-07
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-16
termination-director-company-with-name-termination-date
officers · TM01
2025-01-31
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-18
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-12-13
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-12-06
appoint-person-director-company-with-name-date
officers · AP01
2023-12-06
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-08-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-08-01